davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : 1. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX . 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling XXXXdentity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

I disputed items inaccurate on my credit report. debt not owed, I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Consumer complaint received 2023-10-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received the AMEX electronic gift card through my employer as part of incentive bonus that the company was having. The gift card was sent to me on XX/XX/2023. At first I was able to use it just fine and was able to use about half of the gift card. But after a while the gift card stopped working and I was not able to use it at all. There's {$750.00} left in the gift card. I have tried contacting AMEX customer service but I have not been able to talk to a real person all of the times that I have tried.
Consumer complaint received 2023-10-30
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. (NY)

PLEASE HELP ME!, I AM A VICTIM OF IDENTITY THEFT. I HAVE IDENTIFIED THESE INQUIRIES ON MY CONSUMER REPORT AS IDENTITY THEFT. THIS INFORMATION ARE NOT RELATED TO ANY TRANSACTIONS BY ME. THIS IS IDENTITY THEFT. SOMEONE USE MY IDENTITY AND THEY DID NOT GET WRITTEN PERMISSION, AUTHORIZATION TO ACCESS AND/OR TO REPORT MY PERSONAL INFORMATION. 
PLEASE DELETE THIS OFF MY CONSUMER REPORT. DELETE THESE INQUIRIES 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  ALL OTHER ADDRESS PLEASE DELETE. NOT MINE! THANK YOU
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

On or about XX/XX/2023. I had received {$400.00} I sent it from my XXXX account. At around XXXXXXXX XXXX that night I tried to access my money, it wasn't available! Around XXXX or so I sent my neighbor {$20.00},. That went through. I never got my money that night. I contacted cash app customer service and after a few hours I was able to look at the transaction and it said my {$400.00} went to a XXXXXXXX XXXX  I later learned that cash app and the bank was one in the same with cash app. I explained the situation about XXXX or XXXX times. My problem wasn't resolved and nobody could tell me how my {$400.00} went to XXXXXXXX XXXX! I never got a straight answer yet. I stopped using cash app and every week or so I contacted cash app about returning my money. A representative said they would help me. Still nothing. At the end of XX/XX/2023 I tried to contact cash app about my {$400.00} and my account is closed. Per cash app for FRAUDULENT ACTIVITY!! I still don't understand how they came up with that cause I only used it to inquire about my {$400.00}.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was trying to buy a house and I realized that I had damages on my credit report, according to the 15 U.S.C 1681 ( b ) ( c ) law, there should not be any damages on my report. Its a defamation to my character. In accordance to with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MA)

I called Wells Fargo on XX/XX/XXXX to make a credit card payment before my due date using the company 's phone/IVR system . The phone system indicated that my payment was processed, Wells Fargo sent me a letter confirming my transaction and Wells Fargo updated my credit card account online showing that my balance had been paid. I noticed a few days later that my payment had not been processed from my XXXX account. I proactively called Wells Fargo on XX/XX/XXXX to ask why they had not taken my payment. Wells Fargo indicated that my payment failed due to a lack of funds. I did a bridge phone call with XXXX and Wells Fargo and my XXXX agent confirmed to the Wells Fargo agent that my funds were available the entire time. I have attached here proof that enough funds were available in my account the entire time of this issue. The Wells Fargo agent requested my bank account info again and proceeded to process the payment again. I was again provided a letter dated XX/XX/XXXX that my payment transaction was processed. On XX/XX/XXXX, I noticed that Wells Fargo still had not processed my payment from my XXXX account. I again proactively called Wells Fargo and the banker indicated on a recorded line that the XX/XX/XXXX payment attempt had not gone through because the prior Wells Fargo baker had missed a digit in my bank account number. I gave this banker my XXXX account info again and that banker processed my payment. I received another letter from Wells Fargo dated XX/XX/XXXX that my payment had been processed. At no point during this process did Wells Fargo communicate to me that my payments had not been processed successfully or on time. In fact, via written letter and via WellFargos website they indicated to me that my payment had been paid on time. Wells Fargo has assessed an interest charge of {$560.00} to our account. I have filed a formal complaint with the Executive Office of Wells Fargo and they have closed the complaint and left me with this interest charge even though Wells Fargo themselves failed to process the payment correctly. 

