davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (AZ)

I ordered a DVD on XX/XX/XXXXonline. I tried to cancel the order but XXXX said I only have 1 hr after ordering to cancel. It was now 3 hrs  after. I wanted to get a DVD for my son for XXXX. Today is XX/XX/XXXX, I have never received the DVD nor have I been able to get my {$11.00} back. Chase bank says that they do n't have any recovery rights. I have called XXXX 44 times. They would not give me any information about the seller, then on later calls they wo n't file a claim for me. On XX/XX/XXXX a guy name XXXX supposedly fild a claim but he lied. I have called 10 times today, I was put on hold for an hour and 1/2. Only to have them hang up on me. How can I get my money back?
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2018-01-18
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. (GA)

I submitted a letter to Experian disputing an account that is currently listed on my credit report. The account I disputed is for XXXX XXXX. I received an alert through my email that the investigation was complete. According to their site in which I am uploading proof my investigation started on XX/XX/XXXX. Experian sent me the results of their so called investigation on XX/XX/XXXX.  There is no way an investigation was completed in this short amount of time. I have writtten several letters prior to this and I get the same results. This is causing me so much trouble with my credit due to their unfair credit practices.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I purchased a pair of XXXX audio headphones. After using them, I was n't satisfied with some of the features such as sound quality and noise cancellation. On XX/XX/XXXX, well within the 30-day return period, I proceeded to the store to return the item. I was then told I was not allowed to return the headphones. When I inquired as to why, I was told that I had made " too many returns '' and could not return merchandise for 1 year. I was given a slip with the name of the third-party vendor that BestBuy utilizes to monitor return activity. Nowhere is such information listed on their receipt, or in the store. The merchandise was functional and completely returned in the original packaging. When working with the BestBuy Executive Resolution Specialist, follow up was by coincidence slow to intentionally ensure if I were able to return the item, I would miss the 30-day window. After demanding an update, XXXX informed me that she was unable to lift the blackout of returns and offered me a {$100.00}. At that time, I advised how disgusted I was with the treatment and felt that since this was the best customer service I could get, I 'd take the gift card. HOWEVER, XXXX, denied my acceptance of the offer, and instead informed that XXXX XXXX XXXX   that I declined. Per the documentation, that is an outright fabrication. This return policy is deceptive. We as consumers do n't have any idea that our purchases and returns are even being monitored. Let alone, that we only have limited capability to truly determine if we 're satisfied with the purchase. This policy is well hidden and extremely convoluted leaving a consumer to feel as if they do n't have rights. This is an unfair and deceptive business practice employed by BestBuy. First, as an Elite member,  we are given 60 days to make returns based on the volume of purchases. Secondly, as a BestBuy credit cardholder or Elite Member, they NEVER disclose that they track purchases based on your e-mail or account information to limit the amount of returns you can make. So while BestBuy has their " general '' return policy posted in stores, what they do n't advertise is that they have two separate return policies in place that greatly limits the consumer ability to fairly choose whether a product is right for them. Therefore, I demand that Best Buy honor their offer of providing a gift card, as well as lift the " blackout '' of no returns from my account immediately.
Consumer complaint received 2018-01-18
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: WELLS FARGO & COMPANY (CO)

I contacted Wells Fargo Bank today XXXX, XXXX, 2017, to provide additional evidence to support my case in a large purchase I made, for which the merchant did not provide. I was told there is nothing more I can do and that after arbitration, there is no more appeal process. What frustrates me is that on multiple occasions, when this bank has decided a dispute in my favor, they have come back and changed their minds. However, in a large transaction, where the merchant did not perform the service they promised, my bank is refusing to help me. They are refusing to accept new evidence and are saying there is nothing further I can do. The bank 's dispute process and arbitration is biased toward businesses and they are not advocating for their customers, as they promise. Furthermore, in the initial consultation, I was never told this dispute was going to arbitration. Instead, I was told by the dispute analyst, XXXX XXXX, that all I needed to get was an invoice or an estimate from another merchant to show the service was not as expected ; yet the dispute was still decided against me. I was not given full disclosure to the magnitude of this process and now, after reaching out a second merchant for definitive proof that I did not get the service I was charged for, the bank is still refusing to help me with this. I filed a complaint earlier about this matter in the previous evidence. This new complaint is about the fact that my bank is refusing to accept the new evidence I am presenting and they are retaliating against me for filing the original CFPB complaint. I have been a Wells Fargo customer for years and it is shameful that they are treating me like this. This transaction is worth 1 full month of my paycheck and my bank is helping this other business rob me of my money.
Consumer complaint received 2018-01-18
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. (OH)

On XX/XX/XXXX I disputed inaccuracies on a public record bankruptcy on my transunion report. On XX/XX/XXXX transunion responded that it had been updated. The information they gathered is not from the bankruptcy court as they have informed me by letter that they do not validate debts. Per FCRA 623 ( a ) ( 5 ) : " If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. Public records information is NEVER validated by the US Court sudden due to Fair Credit Restoring Agency PRIVACY LAW. They also closed student loans that are not closed staying they are included in a bankruptcy. There is no confirmed or open bankruptcy. This has made it impossible to obtain any credit.
Consumer complaint received 2018-01-18
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: DISCOVER BANK (AR)

" XXXX XXXX '' XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX CHN TERMINAL ID : XXXX XXXXXXXXXXXX CNY Amount charged in USD : {$570.00} I visited this location and purchased a minor item for XXXX as shown on the menu. I was over charged XXXX and was unable to dispute the transaction with the vendor, as they were unable to speak english.

