davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
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. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Update of Personal Information and Deletion of Incorrect Data Dear Sir/Madam, I am writing to request an update to my personal information on my credit report and to ask that any information that no longer matches my updated details be deleted. The information currently reported may be outdated or incorrect, and I want to ensure that my credit report accurately reflects my current personal details. 

Current Information on File ( as per my credit report ) : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Updated Information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please update my credit file to reflect the correct personal information. Additionally, I request that any outdated or incorrect information that does not match the updated details be removed from my credit report. If there are any discrepancies, I expect that they will be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

If you require any additional documentation or have questions, I am happy to provide further information. Please notify me of any actions taken and provide me with a copy of my updated credit report once the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, this creditor, XXXX  account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor maXXXX not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (MD)

I was given an American Express gift card in the amount of {$2000.00} from my employer. When I tried to use the card I discovered that only a few cents remained on the card. My employer received the gift card in a sealed envelope which he then gave to me. The card never left my home. The following charges were made : XX/XX/2022 XXXX XXXX XXXX MN XXXX {$25.00} XX/XX/2022. XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX {$21.00} XX/XX/2022. XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/2022 XXXX XXXX XXXX XXXX {$74.00} American Express was able to give me the information from the card number but basically said " tough luck '' that someone used my card. How do I know that it wasn't one of their employees since my card arrived sealed and unused?
Consumer complaint received 2024-12-06
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Macy 's XXXX XXXX XXXXXXXX, for the months of XXXX, XXXX, XXXX and XX/XX/year> charged my account {$2.00} per month without my knowledge or authorization AND then reported me to the credit agencies as paying late which in turn seriously downgraded my excellent credit score from the 800s down to the low 700s. I've had excellent credit scores for a while and have NEVER paid late on an account! Because I never charged anything on this card during that time AND because I never authorized those charges I was never aware of those bogus charges until after the fact when they sent me an email. I called to delete those charges and ask for an explanation for those charges and was never given a reason for those charges and the refused to delete them.
Consumer complaint received 2024-12-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (UT)

Rausch, XXXX, XXXX, and XXXX XXXX Rausch Sturm LLP ) have attempted to fraudulently collect on a debt collection case ( XXXX ) that was previously dismissed on XX/XX/XXXX ( with a court notice dated XX/XX/XXXX sent out to all parties ) by filing for new motions for default judgements on XX/XX/XXXX. 

The creditor violated the FDCPA by improperly and deceptively attempting to collect on a dismissed case ; and their actions have been misleading, harassing, and often in violation of fair debt collection laws. This could also constitute an abuse of process. Please review these statutes. 1692e - False, Deceptive, or Misleading Representations 1692f - Unfair or Unconscionable Means to Collect a Debt 1692d - Harassment or Abuse 1692c - Communication in Connection with Debt Collection Thank you.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to capital one, 3 cards there XXXX, kohls, XXXX, these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re XXXX posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible
Consumer complaint received 2024-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

I have a Carnival Rewards mastercard with BarClays. I was looking through my statements and noticed several fraudulent transactions and reported them. I was issued a provisional credit while they investigated my claim, but soon reversed the credit because they said the transactions were valid and I benefited from them These transactions include XX/XX/year> XXXX in XXXX XXXX California for {$250.00}. 
The information provided said that the chip technology was used and can not be duplicated. I never lost that card and never gave anyone permission to use that card. I explained that I live in XXXX Michigan, and have never been to California nor did I use that card and purchase anything at XXXX XXXX. Barclays insists that I did this transaction and by insisting that I did this transaction has concluded the other transactions made in California were made by me too. These include XXXX {$5.00} transactions to XXXX XXXX XXXX XXXX on XX/XX/XXXX and one on XX/XX/XXXX. Same day the XXXX XXXX purchase was made. There was also a charge on XX/XX/XXXX to XXXX XXXX XXXX for {$32.00}. I called again and explained it's impossible for me to have used the chip technology at those places because I have never been to California and literally live XXXX XXXX miles away. Barclays refuses to make this right and has said I most definitely benefited from these purchases. I was a victim of fraud and Barclays has done nothing to help me in this situation. I requested a new card and shut off the old one when I noticed these transactions, however I refuse to activate the new card in fear that something will happen and Barclays will refuse to protect me under regulation Z. I have asked for the information as to what was purchase with my credit card, but Barclays has refused to provide that info, nor credit the fraudulent charges off my card.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (CA)

I recently reviewed my credit report and came upon the alleged inquires from ( XXXX XXXX  on XX/XX/2023 and XXXX XXXX XXXX on XX/XX/2023 ) reporting on my credit report. I declare there is an error, and you have violated my federally protected rights by reporting such false information on my consumer credit report. 

Pursuant to the Fair Credit Reporting Act Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a photo of my credit report showing the alleged account and as you can see, all three entries are different with XXXX, Equifax, and XXXX. If the reporting information is accurate, why are all three credit reporting agencies reporting different information? 

