davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have a car loan with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. This installment account I've had for years and is an automatic debit to my checking account for the montly payment and recently I saw that in my credit report, the account was about to become a charge off. I called the bank and have not been able to get a clear answer. Then I have tried to dispute it to the bureaus with all the evidence that I have from the bank and I have not heard or had a response from the bureaus or the bank. 
I had to make a formal complaint to XXXX XXXX XXXX regulator in order to complain on the mishandling of my financial information. This violates my rights as a consumer to have the correct information being reported on the credit report. 

Attached all the evidence. 

Please advise,
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX  and EQUIFAX denied any inaccuracies but after further investigation I can confirm they are reporting incomplete and inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX  yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with EQUIFAX who is allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give EQUIFAX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from EQUIFAX.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

This formal dispute letter is written in connection with violations committed by both the XXXX and Experian credit bureaus. Both have violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter " FCRA '' ) which prohibits Consumer Reporting Agencies ( " CRA '' ) from engaging in deceptive and unfair practices. 

WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S Bankruptcy Court never provided any information to the credit bureaus, nor do they ever validate and/or confirm public records. The attached letter states these facts unequivocally.

3. The credit bureaus have reported derogatory information to my consumer/credit for 7 years since XXXX, and have caused me much difficulty in attaining fair interest rates4. If the CRAs can not validate the information with the information furnisher, CRA must remove said information from the consumer file. '' 4. According to the FCRA, I have the right to an accurate consumer/credit report.
Consumer complaint received 2023-06-06
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. (MD)

There are accounts that are included on my report that don't belong to me. 
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 2023-05-31
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: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Consumer complaint received 2022-02-05
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Consumer complaint received 2022-02-05
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DC)

I applied for a jumbo mortgage  with Wells Fargo to refinan ce a first mortgage on an apartment located in  XXXX  jointly owned by me and my domestic partner.   After a lengthy and inquisitive proc ess, Wells Fargo app roved the loan and send us a commitment lette r. ( atta ched ) In the meantime, I had filed a refi application with another bank and was approved very quickly, with better terms than the one offered  by Wells. So I told Wells that  we would not close the loan with them, which I had every right to do since I had not signed the commitment letter accepting the loan.     We than both received what I would call a retaliation letter, stating that the bank had rejected our applicatio n ( the ver y same that I had accepted earlier ) and enumerating a lot of vague arguments and phony reason s ( payments incident, bad credit score etc ... ) to justif y the rejection. They knew perfectly well that those were pure fabricated falsehoods, since they had all our financial background in the initial application.     I am very concerned that the disparaging comments about our finances  ( wh ich we can prove are a pure lie and fabrication ) will somehow be leaked to other financial institution or used for scoring purposes. What if I ever apply for another loan that asks whether you have been previously rejected? How am I going to answer that question?      Bottomline is that WELLS FARGO, which has already been haunted by numerous scandals, is simply trying to retaliate by tarnishing with falsehoods my financial reputation Thank you for your help, I hope Wells wo n't be allo wed to continue spreading deliberately false information to retaliate against clients
Consumer complaint received 2023-04-17
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. (MI)

I requested for an through investigation to be done on my consumer report and noticed inaccurate information reporting has not been corrected. I've included certified mail receipts XXXX # XXXX Equifax # XXXX XXXX # XXXX
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

Paypal credit services and XXXX XXXX have done XXXX ( XXXX ) hard inquiries on my credit reports that I did not authorize. I have written letters to both companies and contacted both via mail and fax. Neither one will remove my hard credit inquiries even though I never applied for credit with them.
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (NJ)

I was contacted by I.C. Systems about a year ago, they called my cell phone repeatedly until I picked up. They asked me to confirm my information, to which I asked who they were. All they said was I.C Systems, I said " OK. And who are you? '' They told me they needed me to confirm my address, after multiple attempts I got fed up, and gave in to giving them my address. They told me that I owed them money from a previous doctors bill. I asked them to verify the information they were talking about. They could n't. They just told me that I owed them money from a doctors office. I told them they needed to send me information on this, to which they responded " We sent out a letter yesterday, we need you to make a payment. '' I told them I was n't making a payment to them without any information. They told me the letter was in the mail, to which I replied " ok, when I get the letter in the mail and review it, I 'll call you back. '' They called me again and again, same song and dance, telling me I owed them money and I needed to pay it. I told them I never received any paper work form them. They got very nasty with me and told me that it was sent out and that I needed to make a payment. I told them I would review the paperwork when I received it, and I would call them back. They kept calling, and I did n't pick up. It 's now a year later and I still have not received anything from them in the mail, even after confirming my address with them. 