I followed up with a call to my Credit Card, Discover IT, who placed the dispute.

The charge was then reversed when the vendor claimed I recieved and signed a reciept with an invoice of items purchased. A receipt copy was faxed to Discover and provided to me on the Discover website.

I tried then again, to dispute, as the amount was wrong from what I ordered and what I was billed. And the receipt given has a poorly forged signature imitating my name.

Upon contacting Discover repeatedly, and filing in house complaints. I 've received no further information on how to continue this dispute, and any discussion with the representatives at their line of business, state a complaint is filed and end the call prematurely, providing no resolution, or proof of resolution.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (PA)

To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX RE : Debt Validation Request Per Section 809 ( FDCPA ) To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and  validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and is there some contractual obligation that is binding on me to pay this alleged debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company XXXX XXXX XXXX agreeing to pay this alleged debt. Please prove that you are the original creditor. 

This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a civil suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request and fail to prove that you are the original creditor with proof of a signed agreement within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards XXXX XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Re Credit card # XXXX XX/XX/XXXX I went online to request change my payment date from the XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX- as system allowed up to 7 days later from due date. Payment due the XX/XX/XXXX payment, changed to XX/XX/XXXX. However Cap One made the statement appear that I cancelled payment on the due date -XX/XX/XXXX! ( Keep in mind my monthly payment is due the XX/XX/XXXX. ) They charged me a XXXX late fee and reported to credit bureau late. I have had an account with Cap One over 5 years and NEVER made any late payments and they chose to disrespect me, treat me unfairly, refuse to review and listen and correct. When customers are near their limit they disrespect their customers and and try to double up on late fees and lie about paymnt history. I called Cap one on XX/XX/XXXX and spoke with a male as he admitted I made a payment date change and he placed my payments back to the XX/XX/XXXX for the mon of XX/XX/XXXX-they have no right! So they can make even more $ off of me and reported late and now Im 2 months behind as its incorrect-EVen when I made my payment of XXXX in XX/XX/XXXX-they did no credit act for the month of XX/XX/XXXX- now showing 2 payments due ( XX/XX/XXXX & XX/XX/XXXX ). As u can see I cancelled XX/XX/XXXX payment that they show due XX/XX/XXXX when it was changed to the XX/XX/XXXX! Not fair! The male I spoke with ignored all issues and changed pmt back fraudulently and shows 2 pmts due illegally when they received XX/XX/XXXX payment on top of reported my act past due. If Im 2 payments behind why have I NOT received any calls payments are PAST DUE????????
Consumer complaint received 2018-01-18
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. (NY)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX To Whom it May Concern, I am writing to dispute a negative information being reported on my credit report by Equifax ( Account # XXXX ). I have disputed this account information as inaccurate with Equifax, and they have come back to me and stated that they were able to verify this debt with the collection company name XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

This cant be true because on XXXX XXXX, 2017, I contacted the collection agency myself asking them to validate my debt. Till today 's date they have been unable to verify that this is indeed my debt. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires Equifax to verify the validity of the negative account information within 30 days. If the validity can not be verified, the negative information must be removed by law.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (FL)

The errors on my report after I received validation Letter from them, On XXXX XXXX contract, my Last name is spelled wrong " XXXX ''. 
Also on XXXX contract, my email is spelled wrong so I never received any notifications XXXXXXXXXXXX On XXXXXXXX XXXX  Contract, there are two different open dates which is circled on paperwork, and also someone changed XX/XX/XXXXto XXXX so someone tampered paperwork to extend debt. The Original date opened is XX/XX/XXXX.On my credit its reporting XX/XX/XXXX. 
Also there 's no social security number identifying that this debt even belong to me. 
Neither contract wasnt supported with how much the debt collector payed for the debts nor contracts with Original creditors stating that they have the right to own and collect on the debts.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Dear Consumer Financial Protection Bureau : I am writing you to report that a collection agency, Portfolio Recovery Associates, is trying to collect debts from me that they did not sufficiently validate to me, upon my request.

I responded to a letter from Portfolio Recovery Associates requesting specific validation information that they did not provide. They also claim that they requested information from me, but they never did.

The validation information they did supply was merely generalizations of debts that have no clear indication as to the ownership of the debt, the right for them to collect from me, and lack of proof of any obligation that I entered into with them.

I want to submit a complaint.

Herewith attached are a record of correspondences Ive had with Portfolio Recovery Associates, detailing the basis for my complaint.

I trust you will address this matter accordingly.

Thank you