davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The account was set on auto pay for as l have had this card ( over 3 years ). There was a XXXX balance on the card but there was an annual service fee that was charged. The auto pay did not go through as it should have which resulted in a 30 day late.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a business called XXXX XXXX XXXX XXXX XXXX with a business partner. In XXXX of 2020, my business partner made a deal with the XXXX XXXXo pay a reduced amount for the credit card since we closed the shop due to COVID. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when XXXX and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in XXXX day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.
Consumer complaint received 2022-01-10
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I submitted a complaint to chexsystems through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that chexsystems should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in chexsystems or any other credit report file, randomly for no cause. Chexsystems deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. Chexsystems has had XXXX  years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Consumer complaint received 2022-01-10
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: Early Warning Services, LLC (GA)

I submitted a complaint to XXXX through CFPB and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Consumer complaint received 2022-01-10
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. (GA)

I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. After reviewing my consumer report, I noticed that there were a couple of hard inquiries on my report which I did not authorize. On XXXX XXXX, TransUnion posted a hard inquiry from XXXX XXXX XXXX to my consumer report and a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. Pursuant to 15 U.S.C. 1602p, my credit was misused. I never gave written instruction to TransUnion to furnish a hard inquiry to my consumer report ( 15 USC 1681b ( 2 ) ), therefore, for these hard inquiries to be reported, it is identity theft and have to be deleted. TransUnion also allowed XXXX and XXXX XXXXXXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by TransUnion ( before furnishing the information ), these hard inquiries should have never been reflected on my consumer report pursuant to 15 USC 1681a ( 2 ( b ) ), which states a hard inquiry should be excluded from a consumer report. In response to the review of my consumer report, I have sent TransUnion a remedy letter, a notarized affidavit of truth, an invoice and a supporting document which they received on XXXX XXXX, XXXX. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I have had the same bank account for 30 years, the last 12 of which it was " owned '' by Wells Fargo. I received an automated notification from my bank app on XX/XX/21 that my password was changed. My husband and I called Wells Fargo immediately and found out that {$5100.00} in payments were pending to three big credit card companies that we do not have any accounts with. We spent 4.5 hours on the phone initiating a fraud claim, closing our checking account, opening a new one, and providing the bank with any information they requested including ( as soon as we received it from WF ) a legal, signed affidavit. I also filed a police report. 

2 weeks later Wells Fargo sent us a letter informing us that they were DENYING our fraud claim and not refunding our money. Instead of canceling the fraudulent payments that were still " pending '' when we had immediately reported them, they simply chose to accuse this 30-year customer of lying and committing a financial crime. 

Upon receiving the denial letter, my only option was to request a copy of the documents they used in making their decision, which I did immediately. I was told it would take 5-7 days. When that was up, I called again yesterday and was now told it would take 30 days. We are working with our local police detective to continue to investigate and fight this, but can not proceed until we receive those documents. It's now taken over our lives for 4 weeks and counting, let alone we're quite poorer than we were a month ago. 

I have so many more details but won't get into them here. I have many documents I can provide but am only attaching a few here, can provide more if requested. This is NOT acceptable behavior. How can a bank can refuse to refund a customer who did EVERYTHING we were supposed to do, especially when it appears it was THEIR clerical error in not stopping the pending payments when they were initially reported??
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX XXXX and may have gotten into the wrong hands.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good afternoon, my name is XXXX XXXX Im writing u to get information on what is going on and why Im not able to open an account. And the accounts I have tried to open are either not able to be open and they arent telling me why or they are being closed and want tell me why either.. I have been a victim of identity theft and I have disclosed that to them as well. But still Im in the situation where Im still not able to open an account.. I received a letter from Bank of America telling me that if I wanted to open up a new account I cant step into a branch and do so upon visiting the branch Im Told that Im not able to open a an account and Im still not sure why not.. my account was closed with chase, Bank of America XXXX and XXXX XXXX and its not fair that Im having to go through this when I have not done anything wrong. I even tried to go in to the branches with my business information that I was given to open up a bank account and still Im not able to.. which results in me not being able to receive any business funding because of me not having a business bank account.. so Im here today to seek and find out whats going on.. and to see if theres anything that can be done to help me get a bank account open..
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC (GA)