I would like the interest charge of {$560.00} to be credited to me. I proactively attempted to make my payment before its due date, I proactively followed up with Wells Fargo to make sure they received my payment on multiple occasions and I had XXXX confirm that funds were available. I have also attached here proof that enough funds were available in my account the entire time of this issue.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I opened up my first credit card with Wells Fargo. For that card, I wasnt able to pay and my account was closed. Then I got a letter in the mail saying I was being charged {$100.00} for that month. I never consented to this or set up those payments to be done. I called and told them if I can cancel and they transferred me to XXXX XXXX XXXX where they told me that those payments have nothing to do with them and to contact Wells Fargo because they cant do anything about that on their end. They said they were just the debt collection agency that Wells Fargo handed over my account. They told me to call them back to work on a settlement when I was done with Wells Fargo charge. Wells Fargo says there is nothing they can do after I told them all this. Months go by and I try to reach out to Wells Fargo to see if this can be resolved. After months of this, I call again and Im more persistent. I keep getting transferred and eventually hung up on. I keep persisting and one Wells Fargo member does admit it is strange and things arent adding up. I told them that if hypothetically I did forget and set up payments, that would not explain why first source says im still in full debt and need to pay them. Wells Fargo wouldnt have given my account to XXXX XXXX if I was paying. And if im still in debt, where is the money going to. I have been with the stress of this situation for months and I have been losing money. A Wells Fargo was able to stop future payments which I asked why that wasnt done for me in the first place when I asked. I then tell them that I want this to be investigated and I believe there is fraud involved. I get to talk to some executive who says I now have a case and there will be an investigation. He did apologize for the stress this has caused me and I will be reimbursed. They just got back to me saying they are not going to reimburse me and my case is closed. I know I didnt set up those payments and they werent going towards my credit card. Money was just lost.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted this letter below to XXXXXXXX XXXX as well as XXXX, XXXX, Transunion. XXXX responds with everything is correct with being 30 days late. I talked to a representative at XXXX, explaining the situation. Which they were closed on the last day I could pay within 30 days because it was after XXXX and I needed a 4 digit pin code to pay with XXXX XXXX. I never received an email from them only a letter dated XX/XX/2023. They said they cant change it and they legally have to report me. I think its unfair that they have the last say and couldnt understand where I was coming from in this situation. I even send them a credit report of how I have never missed or been late for an appointment. 

Reference # XXXX To whom it may concern ; I am writing in regards to a late payment that is reflected on my credit. This late payment was a result of a cascade of events unbeknownst to me. The original payment was made through an auto payment that is scheduled biweekly. On XX/XX/2023 the payment was credited back to my account. I received a letter from XXXX on XX/XX/2023 and did not receive the letter until XX/XX/2023 due to being out of town due to a work obligation. I attempted to schedule a payment immediately but was unable to due to this service being unavailable. I contacted XXXX on the next business day ( XX/XX/2023 ) to schedule a payment. During this phone call I was directed to send payment via XXXX XXXX, money order or XXXX XXXX. 

I would like a full review of my credit report and reconsideration of this late payment. My credit history is notable for a long standing 18 year account with no missed payments, among other notable histories. This late payment is very harmful to my credit report and would ask if there would be consideration for a one time removal of this late payment. 

I appreciate your consideration.
Consumer complaint received 2023-10-30
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Experian has been really careless with my credit report. They've included unauthorized transactions on it, which is a clear violation of my privacy and the law. 

Specifically, Experian 's actions violate the following laws on my consumer report : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681a ( 2 ) ( ii ) requires consumer reporting agencies to obtain the explicit consent of consumers before including certain information in their credit reports. Experian has not provided my written consent for Experian to include the aforementioned transactions and experiences on my consumer report. 

Electronic Fund Transfer Act ( EFTA ) : 15 U.S.C. 1693g prohibits unauthorized electronic fund transfers from a consumer 's account. Experian 's inclusion of unauthorized transactions on my credit report violates this law, as it has lead to creditors attempting to collect on debts that I do not owe. 

