davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
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. (AZ)

XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XX/XX/XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XX/XX/XXXX I was notified by credit monitoring company I had a late pay added to my file for XX/XX/XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 2017-12-06
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. (PA)

On XX/XX/XXXX I filed a complaint against Experian in regards to them reporting a public record in my consumer file. They responded as they provided me with the data furnisher of the information which was XXXX XXXX. I had contacted XXXX XXXX in regards to this matter to find out where they received this information and why it was being reported to Experian. The customer service agent, XXXX, told me they did not provide any information to Experian as my information is currently suppressed due to identity theft a few years ago. I had contacted Experian by phone on XX/XX/XXXX and again was informed that Experian verified this record with XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I had then called XXXX XXXX back and spoke with a customer service supervisor, XXXX, who again assured me they did not verify this public record on those dates to Experian and reassured me that any information they may have on me is suppressed because of the police affadavie I provided them a few years ago. I called Experian back and was told this time they can not answer any questions for me that my file was being handled by their legal department and I would have to speak to XXXX XXXX. I am going to file a complaint with the XXXX XXXX XXXX as well.
Consumer complaint received 2024-10-25
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)

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach, and fraudulent accounts have been opened in my name. In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete all fraudulent accounts and inquiries from my credit report as soon as possible. 
The following account is fraudulent and should be blocked and deleted : XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$370.00} Additionally, I request that the following inquiries, which were not authorized by me, be blocked and removed from my credit report : RESIDENT VERIFY Inquiry Date : XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-23
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2023-09-23
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA is trying to charge me a {$25.00} late fee for a credit card. My understanding is the maximum that can be charged is {$8.00}. 

I saw this late fee today when I logged into my account, which is XX/XX/year>.
Consumer complaint received 2023-09-23
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. (CA)

I am writing to formally complain about the numerous unsuccessful attempts I have made to have fraudulent items removed from my credit report. The continued presence of these inaccuracies is causing severe distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my financial stability and creditworthiness. I first identified these discrepancies and have since made several efforts to rectify this situation through your organization. Regrettably, my attempts have been met with frustration and a lack of progress. 

I initially submitted a dispute request to have these fraudulent items removed, providing all the necessary documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Determined to resolve this issue, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. To my disappointment, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not stress enough the serious consequences these fraudulent items have on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and decisive action to correct this situation. I expect a thorough investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to removed the following fraudulent items : XXXXXXXX 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
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I opened a new wells Fargo everyday checking account with a bonus offer code on XX/XX/ and then I set up the account I deposit {$25.00} and had my employer direct deposit all my payments to this account so I have all the requirements to get the bonus. Finally more than 90 days passed with everything that was asked to me was accomplished but they are saying that my employer isn't using direct deposit because my employer pays me direct deposit to my debit card connected to my wells Fargo, they say it's gota be ACH deposit but my employer pays me direct deposit like that do they denied me my bonus unfairly. They made me loose all that time for absolutely nothing, they could at least tell you in advance, but wells Fargo customer service is one of the worse I've experienced in all my banking experiences. I just want them to honor their word and stop false advertising nonsense. If my employer is depositing money in my account constantly and I have a steady XXXX balance then it's proof enough that I'm doing what I'm supposed to do.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (NY)

I have a new collection from debt collection agency XXXX XXXX XXXXn the amount of {$1700.00} from original creditor XXXX XXXX which owns the Avant credit card. 
I did have this credit card back in XXXX. The initial credit line was {$500.00} and I have had issues with fraudulent charges. I am enclosing the one that was investigated through the Avant and XXXXXXXX XXXX fraud department and deemed as fraud. 
I also have been a victim of identity theft which has been made aware to this company, XXXX XXXX as well as others I have submitted claims for. 
Once that initial fraud came back in 2022, I immediately closed the account and paid down the balance which at the time was less than {$200.00}. 
Now, years later in the midst of my identity theft crime, this account has been sent to collections with a {$1700.00} balance. 
I did not authorize any more use of that account, and once it was closed it was obtained fraudulently. 
I am not responsible for this and am asking for XXXX XXXX and the original creditor XXXX XXXX to recognize this and immediately cease collections attempts and reporting on my credit file.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

This has been happening more often than not. My banking institution, US Bank, has been making some serious mistakes with my account. For instance, I visited my account on Wednesday and had no pending transactions. I had over {$1000.00}. Whats funny is prior to that, earlier on in the week, I had {$700.00}. This morning I opened up my account and I have {$600.00}! They are not posting things when they should. They wait days to post things. It is so difficult for me to figure out what is going on as I am not good with numbers but I know 100 % sure that something sketchy is happening. I did email them about this. Please help me.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IL)

