davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is very frustrating. I do not not know who to talk to. I received a new card and attempted to pay it before it was 30 days late. I received the card back in the summer of XXXX. My first payment was due on XX/XX/2023. I did not allow the day to end on XX/XX/2023 to make both payments of XX/XX/XXXX and XX/XX/XXXX at once. I gave the representative I had spoken to my ACH account information and the payment should have gone through. I waited a week or two for the payment to deduct itself from my account. It never did because it was one number off inputted by the representative I gave my account ACH information to. I should not be having a 30 day late payment for a mistake made by the representative.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Identity was stolen and I was informed to file a police report and provide it along with my documentation for dispute with the credit bureaus. It resulted in unauthorized inquiries in my name and fraudulent credit cards in my name as well. 

This police report was requested by the companies and the credit bureaus as a part of the dispute/investigation process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (CA)

I dont understand when the report come back verified when my identity was stolen by the time the accounts were open. This is not fair & not right for me to punish for something I never done & making my credit suffer because of it 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Achieve, XXXX XXXX XXXX  XXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC. (MO)

Had anemployment scam hit me. The " company '' I was working for were supposed to be attorneys and would service various industries but mainly CPA firm. When this company paid me initially, it was via a check which was returned to the maker. Nothing was given to me, just that it was gone. Since the scammer had my banking info ( set up direct deposit via their time card app ), they informed me that I would have a wire sent to me. The next day I had two transfers from inside the bank. The scammers told me to take {$3000.00} of the money to purchase XXXX  for a client and the rest was to pay my wages. After doing as instructed, the transfers were returned leaving me {$6000.00} in the negative. I immediately contacted my bank who closed the account and told me not to worry that they would handle this. Unfortunately, the new account they set up for me and had my direct deposits from my employer was closed by the bank as well. The bank then accused me of making the transfers and basically demanded that I pay all of it back when I was the XXXX scammed and already lost thousands.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Regarding account ending in XXXX Citibank is still reporting information on this account and has admitted that they have sold this account to another company. This account shows inaccurate information, XXXX shows account in collections and XXXX shows all payments made on time. If Citibank sold this account to another company, why are they still reporting inaccurate information. 
I believe Citibank is purposely trying to harm my financial wellbeing. During Covid Citibank removed all of my available credit because I was late 1 month on my payments and when Citi removed all my available credit to protect themselves my credit score dropped XXXX points in 1 day. 
How can Citibank still be reporting an account that they sold. 
According to 15 U.S. code 44 Documentary evidence. I am requesting that Citibank show all documents relating to account ending in XXXX this includes all documents, papers, correspondence, books of account, and financial and corporate records.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (MA)

I am a resident of XXXX, MA. I moved from XXXX XXXX, IN, and wanted my car to be registered in MA. I contacted my leasing company ( Hyundai Motor Finance ) in XX/XX/2023 regarding this. Every time I used to call them they used to give me a different set of information. I somehow gathered all the information and sent them the required documents for the title transfer in XXXX. I filed a complaint with CFPB in XX/XX/2023 after which the leasing company then sent the title documents to the title department, MA by the end of XX/XX/2023. I called the title department, MA and they told me that the documents were wrong ( missing information ) so they sent them back to the leasing company. Now whenever I call the leasing company they tell me a new thing or they keep giving the USPS tracking address back from XX/XX/2023 on which they sent the documents to the title department, MA. Last week they told me that the documents were sent to my old address which is in XXXX XXXX ( they already have my new address with them where they had sent an information document in XX/XX/2023 ). It has been three months and I am very stressed and depressed because of this. I feel cheated and humiliated. I also sent them a check ( in the name of XXXX  ) that was supposed to be sent to DMV, MA. They said they never got the check back from the DMV in the documents they sent back. My car is unregistered since XX/XX/2023. It's giving me everyday anxiety. I have cried on a call with the leasing company a couple of times. I feel so helpless.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

Subject : Complaint of XXXX Practices and Mismanagement of Funds I am writing to formally raise a complaint regarding an issue that has arisen from the handling of a certified check issued by Wachovia Bank, before its acquisition by Wells Fargo. This complaint concerns the disappearance of funds and the subsequent lack of proper documentation or evidence regarding the escheatment of these funds to the XXXX XXXX XXXX XXXX Unclaimed Property Department. 