I applied on-line from a mailed pre-approval letter that highlighted no sign-up fees. After I received the card I called to activate it and there was already a balance of {$170.00}. I called customer service and stated I won't activate the card. They said they will close the card per my request and that " I will not be responsible for the balance. '' I week later I received the attached letter from the credit card company showing the {$170.00} balance stating that " if your account has a balance, you will continue to receive monthly statements. '' I called the number listed in the letter and spoke with " XXXX ''. After I told her about my conversation with another woman a week prior, " XXXX '' stated that that letter was already sent prior to my initial conversation. ( My initial conversation was on XX/XX/2021, which is the date of the attached letter. ) I requested a confirmation letter or email specifying that I am not responsible for the balance as promised from both conversations, but " XXXX '' said that if there is a balance it will be indicated in the next statement. So basically, " XXXX '' performed the typical creditor trickery of saying one thing and doing something completely different ; why would I receive another statement if I never activated the card, the account is closed and I am not responsible for the balance? For the record, I cut the card on XX/XX/2021.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-10-27
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2021-10-27
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. ()

Im not sure what happened with the first complaint because I never received any updates and when I called with the ID complaint number, my case wasnt found. With that being said, I would like to put in another complaint on Experian and XXXX. They arent complying with my dispute request. I sent them a letter on XX/XX/21. Then, I turned around and sent them a second letter XX/XX/21, because they never responded to my first letter. I sent them a 30day demand and comply and they still havent responded with any signed documents on my behalf. Can you guys please follow up with this for me? 
Thanks!
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

15 US 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that consumer Identifies as information resulted from an alleged Identity theft, nor later than four business days after the date of receipt. These accounts should not be furnished on consumer report as they are in violation. Under 15 US code 1681b Permissible purposes of consumer reports. any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency consent to furnish anything on my reports. There for this is identity theft. I ask that these items be deleted immediately.
Consumer complaint received 2021-11-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

We sent our XXXX payment thru the bank on XX/XX/XXXX. I started getting texts from Village Capital on XXXX XXXX, saying they hadn't received my payment. They told me to call back on the XXXX, because it was in the mail. I back on the XXXX and they said they hadn't received the payment yet.I put a stop payment in that day. When the money was put back in my account on the XXXX, I called the mortgage company to make the payment. They said it was paid on the XXXX. I called the bank and they told me Village Capital had received the payment on the XXXX but hadn't cashed it until the XXXX. I then payed over the phone. Because they didn't cash the check in a timely manner, I was charge a fee to stop the check, a late fee and a charge to make a payment over the phone.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, a fraudulent charge appeared on my bill. The description on the statement was listed as " XXXXXXXX XXXX for the amount of {$120.00}. 

When I received the statement, Chase bank was notified of the fraudulent charge and it was removed from the bill. 

However, the following statement period, the charge was added again to the bill. 

After many communications with Chase bank, they have not removed this fraudulent charge from the account. The last communication was in XXXX and the representative said they will review the charges again and send a letter with their decision. They have failed to follow up on this and did not send a letter. 

To detail the fraudulent charge, I was on vacation in XXXX and made several purchases in purchase amounts all less than {$43.00}. So I am sure I did not make this purchase of almost {$130.00}. I do not recognize the merchant indicated as " XXXX '' either, and did not visit a bar while shopping in XXXX. 

This charge is fraudulent and I would like it removed from the bill.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

On XX/XX/XXXX, I traded my car in with XXXX XXXX of XXXX XXXX. Prior to that I obtained the payoff and the company policy for selling leased car to another dealership. XXXX submitted payment to Mercedes Benz on XX/XX/XXXX for the full amount to payoff the car that included the last two payment left on the lease. Mercedes cashed the check on XX/XX/XXXX. Meanwhile, they continued to show my account as delinquent. When I contacted them, they told me that they had an update on their computer system and my payment will show as soon as that's completed. A week after, I started receiving calls from Mercedes about being delinquent and letters threatening repossession. I called again and asked to talk to a supervisor. He was rude and tried intimidating me, instead of listening to me asking him to look into it, because there is a cashed check for the full amount. I called XXXX and asked for their help. They contacted Mercedes and were assured that my account was credited for the full amount. I was still getting calls from Mercedes about delinquency. Finally, XXXX was able to straighten the matter out, but Mercedes refuses to delete the delinquency from my credit report with XXXX, even after I provided copy of the cashed check.