davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (PA)

I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the handling of my request to block information in my personal credit report due to identity theft. My interactions with TransUnion have led me to believe that my rights under the Fair Credit Reporting Act ( FCRA ) have not been adequately respected. I made a request to block specific information on my credit report due to identity theft, citing the relevant case of XXXXXXXX XXXX  XXXX as grounds to contest the accuracy and validity of the alleged debt. I have not been supplied with proof of this alleged debt, nor therefore any such debt, in face exists, However, TransUnion has declined my request based on assumptions of error or misrepresentation without appropriately investigating the matter. As per the doctrine of estoppel by silence, my failure to provide explicit proof does not imply acceptance or acknowledgment of any alleged debt. Despite my efforts to assert my rights and highlight the potential consequences of identity theft on my financial well-being, my concerns have not been addressed appropriately. Under the provisions of FCRA XXXX XXXX XXXX ) ( XXXX ), I am hereby requesting a detailed description of the procedure employed by your agency when providing all information to the creditor in connection with the aforementioned dispute. Specifically, pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is imperative that your agency forwarded all relevant information I provided during the dispute process to the creditor for their thorough investigation. Duty to Investigate : As evident from XXXX v. XXXX, the court emphasized that credit reporting agencies have a duty to thoroughly investigate when consumers dispute items on their credit reports. 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 I assert that I have NEVER provided any consumer reporting agency with WRITTEN INSTRUCTION to report these specific accounts on my consumer report. This unauthorized inclusion violates my rights as a federally protected consumer. NO CONSENT WAS GRANTED, and the unauthorized reporting of these accounts amounts to identity theft. This duty is essential in ensuring the accuracy and integrity of credit reports and protecting consumers from the harmful consequences of identity theft.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I called my bank twice about some fraudulent activity I noticed on my account and got a letter back from them stating that they couldnt help me, the days I got the letters were on XX/XX/21 and XX/XX/21. The total amount that has been stolen from me is {$10000.00}. Ive even called Wellsfargo multiple times to see why they couldnt help me get my money back and they say we found it was made by you or someone who had your permission Ive learned through research that response is not a valid excuse as to why I cant receive help or receive my funds back. Wellsfargo wont even tell me how they came to that conclusion. After some research on if I was the only one to be going through this Ive found out that Wellsfargo has done this exact same thing of not helping people get money back theyve lost due to fraudulent activity to countless other people, Ive learned the bank does this so that they can keep the funds for themselves which is not right. I deserve to have the money back that was stolen from me.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am disputing multiple inaccuracies on my Equifax credit report, including incorrect late payments on several Department of Education accounts. I have noted discrepancies in the reporting of late payments compared to my XXXX report. I request that Equifax reinvestigate these inaccuracies. 

DEPT OF ED : Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
XXXX XXXX, XXXX : Account XXXX XXXX : Incorrectly listed as at least 120 days late, balance is {$0.00}. 
XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX Account from XXXX XXXX : Account # XXXX : Dispute validity of this debt. 
Unauthorized Inquiries : XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX  inquiries on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX. 
XXXX XXXX inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NM)

I signed as a cobuyer on a car loan XXXX. The dealership allowed the buyer to take possession of the car prior to receiving the documents required for the loan. The buyer avoided the dealerships calls for many weeks prior to the car salesman letting me know that they hadn't received the required proof of college documentation from the buyer. I let the buyer know, and he admitted to me that he had lied to get financing and would just continue to avoid their calls until they quit calling. I informed him that they wanted him to return to the dealership with the car immediately. A few days later I received a phone call from the buyer. He was at the dealership and they had surrounded the car and wouldn't let him leave. He put the car salesman on the phone and the car salesman told me that dince he wasn't a student he wasn't qualified for the special college loan and that I would have to make his down payment. I declined participating in the new loan and I declined to make the down payment. I let the car salesman know that I wouldn't have qualified for the new loan anyway because I was informed that the business I was contracted through was closing and I didn't have income for the new loan. It wasn't until years later that I discovered that the dealership pushed the loan through anyway. They allowed him to go in months later and pay the down payment. I have made many attempts to remedy this with Ford Credit and with the dealership. The dealership admits to pushing the loan through and changing the down payment and loan program but still insists that since they got away with it for so long there's nothing I can do to them. They buyer was committing fraud and I wanted no part of it. I informed the dealership as soon as I found out and they should have stopped it there. But instead they made money by making the deal go through. Now the buyer has defaulted on the loan and I am attached to it even though I declined to participate in it. Talking to the president of the dealership today I learned that he isn't interested in the truth. He even attempted to scare me by saying that I'm liable for the buyer 's fraud. He even thanked me as of it were a compliment when I told him that I was shocked by his unethical leadership and that I now understand his ethics caused what happened. I'm concerned for other consumers. It's alarming that the person in charge doesn't care about following the laws.
Consumer complaint received 2021-11-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DC)

