davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
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. (MD)

I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CA)

I am writing in relation to Experian XXXX XXXX. It 's an extension of their credit monitoring ( credit tracker ) business that connects consumers with a credit adviser. There are XXXX packages offered to consumers. The first is a free XXXX minute consultation. In the fine print of the Service Contract, however, it says the consultation is actually {$19.00}. I 've attached evidence of both, though it 's easily findable on their website as well. I think this is false and misleading advertising. I tried to register the complaint with the FTC, which deals w/Section XXXX deceptive marketing claims. But the FTC routed me to CFPB. I 'd like this to be cleared up for myself and other consumers. Those that signed up because it was advertised as FREE should not be charged. Thanks.
Consumer complaint received 2017-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

we are a franchise restaurant business group, some one broke my lock box of my truck between XX/XX/XXXX then he stole a way all of my checks and my other documents, after 2 days I was going to issue a check to my constructor for plumbing, I realized that my lock box got broken and my check book was stole, that day was XX/XX/XXXX I called chase right away, I told them I lost my check book please void all my checks, they did not ask me to close my account for security reason. after that I order a new check book from chase website, and then the guy who stole my check book start depositing my checks in different amount in XXXX times for {$44000.00}. I realized it a week latter because we have more than XXXX bank account I do n't really check my account. we called XXXX XXXX away after I realized it that was XX/XX/XXXX, three of us the XXXX OF the BUSINESE OWNER and the CFO AND the store XXXX, we told chase our account been stole money out plz freeze our account and made a claim for this happened. I thought this is done for losing money from my account! it is not! the guy deposit 5 more checks after we called and claimed!!! the total amount we lost is XXXX, I download all checks image what they deposit, I found something funny is 3 of the 24 checks I lost they did not even sign anything on the space where people spouse to sign, but chase still deposit for them without any signing, other than those 3 checks are all signed in different names! we got a call back from chase at XX/XX/XXXX they refused to pay us back for what we lost because I did not security our check at a safe place, but I told them I secured my check at the lock box of my truck but they want me to fill out a new police report because the one I gave them before I said I may forgot my check book at my truck, but what I mean is I secured the check book at the lock box of my truck, they keep using this point to fight me, my detector been calling me to ask chase call him back but chase never does! i been telling chase i am sure secured my check book at my lock box of my truck, but someone broken it in i can not protect it. we are really having troubles with founding now, we are out of cash flow, the construction of our restaurant must be stopped in 3 days because we are short of this XXXX
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

Worried about an accidental disclosure of my personal information, I placed a global freeze on mycredit reports at each of the three credit bureaus a little over two years ago with no trouble. Now, I am  hoping to purchase a home and am in the process of seeking pre-approval for a mortgage with a lender and have been unable to temporarily lift my freeze with Equifax or contact any representative of the company despite multiple online and phone call attempts. On XXXX XXXX, 2017, I successfully lifted my credit freezes at XXXX and XXXX with each in less than 3 minutes. However, on this same date, I spent over 2 hours trying to process the same temporary lift with Equifax without success. When attempting the temporary lift with Equifax online, I was told it can not be processed online and the only option is to mail in my request -- no customer service representative number was offered. I tried calling the automated Equifax line related to credit freezes, ( XXXX ) XXXX, and was given the same response : that I could mail in my request, and no offers to connect me with customer service was offered. I then searched for alternate numbers to simply try and get ahold of a human being, and tried the Business Member line, XXXX, onwhich I followed the instructions on the automated message line according to my needs as a Personal Credit holder, only to be repeatedly disconnected before speaking with anyone. Thinking that I may have success on the Business Member line entering alternate member needs to simply get a hold of someone who could transfer me, but I repeatedly came to " dead ends '' where the automated message suggested I check Equifax 's website or ended my call. I 've had no success and hope the CFPB can help resolve this by identifying a real contact at Equifax and, more importantly, ensure that Equifax and its customer support is more accessible to individuals moving forward.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (CA)

I have received a credit card online from XXXX that I can not use it on it 's website, and had no way to cancel the card. The phone number on the back of the card does not reach a credit card company, it got to a company that sells cosmetic products. XXXX. And no matter how I tried I can not reach a person in the credit card company to cancel it.
Consumer complaint received 2017-08-04
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. (TX)

