davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive been disputing a XXXX  XXXX XXXX account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.
Consumer complaint received 2020-05-04
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. (NV)

When I call Equifax XXXX and XXXX They notice that I have a SECURITY FREEZE on my file as of XX/XX/ 2018. 

There is a PIN number provided when you open a security freeze that has to be given in order to lift the security freeze. 

Equifax XXXX and XXXX Isn't asking for my PIN number anymore. Stating they don't have too. 
Allowing access to everyone! 

Please note : I had a friend call while in front of me and my PERSONAL INFORMATION was given to that person!
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST PORTFOLIO SERVICING INC (TX)

I signed up with XXXX for 4 online classes in XX/XX/XXXX. XXXX set me up with 2 loans through First associates in XXXX XXXX for XXXX. I took and completed the first course, which cost XXXX. I then was diagnosed with XXXX XX/XX/XXXX. I called XXXX, told them of my diagnosis and how it changed my plans. I asked for a refund for the 3 courses I never started. They refused. I contacted First Assoc. and told them I would pay them for the 1 course I had completed. I was told they had disbursed both loans to XXXX in XX/XX/XXXX and had to repay them whether or not I had started the courses. I then questioned XXXX why I couldn't get a refund on the 3 courses. they said I had 10 days after I started the first course to ask for a refund, even though the 2nd, 3rd, and 4th courses wouldn't begin for months. The first course lasted 8 months, the next 3 only last 4-6 weeks each. I feel this was extremely deceptive! I questioned why they disbursed the 2nd loan  before I completed the first 2 courses on the first loan. The simple fact is XXXX recieved the XXXX and after 10 days I could not cancel. 
In XXXX I disputed the First Assoc. account on my credit report. It was removed because the amount was incorrect. 2 months later it showed up again on my credit report again, but with a different name. Vervent Inc. Which is First Assoc. of XXXX XXXX. Same address, same phone #, same company, same account I had removed in XXXX. This account has been on my credit for 7 years 3 month.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I have had {$59000.00} stolen from my accounts. The thieves transferred $ XXXX from my equity line and then used payroll services to pay themselves two bonus payouts from my business checking account. I notified Wells Fargo of the fraud on the equity line account and they closed my small business checking account and opened a new one. At that time the transfer from my equity line had not yet posted. They did NOT stop that transfer. They put the equity line money in the new account and that allowed the thieves to continue their crime and take the money. If they had stopped the transaction as I notified them or blocked the account from unusual transactions the thieves would not have had the money to take or posted successful transactions. The bank claims my notification was too late and that an ACH transaction ( the payroll transactions that were posted ) only have 24 hours to be recalled. My position is that is on them. The crimes happened on XX/XX/XXXX and XX/XX/XXXX. My notification of the fraud on the equity line was on XX/XX/XXXX. The notification of the ACH draws was on XX/XX/XXXX ( after the holiday weekend ) Additionally, when they closed my original bank account, they did not review posted or pending transactions with me. The payroll fraud ( 1st fraudulent payroll ) had already occurred on the XXXX and we could have identified the plan of attack if that transaction had been identified earlier. Wells Fargo fraud and claims departments have only sent unhelpful letters that simply say the claim is denied. My local bankers are trying to help, but they don't seem to have any better support or interaction then I do.

Please be advised that the FDIC may contact your financial institution or company to obtain additional information needed to respond to your inquiry or concern.
Consumer complaint received 2021-05-29
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2021-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: QC HOLDINGS INC (ID)