During an investigation Equifax has reopened several closed accounts in an attempt to fraudulently collect on an alleged debt due to the result of identity theft. 
These accounts are not mine and needs to be REMOVED immediately pursuant to 15 USC 1692 ( g ) and the FCRA 605 ( B ) which states that upon a credit reporting agency being notified of identity theft they are to immediately stop reporting the issue while under investigation. 
I have sent notices and Affidavits giving proof and evidence to my claim, this action by Equifax has damaged my reputation and credibility with banking institutions due to their reporting.
Consumer complaint received 2023-07-28
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. (VA)

I am filing this compliant because XXXX XXXX reported late payments on my credit report regarding my mortgage. I experienced a hard ship during the Covid-19 Pandemic as was receiving home owners assistance from the government for over a year. Prior, my payments made by the government were not reported late on my credit report because they were always made before the 30 day period. However, in XX/XX/2023, XXXXXXXX XXXX informed me that they were behind processing the government funding with several accounts because the funds are send in one lump sum not to each home owners accounts. I have proof from the government along with my award letters and case manager that my payments were made before the 30 day mark however, XXXX XXXX  did not process the fund in a timely manner. My payments are showing late for XXXX, XXXX, XXXX and XXXX. I sent a dispute to XXXX XXXX as well as Experian tracking number XXXX and they failed to investigate my case. Instead they updated my XXXX account which was already closed. XXXX XXXX brought my account from XXXX.
Consumer complaint received 2020-04-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (CA)

I enrolled in school 7 years ago under a military program where the military was paying for my school and student loans. I had an issue in my private life and the school said I would no longer qualify for licensing in that field once I graduated and dismissed me from the class even though I was eager to participate. I was denied the opportunity to complete the class. I found out later this information was incorrect. The school completely misinformed me and stopped me from completing the class. In addition to these issues US Dept of education is duplicating the accounts several times on my credit report and all are inaccurate. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ) says this is against the law. Several times I attempted to discuss this with them, submit paperwork to them ( only for them to claim they never got it ). 
They are willfully, erroneously, and intentionally damaging my credit and my ability to obtain decent housing. This is a violation of FCRA as demonstrated by US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. They continue to refuse to correct this which is a violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Consumer complaint received 2020-04-13
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. (TX)

Chase has to be violating a law or two and I am bored by these complaints I am having to spend my time on. 
Issue : Letter received from Chase, dated XX/XX/20 - inaccurate and unauthorized. I did not ask them ( Overdraft Collections dept ) to review this account since it is paid in full, closed and the amount cited is incorrect/not owed. 
Please see attached pdf of my contact log with Chase, I only speak with the Executive Office ( XXXX on this particular day ) now since they are supposed to be able to resolve issues at a higher level, as proof that I did not ask assistance from overdraft collection dept ... last conversation I had with them was, per my log was : XX/XX/20 Called spoke XXXX They still can not locate the status on this $ 200they claim they are still researching it, XXXX. Asked to speak with a supervisor ( she was unavailable, but I insisted ) XXXX, XXXX. Was on the phone with them for 55 mins to find out no further work on their part has been done to rectify and they hung up on me. 
Filed FTC complaint and CFPB ( Consumer Financial Protection Bureau ) complaint ID - XXXX. 

Debt not owed - paid in full. This account is settled and paid as agreed by me in cash at my local branch, please see attached pdf " XXXX account issues '' for that proof. It was paid XX/XX/20, see receipt. 

I have had several conversations with the Executive Office to resolve the issues and be reimbursed/correct for the errors Chase has caused, however, I am still lacking resolution to my original complaint. Of my four complaints ... only one, for {$27.00}, was credited appropriately. 