I have called Transunion 3 times and spoke to representatives regarding unauthorized inquiries on my credit report. Each time, I am told called the creditors to resolve. Yesterday I called Transunion twice and both representative said called the creditor. I also asked for a supervisor both times, one rep hung up and the last rep refused telling me he could help me. He then proceeded to put me on hold and come back and state that there was nothing he could do, call the creditor. I advised him that he di not even ask which inquiries I was referring to, He stated it did n't matter because that was the policy to advise to call the creditor that pulled the credit and I told him for the fourth or fifth time that I did and the creditors are stating they have no record of ever pulling my credit. I asked him what proof did Transunion have on file that any of companies had authorization to pull my credit, he then put me on hold and he said that he checked and they had none. After, going back and fourth he stated they ( transunion ) required to have proof. And then he hung up. I am confused on what to do to resolve this. I think I may get my attorney involved, however, transunion, has incorrect information and they refuse to assist me.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.
Consumer complaint received 2017-10-25
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. (MD)

I have filed a complaint against XXXX XXXX XXXX 7 or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have 7 late payments.
Consumer complaint received 2017-08-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC (CA)

In  XXXX  2017, I contact Wilshire Consumer Credit for a car title loan. I was inform that the interest rates were low, and that my payment of  XXXX  a month would be apply to my principal balance which is  XXXX . Other fees were put on the title loan. So here is the issue. I starting paying on the loan in   XXXX   up until  XXXX , 2017 every  XXXX  of the month. and my payoff balance is still at   XXXX   dollars. Which I have paid  XXXX  and nothing has been apply to principal. The representatives have been manipulated in there practice of business. Every time I ask for the loan documents to have to read the contract I never receive it in the mail. I am a   XXXX   year old   XXXX   women who has  XXXX  and   XXXX   XXXX   problems. I have been taken by this company.
Consumer complaint received 2017-10-25
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: Experian Information Solutions Inc. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information that you are reporting inaccurately on my credit file. I am a victim of identity theft, I have been affected by the recent credit breach with my identity leaked and someone using my identity other than myself. I am unaware of the inquiries and I did not make any attempts to inquire about no new accounts. I am requesting that the items be removed immediately to correct my credit report. I didnt not receive any consent and no creditor, Credit Bureau contacted me. This is my affidavit and I am disputing these items listed below. I 'd like to request a victim 's statement asking that creditors call me before opening any new accounts. 
Enclosed are copies of my credit report supporting my position. Please investigate this matter within XXXX of receiving this letter and remove the inaccurate illegally placed on my credit file. If this matter isnt resolved I will be forced to take legal actions in a civil courthouse against your company and be forced to pay a fine and damage fee of {$1000.00}. 
Inquiries Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX have consistently ignored that you are reporting inaccurate items on my credit report. You have reported inaccurate items for quite a while now and Im taking legal actions by filing a law suit at XXXX XXXX XXXX XXXX for reporting inaccurate inquiries. I am a victim of identity theft and was affected by the recent credit breach. Its a shame that your company placed inaccurate errors on my credit file and you wont remove it. This is illegal and you will face consequences in court. I have contacted you by certified mail, fax, but you refuse to remove the inaccurate errors off my credit file.
Consumer complaint received 2017-10-25
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / XXXX / TransUnion XX/XX/2017 RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