My grandson, and I established a custodial checking and savings account with the bank I normally use for years Chase Bank on in XXXX Illinois on XX/XX/2023. His name is XXXX XXXX XXXX, my name is XXXX XXXX. Account numbers can be provided upon request. I believe Chase sent checks to him in AZ, that may have been removed from the mail, ( specluation ). On XXXX when I checked the acct, to my amazement, some one was removing funds from the savings acct to the checking acct and stealing the money. It was happening as my grandson, his parents and I were on the phone talking to the fraud department in the XXXX, XXXX, as some one was taking {$900.00} from an ATM in XXXX on XXXX XXXXXXXX At the same time my grandson noticed some one had picked his pocket and all of his bank cards and ID was missing. He is a XXXX, XXXX at XXXX, the account was a month old and he was at his dorm XXXX AZ for just 2 weeks, and his bank accounts were scammed. The amount the Chase should return is about {$4300.00} Claim # ( XXXX XXXX XXXX XXXX XXXX ) I was told to go into bank on next business day and close those acct and open new ones and got an got a new claim number on XX/XX/2023 ( XXXX XXXX XXXX XXXX ) I feel the bank is scamming us too. They denied our claim. I can be reached at XXXX XXXX XXXX, to explain more details.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My XXXX account was hacked on XX/XX/XXXX  which I became aware of via ele electronic notification. A purchase of a bed for {$780.00} was charged to my Capital One credit card on file and being delivered to my address on file. I did not make this XXXX order, it was fraud. I couldn't get the shipment stopped through XXXX or XXXX and the bed was delivered to my home on XX/XX/. I completed dispute process with Capital One and informed them that I had the bed at my address. They provided a provisional credit and upon investigating, determined insufficient evidence of fraud since I had the disputed item in my possession at my address on file and I would have to handle this myself with XXXX. Between all my conversations with XXXX, XXXX, and Capital One, I was waiting for someone to make the attempt to pick up this box and return it to XXXX, but wasn't hearing anything. I have been trying to resolve this with XXXX from XX/XX/XXXX XXXX XX/XX/XXXX  and still don't have a refund! I followed the instructions on the back of my Capital statement : Your Rights If You Are Dissatisfied With You Purchase and mailed a Certified Letter to the address provided. I have a receipt from XXXX that it was signed for and haven't heard a word from Capital One regarding receipt of this or if they assist further. I am attaching all detailed conversations.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A charge off is considered as income according to IRS, an income is forbidden to be on my consumer credit report according to congress 15 u.s.c. 1681 ( 2 ) ( a ) ( i ). A charge off is an inaccurate account 15 u.s.c.1681 ( e ) ( b ). 15 u.s.c.1681 ( s ) -2 says any payments during Covid-19 are required to be deferred or forgiven.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC (NH)

On XX/XX/year>, a debt collector had sent a text message to a person outside of my household in order to settle a debt collection from a credit card. The photo of the text sent to another person is attached. The company is XXXX XXXX. The text message outlined that they are contacting me regarding my XXXXXXXX XXXX XXXX  Account. It also prompted a link to login and view the debt and make payment arrangements. There was no sought confirmation that it was being sent to the right person and there should be no outline of what company the debt is owed to. That is private information and goes again the FTC. I cant imagine how many other people are getting peoples debt notices and having their information thrown around
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (PA)

Ocwen/PHH is reporting current late statuses with all 3 credit bureaus on my husband 's account which was transferred and closed in XXXX. We were not aware of this current reporting until we applied for a home mortgage loan and were denied because it appears as if we are currently late on mortgage payments. As soon as we were made aware of this error, my husband filed disputes directly with each credit bureau. We both contacted Ocwen via phone calls, fax, and email. We supplied the necessary documentation, but Ocwen states their reporting is accurate. It is not accurate for XXXX as again, this account is closed with a XXXX balance and has been since XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2020-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HAWAIIAN, INC. (HI)

First Hawaiian Bank charges a {$5.00} fee every month for online bill pay service. I have been charged this fee on XX/XX/20, but do not use this service. First Hawaiian Bank has charged me this fee last year for 11 months by withdrawing from my checking account, even though I have never utilized this service. The withdrawals were disputed and stopped for approximately four months. However, First Hawaiian Bank again began withdrawing for the same fee on XX/XX/20. Other individuals have also reported this same problem.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I recently reviewed a copy of my consumer report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't open by me. I'm in the process of buying a house for me and my family and these fraudulent accounts are hurting me please remove this from my consumer report as soon as possible.
Consumer complaint received 2023-09-23
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: JPMORGAN CHASE & CO. (TX)

I purchased goods from XXXX for XXXXXXXX XXXX The XXXX wanted additional money that was not included in the XXXX. I refused to pay the extra money and the visit became unpleasant so I left but they didnt refund me and the bank declined to approve my dispute. So the vendor stole my money
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-09-23
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)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act
Consumer complaint received 2023-09-23
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. (PA)

Over the past 5 years, I've been trying to dispute incorrect information that the reporting agencies are posting on my credit report. Ive never authorise the businesses that are posting debt item on my report, I've never conducted business with or ever communicated them with them. And each time I report to Equifax and XXXX they further post falsified information and report these items as new. I feel thru violating my rights, protection to privacy of my sensitive information and allowing falsified information on my report.