I am unsure who is continuing this garbage and honestly I do not care, but they need to be stopped and reimburse me what is mine.
Consumer complaint received 2021-09-08
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: JPMORGAN CHASE & CO. (NY)

Good Morning, Please find attached the following documents supporting that we did not use United Visa Card for the expenses of {$790.00} USD at XXXX XXXX on XX/XX/XXXX and of {$1500.00} at XXXX XXXX on XX/XX/XXXX : 1. Travel Confirmation reflecting I was in XXXX at the time the card was used 2. Confirmation my brother used XXXX  in XXXX  on XX/XX/XXXX XXXX. My brother Bank Statement ( Marriott Chase Visa ) reflecting charges in XXXX  on XX/XX/XXXX and XXXX Given Chase your fraud policy ( XXXX XXXX XXXX ) and our history as clients, we are extremely surprised of how you've handled the situation. The fact that I was not in the United States at that time and that my Brother who is also a Chase CardHolder used one of your cards in XXXX XXXX on those same dates clearly reflects that we are not responsible for those charges. I also called Chase immediately as I received a notification to inform you that those charges were not ours and to this date I haven't received a response after calling several times. I've also just noticed that I'm being charged a Minimum Payment due on the credit card. 

Thank you in advance for your help.
Consumer complaint received 2021-07-15
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: AFNI INC. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

I had a charge of XXXX taken out my account via " XXXX  XXXX  '' I filed a complaint with chime, they ask me to call tmobile on 3 way, tmobile has no record of any transactions with my card, the results came back and I was declined because there " investigation " showed that I made a payment to tmobile for XXXX $ in XXXX, this was an inadequate investigation pulling up my transactions history don't Mean this charge was authorized, further more I didn't make any payments to tmobile in XXXX. I opened a second claim stating that, and it was declined again. Hence tmobile has no record of any transactions at all.
Consumer complaint received 2020-11-28
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: CUSTOMERS BANCORP, INC (CA)

I authorized a {$100.00} charge on a recorded line to XXXX  XXXX  XXXX  ( XXXX ) XXXX XXXX not only did they charge me {$150.00} as opposed to what I agreed to but refused to provide a refund when they were not capable of providing a service in the time that I needed and that originally said that they could fulfill resulting in me going with another company. I contacted customers bank for my XXXX  XXXX account that was charged. They have not gotten back to me regarding my dispute and I can't speak with a supervisor as my calls seem to always end up disconnected. I would like to be refunded my {$150.00} from XXXX  XXXX  XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX has violated several federal laws, including XXXX XXXX XXXX, I have never received an explanation of how to Opt out of the reporting any of my personal information. I am giving notice that I have not consented to the reporting of my personal information which is a violation of consumer law. 

I am led to believe that XXXX XXXX is also selling my information to third parties without my consent. XXXX XXXX shall delete and cease to report all information in regards to me or I will be forced to take legal action against them to remedy this issue.
Consumer complaint received 2020-04-13
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: EQUIFAX, INC. (AL)

I have an active 7 year Consumer Statement to contact me before extending or allowing access to my credit report on each reporting agency of XXXX, Equifax and XXXX and to contact me at XXXX or XXXX before extending Credit or access to my Credit Report. 
I have had Identity Theft twice on my and my wife 's Credit. 
It has been in place XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In spite of these Consumer Statements all three agencies have Hard Inquiries on my Credit Reports. I have not being accessing credit as I already have a Mortgage and have only 2 items I have 3 legitimate Hard Inquiries. 

I was unaware until recently and need these Hard Inquiries removed : XXXX has 14 Hard Inquiries with only one being legitimate. Equifax has 18 Hard Inquiries with only 2 being legitimate. XXXX  has 16 Hard Inquiries with only 2 legitimate Hard Inquiries. Credit Reporting agencies are ignoring the 7 year Fraud Alert.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-10-30
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. (NJ)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


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
Consumer complaint received 2023-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I summitted a dispute for negative items on my credit report profile. They sent me a letter stating that they could not verifiy me. However I submitted proper documents to verify my identity. I contacted Trans Union and asked them to process the dispute and I answered all inquiries about my profile they requested to have me verifiy. My Dispute currently is not processed. I would like for the negative Items to be deleted.
Consumer complaint received 2021-09-08
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. (MD)

I submitted a dispute and an FTC report for fraudulent accounts on all 3 credit bureaus. 

XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} Equifax - XXXX {$1100.00} XXXX XXXX {$1000.00}
Consumer complaint received 2023-07-31
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.