davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$5900.00} XXXX Account number : XXXX Balance : {$11000.00}
Consumer complaint received 2023-02-11
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-02-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

CFPB PLEAS RETAIN COPY OF THIS COMPLAINT DISPUTE. THIS PARTICULAR DISPUTE DATED XX/XX/2023, WAS MAILED TO TRANS UNION AND WAS SIGNED AND RECEIVED ON XX/XX/2023 BY TRANS UNION EMPLOYEES. INSTEAD OF THE DISPUTE BEING INVESTIGATED THEY REPLY BY MAILED WITH A LETTER DATED XX/XX/2023 THAT THE INVESTIGATION WAS NOT UNDERTAKEN BECAUSE THEY DID'T BELIEVE IT CAME FROM ME. I ALONG WITH THAT DISPUTE I INCLUDED ALL MY VERIFICATION DOCUMENTS AND THEY REPLIED BY TO ME USING MY ADDRESS. SO THE EXCUSE POSE BY TRANS UION DOES NOT MAKE ANY SINCE AND IS A CLEAR VIOLATION OF 15 USC 1681i. SO NOW IM GOING TO RE-SUBMIT THAT SAME DISPUTE THROUGH MY PERSONAL CFPB DISPUTE PORTAL THAS HAS BEEN VERIFIED BY THIS REGULATORY AGENCY. ATTAACHE TO THE FIRST PAGE IS A AFFIDAVIT OF IDENTITY SO THER IS NOW NO QUESTION WHERE THE DISPUTE ORIGINATED FROM. THIS DISPUTE IS SPECIFICALLY FACTUALLY BASED AND TRANS UNION HAS NEVEER INVESTIGATION THIS FACTUAL INACCURACY BEFORE AND THERE IS EXHIBITS ATTACHED TO THE DISPUTE SHOWING CLEARLY ALL THE INACCURACIES BEING REPORTED BY TRANS UNION 'S BUSINESS VENDOR PER TRANS UNIONS REQUEST WITH OUT MY EXPRESS WRITTEN CONSENT OR PERMISSION. NOW THIS BUSINESS PARTNER DOCUMENTED THIER FINDINGS THAT THEY CAN NOT VERIFY THE ACCURACY. NOW TRANS UNION MY SAY IT WAS VERIFIED BY THE VENDOR BUT AS YOU WILL SEE THAT WILL BE A LIE BECAUSE THE BUSINESS VENDOR DOCUMENTED THEY WERE NOT ABLE TO VERIFY ITEM I NEED THE CFPB TO SEE THAT THIS RE INVESTIGATION FINALLY TAKES PLACE AS I WAS TOLD BY TRANS UNION PREVIOUSLY THAT WHEN I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT ALONG WITH THE DISPUTE AND I'M DOING JUST THAT
Consumer complaint received 2023-02-11
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX & XXXX XXXX  XXXX XXXX : {$230000.00}
Consumer complaint received 2023-02-11
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 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 item 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 the information is inaccurate.
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

While I was checking my credit report in the XXXX XXXX app, I noticed my credit score dropped XXXX points. I thought this was curious, so I did some digging and saw there is a debt trying to be collected by SEQUIUM ASSET SOLUTIONS dated XX/XX/2022 for {$6800.00} from XXXX XXXX. I have never ever had any affiliation with XXXX XXXX, in any capacity. This is clear fraud.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

PAYPAL ACCOUNT ID : XXXX Dispute regarding transaction : {$60.00} PAYPAL XXXX XXXX CH I had purchased a shoe rack from XXXX Details attached. 

As I bought it, I was asked to send money over via Paypal as a part of the checkout flow. Screenshot of order is attached. Since then I have discovered it's a scam website and the account is an offshore XXXX account. 

Instead of shipping the item to me, the seller shipped a XXXX item to a random address in XXXX , WA and claimed that they shipped the product. They shared a tracking number on XXXX XXXX for a date in the past : XXXX. This tracking number does deliver a random package in XXXX, WA. 