We need to complain that the  XXXX  Credit Agencies simple reporting system from the banks, is biased against the consumer and small family.Our standing with   XXXX   was misrepresented.
This misrepresentation is intentionally built into the Credit Agency 's systems!
We, the consumer, must have an equal opportunity under our common law rights. This has been denied us.
an equal opportunity to present the ongoing dispute, the facts and actions of the parties.And an accurate and equal The Credit Agency 's ignored the facts, the actions of  XXXX  in refunding us 100 % of all 'late charges ' The facts and actions of the parties are as follows ; a ) There was only one occurrence of a late payment, about 30 months prior to XX/XX/XXXX .At that time l was in Intensive Care a. We asked  XXXX  for the regular paperwork showing our balance, so we could make a special 401k claim to catch up with the balance.
We had not been late prior to hospitalization. Despite numerous phone calls   XXXX    never supplied the norcmal paperwork in a timely manner. Later   XXXX    produced Fraudulent papers to 'clim ' they sent the papers on time.
We were n't the only family suffering from  XXXX  unfair servicing on the same issue.
b ) We never were further behind than that one occurrence ( of two late months ) during hospitalization.
But   XXXX    marked the binary system late every month, after they refused to supply the paperwork, which would have allowed us to be current.   XXXX   themselves stopped us from becoming current, then charged us late charges for about two years or more. This became a serious disagreement with  XXXX .
c ) In the few years since that first occurrence l was hospitalized about fifty percent of the time. And on  XXXX  for eighteen months. Even so, we never extended the two past due payments, past the one time only original occurrence.
d ) In  XXXX / XXXX  we reached an agreement to sell our house and informed  XXXX  we needed to agree to 100 % of the pay-off.   XXXX   agreed to take the action of refunding 100 % of all late payments.
e ) The dispute took a turn, when  XXXX  stopped making any late charges against us in  XXXX .
f ) This action meant the binary reporting method to Credit Agencies was unfair and incorrect. It is biased against families, allowing big banks and the   XXXX   major Credit Agencies to unfairly and wrongfully impose huge damages on our family.
f )   XXXX   actions speak louder than computerized binary reports.On XX/XX/XXXX    XXXX   took ACTION and returned to us 100 % of all late charges.
These binary reports ignore the actual state of affairs and the refund action.
Our direct damages today, due to the biased credit reporting is over {$100000.00} and will climb substantially after  XX/XX/XXXX .
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On  XXXX / XXXX /2017 I receive a one page letter from Wells Fargo Card Services dated  XXXX / XXXX /17 stating that my credit card has already been closed due to other bank cards and 6 months of inactivity. please destroy your card immediately as it will not work. I 've never been late, delinquent, or missed any payment of any debt in my lifetime. My account is always in good standing and has never had a high balance. Wells Fargo is my primary bank and has been since I was able to open an account. My personal accounts, IRA, vehicles and credit cards are all with Wells Fargo and have never had any problems in which risk management would become involved. I am also a former employee that left the company in good standing. I called credit card services to resolve the matter and after 4 different team members in different departments deflecting my concerns and passing me around, the supervisor left the conversation before explaining it to the next person and that 's when I officially gave up on Wells Fargo. They essentially punished me for using The credit I have earned over the years and their associated balances, yet they closed my account for the exact opposite reasons.A customer of 20 years. here is no logical explanation for this decision and none of the employees could explain anything other than what my letter stated. I explained to each associate that I have been a very loyal customer for over 15 years, maintain an excellent relationship and keep the card for emergencies. I feel that am being cheated for no reason since there is no negative history on my tiny credit card account. Of course every representative said they would be more than happy to submit my application for a new credit account that would negatively impact my credit report, but give the company another sale. This is when I became concerned and decided to report WF. They are abusing their customer 's loyalty as well as their financial states once again. I can forward the letter per request since there is personal and financial information on it.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX # XXXX I took a month by month by month mobile plan with them with my own paid up phone. I was require to put a deposit plus 1 month payment ahead. I cancelled my services after about a year to take advantage of XXXX 's incentives and XXXX XXXX XXXX is charging me {$190.00}. They have used 4 collection agencies that had reported me to the credit bureau and I tell them the situation and ask them to produce a contract that I signed showing that I owe this and non can produce one and XXXX XXXX XXXX can not produce it. The present collectoris : Diversified Consultants Inc. XXXX XXXX XXXX XXXX, FL XXXX tel # XXXX
Consumer complaint received 2017-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to dispute a charge on my credit card statement for {$3.00}. The purchase was for merchandise, not a subscription to anything. Bank of America refuses to take a dispute for 15 days from the " date of cancellation ''. There is no such date because there is no subscription. However, even where there is a subscription I know of nothing in the Fair Credit Billing Act, or any other law, which allows a credit card company to refuse to take a dispute and require a 15 day waiting period.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (IL)

This is violating FDCPA, FCRA, and Consumer protection Laws in connect with Accounts not Authorized, Verified and/or not accounts with no contractual agreements to this company. This Company is also in violation of COPYRIGHTED name and/or likeness.