Incident Description : Date of Original Transaction : XX/XX/2008 Amount : {$7100.00} Actions Taken by Me : After noticing that the certified check had not been honored, I initiated contact with Wells Fargo to inquire about the status of the funds associated with this check. I was informed that the branch in question was unable to negotiate the check and that an investigation would be launched to determine the whereabouts of the funds. 
Actions Taken by the Company : The Executive Office ( EO ) of Wells Fargo conducted research and subsequently informed me that due to the age of the item, the funds were allegedly escheated to the unclaimed property department of the state/territory of purchase. I was advised to contact XXXX XXXX XXXX at ( XXXX ) XXXX, XXXX XXXX XXXX at ( XXXX ) XXXX, or the unclaimed property department of the state where the cashier 's check was supposedly escheated to recover the funds. 

Concerns and Allegations : Despite following the instructions provided by the Executive Office, there is no record or evidence of the funds being escheated to the XXXX XXXX XXXX XXXX Unclaimed Property Department. This lack of documentation and the inability to trace the funds through the state 's unclaimed property records suggest that the funds XXXX have been improperly co-mingled with the bank 's assets, rather than being appropriately segregated and escheated as claimed. 

The absence of a verifiable record of escheatment to the XXXX XXXX XXXX raises serious concerns about the integrity of the bank 's processes for handling unclaimed funds and customer assets. It suggests a potential cover-up for the commingling of customer funds with those of the bank, constituting XXXX  practices and a breach of fiduciary duty. 

XXXX XXXX : I am seeking a thorough investigation into the whereabouts of the funds associated with the certified check issued by Wachovia Bank, and if it is determined that the funds were not properly escheated, I demand that the funds be returned to me, along with any accrued interest, as compensation for the financial loss and inconvenience caused by these actions. 

I trust that this matter will be taken seriously and addressed promptly to rectify the situation and uphold the integrity of banking practices. 
I have documents that contain personal information
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

1 ) Provide breakdown of fees including how you calculated what you claim I owe.

2 ) Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX account # ending in XXXX XXXX XXXX  account # ending in XXXX XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Apple Card for an unresolved dispute related to the non-delivery of a round-trip ticket. Despite providing evidence and acknowledging fault from the merchant, Apple Card has not addressed the issue. 

Details : Date of disputed transaction : XX/XX/2023 Transaction Amount : {$830.00}, {$72.00}, {$72.00} Merchant : XXXX XXXX  Brief Description of Dispute : Non-delivery of service, unjustified reasons from the merchant not to deliver the service. 
Documentation Submitted : Attachment 1, Attachment 2 Attachment 1 : Email communication with the merchant admitting failure to deliver the service. 
Attachment 2 : Response from Apple with untrue response from XXXX ( I contacted the company to change itinerary and they claimed that I did not ). 
Attempts to Resolve : Multiple attempts to contact Apple Card have been unproductive, with insufficient responses. The merchant 's unjustified reasons for not being able to charge my card for flight changes remain unaddressed. 

Apple Card 's Response : While Apple Card acknowledged receipt of the complaint and expressed understanding of the situation, no tangible steps have been taken to resolve the issue. The entire correspondence exchange indicates the merchant 's fault, yet the dispute persists. 

Additional Issue : Furthermore, every time I attempt to contact Apple Card, I am subjected to excessive wait times, ranging from XXXX minutes to XXXX hour and XXXX minutes. This extended wait time adds further frustration to an already unresolved matter.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (SC)

XX/XX/XXXX the other person on the loan was in an accident. Found out car is a total loss. We informed Regional Acceptance by mail and phone call. I received an email alert at the beginning of XXXX Regional Acceptance increase the amount we owe. I was in the hospital due to XXXX  XXXX XXXX XXXX, XXXX ' XX/XX/XXXX. I was going to call them but I was still in pain at home recovering. The other person on the loan was informed by a rep at Regional Acceptance in XX/XX/XXXX they will remove the car loan from our credit. Today I received an alert concerning a hard inquiry. I noticed Regional Acceptance pulled my credit for a personal loan we didn't authorize. Also notice between XX/XX/XXXX and XX/XX/XXXX they did remove the loan from my credit and then stated account closed. The car is a total loss and it should be removed from my account as well as XXXX XXXX ( the other person on the loan ).
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (WI)