This tracking number was not sent to me. I have confirmed with XXXX that no such package has been delivered or shipped to my address. If paypal were to check they would get to know the same. 

This is a well known scam apparently : Buyer buys something via Paypal Scammer sends a random package to an address in city of buyer, usually a public address Buyer never receives anything and files chargeback via Paypal Paypal only looks at a tracking number and reject the claim INSTANTLY with no recourse. 

The XXXX weighs XXXX pounds, the XXXX package sent the next day was XXXX lbs and next day saver would have cost over a hundred dollars. 

The website itself is fraud and if Paypal had even done a second level investigation before denying my claim they would realize that this merchant 's account and all associated accounts need to be closed immediately. The website is probably redirecting money to different paypal addresses for this scam. 

Now Paypal itself is systematically letting this fraud go on since it doesnt train its agents properly. Despite sharing all this info in the claim, the agent roboticly rejected the claim without using their brain on what had happened : Case Resolution Decided in seller 's favour Adjudication reason Valid tracking info provided by the seller. 

I tried to escalate to a supervisor, however my email was met with an auto reply that they wont respond to emails and help center got no response.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (CA)

( Related to FTC XXXX on XXXX for which Target Card suddenly stopped working at store and transactions were not visible on the website. On XXXX, XXXX XXXX was filed as Target Card refused to reach out to XXXX despite having started the claim. XXXX on XXXX for Target/TD-Bank preventing automated activation ). 
On XXXX, XXXX at XXXX XXXX was used to try and activate the additional cards on the accounts. These activations failed on both website and via phone call. COMPLAINTANT prefers to get these activated without contacting customer service as COMPLAINTANT entered the numbers exactly the way they were printed on the card. COMPLAINTANT wonders if Target/TD-bank has call/email/case records of other users having the same problem. 
On XXXX, COMPLAINTANT called XXXX at XXXX XXXX to activate the card. Automated means through website and automated call have failed during the call, however, the representative was able to activate the card. At XXXX XXXX, COMPLAINTANT called again to retrieve the PIN as previous representative omitted the PIN setup procedure. Had COMPLAINTANT been able to activate the card all on his own through automated means, he would not have had to call again nor attempt to reset via the Target website. COMPLAINTANT is perplexed as to why both representatives who ( 1 ) activated the card and ( 2 ) denied having access to PIN, refused/forgot to mention any PIN reset functionality of the website during the call. COMPLAINTANT wonders why Target employees/system have to create these situation artificially in such a way, so that they can deny ( a ) having access to COMPLAINTANT 's PIN nor ( b ) trying to harass him in anyway.
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (OH)

1. ) Original creditor ( XXXX XXXX XXXX has been accepting payments ( and payments were made ) prior to debt in collection. I have repeatedly advised Capital Accounts that payments were being made to XXXX XXXX 's office and they were accepting the payments. 

2. ) I have paid {$650.00} of the original {$1300.00} 3. ) They keep calling my home after they have been instructed to cease communication. 

4. ) They are trying to charge interest, now, when the original debt is for dental procedures, which were NOT financed, and there is no signed agreement for interest with the original creditor.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. XXXX XXXX has taken more than 30 days and the dispute is still under investigation. As well as Equifax, not only has taken more than 30 days, but also didnt change anything from the previous dispute.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had unauthorized debits made when my card was stolen I made a police report and talked to capital one 360 and they gave me XXXX dollars for a pay they didn't even make the payment but debit me and they got my balance at - {$620.00} on my personal account and now they never gave the XXXX $ back to my joint account witch is for me and my wife please help me out! I just would like my money back I been loyal to capital one 360 for 2 years straight I'm very disappointed.
Consumer complaint received 2023-02-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I was misled by Wells Fargo 's advice to accept a Balloon Mortgage as my secondary mortgage back in XXXX. 