It is clear you are not reporting 100 % accurate information. With that being said, the reporting of the alleged account is fraud and is to be removed from my credit report and file immediately. The Consumer Financial Protection Bureau, Attorney General, XXXX XXXX XXXX, and Federal Trade Commission have also been notified of the matter. 

Please take care of this matter promptly.
Consumer complaint received 2022-10-02
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. (WA)

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

XXXX XX/XX/2024 Got a call from The XXXX Police Phone # saying that my identity is being misused for wrong reasons. 
Police Chief from XXXX XXXX XXXX was schedule SSA Appointment to report Identity Theft. But Documents required for Appointment was XXXX Letter from DO Treasury due the reason that My identity was used for Money Laundering. 
For the Letter I was Asked to CBP Special Agent : XXXX XXXX as investigating Officer. 
Forn them XXXX XXXX terrorized me for 4 weeks with documents sent thru FAX to me about the Identity Theft Case, basically he mentioned in order to get XXXX from DOT DHS has to close all my bank accounts and issue Identify. 
For that XXXX XXXX asked to Transfer all the Money to XXXX XXXX XXXX Escrow Account DOT Escrow Account so that I get the XXXX approval. 
As soon as all this started, I have to call him every day before I step out my home due to the ongoing investigation. But lately he was not responding to my calls and not giving any updates on the case. 
XXXX XXXX sent couple of IRS documents to sing and forwarded to DHS in the process I was forced to wire transfer {$280000.00} to a domestic wire transfer from my IRA and My daughter XXXX money.
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WI)

for the last 2 months I placed 2 orders. the first order was number # XXXX and order number XXXX. BOTH orders did not arrive. I reached out to the shipping team and their customer service. they told me they could offer me a replacement or a refund.I stated I would accept a refund in exchange because these gifts were going over sees to my brother who is currently XXXX in the XXXX XXXX in a XXXX XXXX. I never received the items and I never received the refund. Now I am at a loss of my money. I placed well over a dozen phone calls on different dates and times and wasted a lot of my time in trying to obtain a replacement package or a refund. I was told NUMEROUS times I was recieving the refund. 

on XX/XX/year> I went in person to the Macys store inside XXXX XXXX XXXX in Wisconsin and spoke with a manger. she was graciously calling them as well. we sat there in total an hour on the phone and they said they opened up a case and will help me receive the refund or the replacement. the next morning XXXX I am receiving a email saying they are not going to be doing either or. while at the mall on XXXX they showed us the door/picture of where the boxes were delivered and we explained to them that is not our door and I even showed the manager our door and my state issued ID. 

at this point this has caused me enough stress and I will not be tolerating this. I need my refund or I am going to take the next step in resolving this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-10-25
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 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. ''
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

My home was in foreclosure. I repeatedly tried to get the correct payoff from them. They never once would break down the correct amount. When the house was finally in Sheriff sale they had the right amount magically. It was XXXX less thess than they kept telling me on the phone. I was then able to just cash them out nd get the house out of foreclosure. With that being said they have promised on many occasions to report my loan as no payments late. I was late but only because they refused to work with me after Covid..
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I am displeased by this oversight and urge you to address and rectify all inaccuracies in your records promptly. I request that immediate action be taken to restore my credit profile 's integrity and accuracy without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Incorrect Current Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC (FL)

After long communications with the mortgage company we finally got to the point below on XX/XX/year> Based on the initial review, <Name> is eligible to continue in the qualification process for assuming the loan. 
The next step in the qualification process is to complete the Assumption Package and provide all required documentation. 
The Assumption Package consists of the following documents/ forms to be reviewed/completed. Please read all documents that are Information Only below, prior to filling out any forms.

Information Only : o Assumption Request Requirements o Frequently Asked Questions ( FAQs ) Forms to Complete : o Assumption  Request Form o Uniform Residential Loan Application ( if applicable ) XXXX XXXX XXXX XXXX Residential Loan Application ( if applicable ) o IRS Form W-9 o Third Party Authorization Form o Borrowers Certificate and Authorization o Patriot Act Information form with copy of accompanying identification ( ex : drivers license, passport ) All forms listed under Forms to Complete and the required supporting documentation should be returned to Shellpoint within thirty ( 30 ) days from the date of this letter via one ( 1 ) of the below modalities Electronic : XXXX Physical : Shellpoint Mortgage Servicing Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Failure to return the completed application and supporting documentation within thirty ( 30 ) days from the date of this letter will result in an automatic denial of the assumption. 
Should you have any questions or need assistance, we are glad to assist. Please contact us directly at XXXX. 
Best regards, XXXX XXXX XXXXXXXX After many more phone, conversations and months passed- they came back and said we are not eligible for assumption. That our loan was not assumable. False information was provided, but most importantly issue was not fixed and no further details are possible to obtain or porsue.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.