davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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: WELLS FARGO & COMPANY (PA)

I called Wells Fargo numerous times to get a credit card i never applied for removed. I went into a bank branch at XXXX XXXX XXXX XXXX to replace a damaged debit card and was told that due to our commercial account being in good standing we were pre approved for a XXXX line of business credit. They had me fill out a form and came back and told me i was denied. I thought pre approved meant no credit check. The bank teller named XXXX ( who is no longer employed by Wells Fargo ) informed me that i was approved for a XXXX credit card instead. I turned down the credit card flat and she informed me that the account was already opened. This is i believe a bait and switch. Anyway i refused the card. They apparently mailed out a card to someone and claimed that it was used by me. I do not have their card nor have i ever accepted the card. They opened it without my permission, admittedly closed it to a XXXX balance and opened a second card and issued it to XXXX knows where and whom. I filed a complaint under the class action XXXX vs XXXX for which a settlement check was sent to me for 900 something dollars. Wells Fargo refuses to abide by the settlement and continues to dispute my dispute with the credit agencies that i do not owe them anything. Instead they have me listed as owing them over XXXX XXXX dollars. Please help as this has been ruining my credit for the last 5 to 7 years.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-30
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)

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. Account name : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXX XXXX XXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} has violated my rights. 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX with account number XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have tried to resolve this issue with EXPERIAN, XXXX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-20
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. (GA)

TRANS UNION KEEPS REPORTING BACK SAYING UP-DATED AND THEIR UP-DATES PUT MORE DAMAGING INFORMATION ON MY CREDIT REPORT. I THINK THE WORKERS AT TRANS UNION ARE TRAINED TO KEEP NEGATIVE INFORMATION ON AMERICAN 'S CREDIT FILES. I KNOW TRANS UNION SUB-CONTRACTS TO CALL CENTERS IN THE XXXX. 

I WANT ALL THE GAMES TRANSUNION IS PLAYING TO STOP AND THEY REMOVE ALL MY PAID OFF BILLS. 


Civil Penalty Fund Congress established the Civil Penalty Fund through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. 

When the Bureau collects a civil penalty through an enforcement action, that penalty is deposited into the Civil Penalty Fund. The money in the Fund is pooled and can be used to compensate victims who havent received full compensation for their harm through redress paid by the defendant in their case. 

In accordance with the Dodd-Frank Act and the Bureau 's Civil Penalty Fund rule , the Fund can only be used for two purposes : to compensate eligible harmed consumers and, to the extent that victim payments are not practicable, to provide funding for consumer education and financial literacy programs. If victims can not be located or it is otherwise not practicable to pay victims, the Bureau may keep the money in the Fund for victims in future cases, or the Bureau may use money in the Fund for consumer education and financial literacy programs. 

Learn more about how we determine victim eligibility Our work Victim payments The Bureau may make Civil Penalty Fund payments to consumers who were harmed by a violation for which civil penalties were imposed, and who arent otherwise expected to get full compensation for their compensable harm, as described by the rule. The Bureau hopes to make payments to all such victims, but whether it will be able to will depend on the amount of money in the Fund and other factors. 

Learn more about victim payments from the Civil Penalty Fund
Consumer complaint received 2023-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/XXXX a dispute was opened for a pre-order charge of {$210.00}. The item was expected to arrive by XX/XX/XXXX. 

Upon completion of opening the dispute I was told that I would be receiving a letter from capital one with information on how to proceeded with the dispute. I never received any letter from them via mail or email. 

On XX/XX/XXXX I was looking at my statement and I noticed that they reversed the temporary dispute and charged my account again. This charge was added back to my account on XXXX on XXXX XXXX I then on XX/XX/XXXX called capital one back to inquire about this document that I was supposed to have received now that I noticed they reversed the claim. During this call I was informed that due to me selecting paperless communications the letter could be found in the document section of my capital one account. I was never sent an email or physical letter or given a notification on my phone app or the website. 

Upon learning this the agent on the phone helped me find and download the document to submit and told me that they would re-open my case and that being passed the timeframe would not impact my claim. 

On XX/XX/XXXX I submitted the filled out document via Fax to capital one and waited to hear a response back. 

Later that day XX/XX/XXXX capital one informed me via email that my claim had been denied due to waiting too long to send in the documentation. 

On XX/XX/XXXX I then called capital ones fraud and disputes center and spoke with XXXX XXXX Employee ID : XXXX about my claim. He informed me that because I waited too long to submit the paperwork that I was unable to continue the claim. He told me that I had 118 days from the day the goods were expected ( XX/XX/XXXX ) to submit the claim paperwork. 

I opened my claim on XX/XX/XXXX, well within the timeframe of 118 days. Due to capital ones failure to properly notify me of the documentation that needed to be sent, it took me until XX/XX/XXXX to send in the proper information. Despite the agent on XX/XX/XXXX telling me that this delay did not matter capital one claims they are unable to help me re-open this case.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Dear administration, Experian credit report agency change my credit report without my correct information for personal opinion, without me.After that they try take money from my bank account without my decision at all. 
I have free credit report and do not change my membership. 
Please let me know a reason my membership changed? 
Please let me the reason Experian credit agency do not let me log in, make copy this fraud and sent it to you? They question ask me do the payment {$27.00}. 
This is extortion of money, black mails. If you do not pay, we do not let log in!