On XX/XX/21 I went into Lendnation in XXXX to pay off a {$350.00} loan I had just made on XX/XX/21. I was told I could loan again, but I wanted to keep my payments around $ XXXX {$200.00}. I asked about what the terms of the loan would be, the employee seemed surprised to being asked such a question but rattled off a bunch of figures ... if you loan this much for this long your payments will be .... it was a lot of info not easily digestible so I asked if she could show me what she was talking about. She couldn't twist the monitor so I could see, didn't try, didn't print anything at all. 
It was the very end of the day,, they were closing ... So, I picked one of the options ( I think ). 
I know she funded {$650.00} to my debit card. I know my due date is the XXXX. 
I did not receive any documents to take home at all. I signed three papers, one of which said APR and the finance charge and total payments after all paid according to schedule. 
I commented on the number I briefly saw, and went to point to it but the employee quickly interrupted me and turned the page where she indicated for me to sign. ( Since I had just paid off my previous loan at pretty reasonable rates [ it seemed, retrospect shows it was because I paid it off a few weeks after getting it ] ) Afterwards, I looked at the paperwork from the previous loan, as I remember insisting they print that one for me. The previous loan was for {$350.00}. I was in shock to see the finance charge on {$350.00} for 11 months was {$820.00}! If I had gone to full term I would have paid {$1100.00}!

This seems as they say, UNCONSCIONABLE. 

When XXXX came around,, I did not have time to call Lendnation before closing to see what my payment due that day was supposed to be. - no paperwork.. 
So I decided to put debit card controls on my bank card that day with plans to call or go in the next morning. 
When I woke up the am of the XXXX, my bank had alerted me to the fact the night before there was 2 denied attempts of withdrawal, which I expected, but in addition they had just got around my debit card control options ( which was to block any charge over {$100.00} ) by making 4 consecutive and equal charges of $ XXXX. 
This was at XXXX. I was mad. 

THE ATTACHED IS THE PREVIOUS LOAN
Consumer complaint received 2020-05-04
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. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$690.00} XXXX XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2021-12-10
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: BARCLAYS BANK DELAWARE (IL)

The issue is with Barclays US credit card. 
Despite repeated requests ( 2 ) Barclays US bank refuses to provide me with a credit card paper statement. It only sent me an electronic reminder listing the minimum payment due ( {$29.00} ) however it refused to provide a statement listing all purchases. On XX/XX/XXXX and XXXX I called the company numerous times and the calls were not answered. 
Subsequently I got excuses such as the Barclays US card experiencing problem with the XXXX XXXX or another excuse provided to the credit card partner supervisor ( Wyndham ) stating that the company is undergoing " system updates '' etc. 
The bottom line is Barclays US is unwilling/incapable to provide a basic customer service and depending who asks them the answer is different depending who picks up their phone. It is apparent that their overseas call center employees ( most likely provided by the third party vendor ) are not properly trained to handle calls or in my case are not even responding to calls. The question to the US regulator I have is this : Why is the Barclays Bank US allowed to operate in the US market when it can not meet a basic requirement such as customer service or even send out a credit card statement? Also why the Barclays Banks sends out electronic reminders to pay a minimum fee instead sending the total amount due? It appears that the bank deliberately drives the consumers to pay their minimum fees so the bank can charge high interest rates on the amount owed. I paid my estimated bill as I am unable to find out how much I actually owe on this card at this time due to the large volume of transactions.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

RE : Fingerprint Requirement to cash checks - Possible Security RISKS to personal technology and privacy - MUFG Union Bank  Office of the President and XXXX XXXX XXXX CFPB, MUFG Union Bank, XXXX XXXX and XXXX XXXX : This complaint was filed due to not receiving any response about my check cashing experience at your bank located in California. I am a current safety box ( Signature Card Holder ) at branch that cashed check. Please ask XXXX that she can verify my signature on file and she knows me as I am a former employee. Is this the way you treat ALL former employees of the bank? 

On XX/XX/2019, I went to the local branch of Union Bank or MUFG Union Bank and wanted to cash a check written to me from my mom ( Check Number XXXX in the amount of {$760.00} was drawn on Union Bank ). I went to the teller window and was asked for 2 pieces of Identification. I had that and provided it. Next, they asked me for ID to cash my mom 's check. I was shocked at the request and had the employee ask XXXX ( Customer Service Manager ) if I still had to give the fingerprint even if she can vouch for me as a her former employee. According to her, I was required to provide the fingerprint. It hurt me that they did not trust me cashing my own mother 's check. 