On approximately XXXX XXXX while reviewing my credit union credit report I found that there was a collection debt payment had been put on my credit report, in the amount of XXXX  XXXX 'm a victim of identity theft and have been working with the three major credit reporting companies to rectify and to restore my credit which to my surprise I've had some success but with this collection agency after writing a few letters the inaccurate information remains even after in my letters I gave them my correct address. But as of today, I have not received any response. I SAY ONCE AGAIN I'M A VICTIM OF IDENITITY THEFT AND THIS IS NOT MY DEBT!!!!
Consumer complaint received 2023-11-09
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. (GA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account.

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX,
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I have account with synchrony bank accounts go down but one care credit at present it is up to over XXXX with all the fees they add I have not used this for his long and it should not be this high I talked to them today an XXXX and they will NoT work with me. Unless they do I can not afford to pay this card since they keep adding fees and the card amount is going up. Why pay on it I am getting no where
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CT)

I sent a dispute letter to Comenity Bank on XX/XX/2023 asking to 1 ) prove negative remarks reported on my credit report and IF proven true to make a goodwill adjustment and remove negative remarks. I received a corresponding letter dated XX/XX/2023 stating that " After reviewing our records, we find that we are unable to make any adjustments to your payment history ''. While I do understand that the creditor is under no obligation to grant a goodwill adjustment, Comenity failed to acknowledge my other requests with this response. 

I responded to this later on XX/XX/2023 ( mailed on XX/XX/2023 ) reiterating my original requests to 1 ) validate these late payments and 2 ) to provide me with written confirmation of the steps taken to investigate my dispute. Their initial vague and short response led me to believe that they did not taken my initial claim seriously and failed to validate said negative remarks AND did not follow through with providing me with written steps they took to investigate my claim. I have yet to receive any correspondence from them since my letter and therefore, I believe that my rights are being violated and my claim was not properly handled. I have attached ALL correspondence between Comenity and I since my initial dispute as well as the mail receipt of the final letter that was sent.
Consumer complaint received 2023-11-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TX)

Subject : Urgent Complaint Regarding Credit Score Drop and Fraudulent Account on Credit Report [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear CFPB, I am writing to bring to your attention a serious issue regarding my credit report, which has adversely affected my credit score without any justifiable reason. Additionally, there is a fraudulent account, specifically Account XXXX with XXXX XXXX XXXX, that has been erroneously added to my credit report, causing a significant drop in my credit score. 

XXXX XXXX XXXX XXXX : I recently observed a sudden and unexplained drop in my XXXX credit score. Despite my diligent financial management and no adverse actions on my part, my credit score has decreased, impacting my financial standing. I have not received any notification or explanation for this decline. 

Experian Fraudulent Account - XXXX XXXXXXXX XXXX ( Account XXXX ) : Yesterday, I discovered that Experian unblocked a fraudulent account, Account XXXX with XXXX XXXX XXXX, which does not belong to me. This unauthorized account has resulted in a substantial decrease of XXXX points in my credit score. I have taken immediate steps to dispute this fraudulent activity and have contacted Experian, but I am yet to receive a satisfactory resolution. 

XXXX Failure to Remove Fraudulent Account : Despite providing evidence and documentation proving the fraudulent nature of Account XXXX with XXXX XXXX XXXX, XXXX has been unwilling to remove it from my credit report. XXXX XXXX has reported this fraudulent activity to all three credit bureaus, including Experian and XXXX, but XXXX 's lack of action is further exacerbating the impact on my credit. 

Difficulty in Communicating with Credit Bureaus : I have diligently attempted to resolve these issues by contacting each of the credit bureaus. Unfortunately, my efforts to speak with a U.S. representative have been met with unresponsiveness and hang-ups, hindering my ability to rectify these critical matters promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and address these issues promptly. The discrepancies in my credit report and the inclusion of a fraudulent account are causing undue financial distress, and I seek your assistance in ensuring a fair and accurate representation of my credit history. 

Enclosed with this letter, please find supporting documentation, including evidence of the fraudulent account and communication attempts with the credit bureaus. 

Thank you for your urgent attention to this matter, and I look forward to a swift resolution. 



[ XXXX XXXX XXXX