Evidence what I try send to you, - experian requested my credit report by self every 5 minut in term one days, ( 30 request credit card and loans ) Today when my credit report move to XXXX, and I want see true there, I can not. 
I block my credit report to avoid similar trouble, however credit report unblock it for self purpose. 
Please let me know when I will have compensation for infringement, discrimination, and the violation of my freedom? 
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 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I cancelled my car XXXXnsurance because medically I was no longer able to drive. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also, received a letter to show that it was confirmed and cancelled. Bank of America, allowed them to keep taking money out of my account for 9 months. I am XXXX and barely scrape by on my social security. I called dozens of times, to file my dispute and I submitted documentation only to have them say that the merchant did not respond so I would not be entitled to any further dispute. I was told so many times that I would receive a credit to my account if they did not respond. A manager had told me at Bank of America that I needed to file another dispute. The insurance was cancelled and the letter was dated XX/XX/2022 and I called to put stop payment on it in XX/XX/2022 because I had major XXXX and was in XXXX  between then I was also unable to handle it any earlier. Bank of America also asked for medical records showing I was in the hospital I dont know if thats even legal. I also called the insurance company and was told that they sold the company to someone else I would have to call that number that new insurance company which they had no record of my account. It was {$670.00} total.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (OH)

I sent 2 payments to my parents in XXXX in XXXX and they held my transactions asking for more information of which they needed the money urgently and I then cancelled the transactions and used another provider. World remit confirmed cancellation of my transactions and said a refund would be issued! 

Its been over 2 months and I still do not have my refund. My bank statement is showing that they took the amount but they are arguing that they never took the funds when I have proof from my account that the money was debited to them. I have called twice already but still my issue has not been resolved.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (AZ)

I received an email on XX/XX/XXXX  from my long-time credit card provider Citi. The details therein suggested : Now you can see the merchants and wallets who have your card information saved on file via the XXXX XXXX XXXX on Citi Online in addition to the Citi Mobile App*. Further, Have you recently closed a card or received a replacement card? Youll see the merchants/wallets where your new card information was updated automatically, plus where youll need to update the information manually. 
While I was initially excited about this new feature, once I checked my account, I was upset to find that Citi, if the email is correct, had potentially updated my replaced or otherwise new credit card number ( s ) to merchants that I have not done business with for many many years ; this practice seems completely negligent on their part, considering they have the details to know that I have not paid for service with near half the companies listed, again, for many years! 
How is it that they should not give the customer an option to automatically update credit card details with a specific merchant ; anything less and Citi is unnecessarily putting customers at financial risk?
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (GA)

Good morning, I have been reaching out the Republic finance here in XXXX, ga where I initially received my loan of {$5000.00} over a year ago. I have never missed or made a late payment. As of the last two months I have been reaching out to the loan company to speak with a manager because my sole income of being a 100 % service-connected XXXX veteran has changed and that I was struggling to keep up with the payment as well as I have been living on the streets since XXXX. They refused to work with me but constantly offering to give me more money. Of yesterday the number that I usually reach them on is now disconnected. Additionally, most times I pay more than what is due and currently my balance is still sitting at {$5600.00} on a {$5000.00} loan, The second problem is that they are reporting that my original loan was {$7000.00} and This was the first I heard of that was from the credit bureau, and lastly, yesterday my credit score dropped because the credit reporting agency said that my score dropped because my balance with XXXX XXXX has increased between XXXX and XXXXXXXX XXXX XXXX. I googled the headquarters and was able to connect with them but after speaking with XXXX XXXX I was constantly transferred to different extensions that would ultimately end in the call being drooped every time.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I paid this account off in full. Opened another bc it was for {$8.00} after I paid off, then paid off that balance it shows up as a negative on my credit report and would like the account removed since balance was paid in full and they agreed to remove it
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 -Account Name : XXXX XXXX XXXX XXXXXXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX. 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 an 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 item 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.
Consumer complaint received 2023-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-06
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. (MS)

Unauthorized Inquires on report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Per Fair Credit Reporting Act credit reporting agency must eliminate any associated information as they did not provide validation evidence by required time.

Reporting Agency failed to provide me with evidence to support that the inquiries were " factual " within timeframe and I did not receive requested evidence from either the companies or credit reporting agency regarding the dispute. I disputed this three times and no answer related to requested information.

Credit Information is still inaccurate despite advising of unauthorized inquiries, inaccurate personal information listed and despite account history were updated to reflect no missed payments bureau failed to update account status to pays account as agreed and history to no missed payments as required per 15 USC 1666B ( A ) where consumer 's paying history is private and needs written consent from my end to report.
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Recovery Corporation (CA)

After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Universal XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX  there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.