Identity Theft Prevention and Consumer Protection Act of 2003 ( ITPCA ) : 15 U.S.C. 6801 et seq. requires businesses to take reasonable steps to protect consumers from identity theft. Experian 's failure to obtain my consent before including unauthorized transactions on my credit report violates this law, as it exposes me to the risk of identity theft and financial losses. 

I'm demanding that Experian immediately remove and exclude all unauthorized transactions related to XXXX XXXX XXXX account number XXXX from my credit report. 

If Experian fails to comply within 30 days, I will be prepared to pursue all available legal remedies, including seeking damages under the FCRA, EFTA, and ITPCA.
Consumer complaint received 2016-09-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

portfolio recovery bought XXXX charged off XXXX credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from portfolio recovery that I signed nor, any correspondence from them regarding these XXXX old XXXX credit cards.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Conduent Incorporated (UT)

I had several charges to my account that were larger than the amount in my account and 2 specific charges that I have noticed so far that had gone thru taking all but 10 dollars out of my account. I called the XXXX program ( the company the state automatically sends my child support money thru because I didnt have a bank account at the time ). The woman that took my phone call was rude and impatient. She wouldnt listen to everything I had to say but she canceled my card and asked if I had any questions so I told her I had a lot of questions! I wanted to know if and when I would get my money back or what they could help me do about it. She had no answers for me. She put me on hold and ultimately hung up on me and now everytime I call back I can not talk to a person about my problem. I have tried every option available and the automated system just does not let you thru. It is a joke! So I have no money, no fraud report, no answers and no one helping me figure out how to go about this. This company offers little to no protection over the money they are holding on to for so many people.
Consumer complaint received 2015-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

After losing my job in XXXX, I got behind on my $ XXXX/month mortgage payment. By XXXX, XXXX, I was three months delinquent. Around XXXX, XXXX, I commenced a temporary workout package with XXXX. For the next seven months I paid {$1.00} per month. On XXXX XXXX, XXXX, I called XXXX in response to a written notice and was informed on the phone that if I made payments on time for the upcoming three months ( the payments were about 90 % of a full month 's payment ), I would be eligible for a refinance and possibly having XXXX funds cover the arrears. During that XXXX/XXXX/XXXX phone call I made an electronic payment of {$2300.00} as the payment for the month of XXXX, XXXX, i. e., the first of the three trial months payments. About that time, Green Tree Servicing LLC became the loan servicer in place of XXXX, but I was unaware of it. On or about XXXX/XXXX/XXXX, at XXXX I called XXXX at XXXX XXXX XXXX XXXX to make the XXXX of the XXXX 90 % monthly payments. I was told by their representative that he could not talk to me about the loan because Green Tree had taken it over. The call lasted XXXX minutes. On XXXX/XXXX/XXXX, at XXXX p.m., I called Green Tree to make my XXXX of the XXXX monthly payments. I spoke with XXXX XXXX, and told her I wanted to pay the {$2300.00} over the phone. She said I could not and instead demanded aggressively that I pay the full arrears of about {$31000.00}. She would not let me explain that I had an agreement with XXXX. Finally she started asking me about my financial situation and my income. I asked her why and she said she had to fill out an application for me before she would know if I qualified for the same workout package that XXXX had given me. After taking my information, she said it looked as if I might have a chance to qualify for starting a new trial period that would last for XXXX 4 months. Then she said she would mail me the workout application package for me to complete. She told me I needed to get it back to them in about 3 weeks, and gave me a fax number to submit it to. She said it would be best to get it in by XXXX/XXXX/XXXX. This call lasted XXXX minutes. I did not submit the form. According to Green Tree 's monthly statements, the arrears are up to {$46000.00} as XXXX XXXX, XXXX. I have been setting aside the monthly payments in my bank account since Green Tree refused my XXXX/XXXX/XXXX payment. On XXXX XXXX, XXXX, I received a call from a Green Tree representative in XXXX, AZ. She asked if I had received the certified mail they had recently sent. I had not, I told her, so she explained that I had 30 days from the date on the letter, which she claimed was XXXX/XXXX/XXXX, to correct to the default by paying {$41000.00} within 30 days of the date of the letter. Or I had the opportunity to cure the default by making a workout agreement. If I did not cure the default within the 30 days, they might begin foreclosure thereafter.