Trust is very important and I did nothing wrong for them to treat me less than equal to other former employees. Also, due to the new smartphone technologies, fingerprints are now more a security or privacy risk and can be a possible violation of 4th amendment rights. The use of fingerprints as unlock feature can pose as this risk and the bank should protect consumers, as well as, find new ways to secure assets. No one believes me. 

I previous complaint was filed with the CFPB and hope this can be resolved correctly. Can you please ask XXXX XXXX why I am unable to bank with my family at Union Bank or MUFG Union Bank and to avoid these type of check cashing issues in the future? 

Respectfully submitted for review.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have spoken to this company several times during my hardships because of Covid. They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.
Consumer complaint received 2020-07-30
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (PA)

purchase mattress at Raymour & Flanagan, XXXX PA store - XX/XX/19 salesman convinced me I should charge on y R & F credit acct and I could pay 30 days after receipt of bill from them. I moved  and changed my address -mattress was delivered to my new address. New house-lots of purchases, so did not notice that I had not received a bill until I got one in XXXX. This bill was from TD Bank and had late charges. I called them. They said they had sent 3 bills to my previous address and the third one was returned to them. They then contacted R & F and got my new address. They said they would take away charges and I drove to R & F and told story ( I never opened a credit card with TD bank ) I paid for the mattress on that day XXXX/XXXX/19 to R & F. TD bank continues to bill me with more late charges and said they dd not receive that payment until XX/XX/XXXX. 
I have pages of correspondence to TD bank as well as XXXX XXXX XXXX ( who refused to do anything ) TD Bank has now turned the sum of {$200.00} to collection agency and notified the credit bureau. I am XXXX yrs old and have perfect credit - always pay in30 days. I believe R & F is at fault as the never gave my new address t TDd Bank and I am not sure why It was T bank that is billing me as I used a R & F credit card. TDd bank even sent me a credit card which I did not request. R & F told me TD handles their financiia accounts but I was not aware of this if I pad R & F 30 days from bill. 
I do not plan to pay these fees. Thank you for your help an concern. I have lost a lot of sleep over this.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2021-11-30
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (NV)

i was out of the country, due to XXXX XXXX XXXX XXXX XXXX XXXX before i could return, i tried making the payment thru the system online, since i was out the country it didn't let me access my account, i was trying to call as well with no response from the company, as soon as i landed i paid the payment back in XXXX 2021. they have placed a late payment on my credit over this. i was never aware.
Consumer complaint received 2020-05-04
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. (CO)

I tried to co-sign for my grandson to buy a car today XX/XX/2020 and I was unable to do so because I was told that there is an account from XXXX XXXX XXXX reflecting badly on my credit report. This account does not belong to me nor did I allow anyone to open this account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I have no idea who could have opened this account in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-10-16
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. (WI)

My credit report says there's 19 hard inquiries that i did not do 17 NOF THEM I ONLY APPLIED FOR 2 XXXX XXXX XXXX XXXX I contacted them XX/XX/XXXXTRANS UNION & THE CREDITERS asking to send me a letter to confirm i never order service they said they will i never got them its still on my credit i'm trying to fix my credit i contacted XX/XX/XXXX XX/XX/XXXX & transunion only XX/XX/XXXX removed them theres a pay day loan i never got tried reaching out to them it wasn't successful please help me i paid services to help repair my credit cause i didnt know how to do it myself XXXX XX/XX/XXXX just got over i paid them for 2 years score worst then they removed items only there back on there
Consumer complaint received 2021-05-29
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-16
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. (FL)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

n accordance with the Fair Credit Reporting act Transworld system 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. 

Transworld system inc at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$3300.00} the collection has been reported as Paid balance. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-10-16
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. (FL)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I had been receiving emails from this company stating that they now had ownership of a debt that I owed. I was not sent any information about disputing the validity of the said debt so I sent a reply to the email that had been emailing me and asked for proof by Usps mail of the said debt and any information that had been turned over to the company on XX/XX/2022. I never received a response with the information I asked for ; now here we are XX/XX/2022 I receive an alert from my credit reporting account that a collection account had been placed on my consumer report! I had already disputed the account with the original creditor because we had entered into a settlement and because of a mishap on their end they ended up removing the information from all consumer reports