As a first-time home buyer in XXXX, Wells Fargo advised me to take a balloon  mortgage as a second  mortgage instead of PMI. I did not understand what a balloon  mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. They also said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages, or they no longer offer them and were unable to help me. I even had XXXX lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I also requested an amortization schedule in which they showed my mortgage as a conventional loan ( see attached ). Then they said that the amortization schedule was an error and they made a mistake. 

Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : 9.25 % Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} XXXX today : {$37000.00} The balloon mortgage has now reached its maturity and I am unable to pay the balance and I can not afford to refinance and pay this off. This has been very frustrating and a huge financial burden on my life. Since the Dodd Frank Act, Balloon mortgage loans should be forgiven for first-time home buyers and illegal in general. 
Please provide transcripts for the following : XXXX. In XXXX of XXXX, Wells Fargo representative said I could refinance the second mortgage into a single mortgage in a few years and that is what most people do. As a first time home buyer, I did not know better and took their advice. Wells Fargo records all phone calls, I would like to obtain the recordings and transcripts from XXXX and XXXX of XXXX. Please provide. 
XXXX. In XXXX of XXXX, the Wells Fargo representative also described the loan as a credit card. At that time, I was in the habit of paying off my credit card balances every month. I understood the loan to be a simple loan. Again, Wells Fargo records all phone calls and I would like to obtain recordings and transcripts from XXXX and XXXX of XXXX. 

I am learning more about the Dodd Frank Act and believe this issue should have been resolved back in XXXX. Can you please provide information on how the Dodd Frank Act applies to pre-existing balloon mortgages?
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX & XXXX XXXX  XXXX XXXX : {$230000.00}
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have been receiving recurring charges from TransUnion on my XXXX credit card since XX/XX/XXXX until now totaling {$510.00}. The reason why I signed up in the first place was due to wanting a {$10.00} credit freeze but did not realize that they signed me up for a monthly subscription. 

I have tried to cancel my subscription, but kept getting put on hold until I ran out of patience. I would be on hold for 30 mins to a few hours and being transferred to multiple people. They also do not have an option to cancel the subscription online. 

Trying to cancel the account causes me so much frustration and I just learned this is a tactic that they use to keep you subscribed. 

I am demanding my subscription to be cancelled and that I am refunded my recurring charges from XX/XX/XXXX or at least XX/XX/XXXX.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed In accordance with the Fair Credit Reporting act XXXX  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # ending 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 2023-02-11
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. (NY)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (CA)

The monthly mortgage payment process with Village Capital LLC is inefficient to say the least. I have paid my mortgage through my bill payer service with XXXX XXXX XXXX. 
Village Capital is purposely not processing the mortgage payments to then charge late fees. My payment in XXXX took 12 days to clear once received. They charged me a late fee of {$72.00}. My XXXX payment was mailed on the last day of XXXX and as of this writing, XXXX XXXX, according to the online site, have not received the payment. Trying to contact Village Capital ' customer support is impossible the last three weeks with approximately 4 hours on the waiting line and no return call made by Village Capital LLC about my payment issue. 
Village Capital & Investment, LLC XXXX XXXX XXXX XXXX, TX XXXX Customer Support XXXX XXXX
Consumer complaint received 2023-02-11
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # ending 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 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I have a business account with Chase Bank for 17 years. I found 3 unauthorized check transition on XX/XX/2020, and reported to the bank right away, it took me 4 hours and speak with an outsource customer service in XXXX, it's really hard to understand what they said. The very second day those 3 checks were refund by Chase but another 9 checks flood in over night and took out all the money in my account. I reported it right away, it took another 4 hours. That was XX/XX/2020, They did not refund my money until today XX/XX/2020. Now is a very difficult time with COVID 19, and I have nothing in my account to keep my business running. What should I do? How long should I wait, it's not my fault but it's my money more than XXXX dollars. Can you help me.