This is harassment. They are non-stop calling, have n't sent me any information, they do n't confirm that they are a collection company or that they are collecting a debt and are very nasty. I have no problem paying my debt, but it wo n't be before I have any written information. This is now destroying my credit, because it 's been on there for a year, and I have n't received anything in the mail. I really hope that you can do something about this company because they have tons of bad reviews and do n't seem very reputable.
Consumer complaint received 2024-11-30
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/year> at XXXX hours, I used an ATM located inside a XXXX branch at XXXX XXXX XXXX, XXXX, CA XXXX. I request to withdraw {$400.00} plus the {$3.00} transaction fee. The ATM did not dispense the cash while displaying a not working message on the screen. I notified the XXXX staff and security guard who verified the ATM was malfunctioning. The next day the confirmed the ATM technician came and discovered the AT M was out of money and did not dispense any cash. 
The ATM produced a receipt showing {$0.00} was withdrawn and a message saying WITHDRAWL TRANSACTION WAS NOT COMPLETED. I contacted Money Network, the prepaid card services which receives and disburses my CA XXXX XXXXXXXX XXXX They stated I would receive a provisional credit and the dispute would take up to 10 days to resolve. I completed the dispute forms ( CLAIM # XXXX ) and emailed back to them. They confirmed they received the forms. A few days later a supervisor advised the provisional credit was not a guarantee and the investigation could take 45-90 days to resolve. This was the opposite information initially provided. Its also completely ridiculous and egregious to not resolve a clear error and credit back XXXXXXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (CA)

I signed up for credit protection, a agent told me I can either fill out the forms mailed to me or email documentation I'm off work. So I emailed documentation stating I'm on XXXX, yesterday the agent said the email was not recieved. I emailed the documentation 5x again yesterday and again today. I took a screen show of the successful email Sent today for my claims foXXXX XXXX XXXX XXXX. I'm also attaching the doctor 's note... I. asking the company to rwapond directly to this complaint
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

I took advantage of a one-time online offer of {$1.00} ( plus tax ) to get my XXXX score from XXXX I thought I was being charged {$1.00} for this one-time score. However, XXXX signed me up for a monthly membership and charged me {$23.00}. I read through their online page and I never saw anything that said I was signing up for a membership. They did not e-mail me a receipt so I do n't have proof about this. After the charge appeared on my credit card, I telephoned them but they said that they would cancel my membership but not reimburse me for the difference. Apparently, many other people have had the same complaint about them XXXX. 

Their advertising of the {$1.00} fee is deceptive with the fine print being placed in a small font at the bottom of the page ( I have been told ; I did not see it ). Their offer should say clearly ( not in fine print ) that this is a trial, that the person agreeing to it will be signed up for a monthly membership fee if they do n't cancel within 7 days, and that they should send a receipt for the agreement which lists the conditions. None of these conditions were true with XXXX. For a credit agency that supposedly investigates bad financial behavior and fraud, their behavior is anything but proper and open.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (NJ)

The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing because of equifax non compliance procedure in regards to a inaccurate account XXXX XXXX XXXX Mortgage they continue to report and dont fix. I am beyond exhausted on trying to challenge this item and they not comply making it unfair to me and my future credit opportunities because of their inaccurate reporting. XX/XX/XXXX I challenged this item with equifax because they were reporting this account as a foreclosure but they reported this account still open. they reported the date of last payment XX/XX/XXXX but the account was reporting open. they reported a {$0.00} past due and balance but still open and showing as derogatory. XXXX XXXX reporting guidelines states that a redeemed foreclosure must be reported as paid. fast foward to XX/XX/XXXX XXXX I got a updated credit report on my credit monitoring because I can't rely on them sending me any updates regarding my challenge letter. absolutely nothing changed but the reported date that changed XX/XX/XXXX. to my understanding the reported date field indicates that's when the furnisher has verified all reporting information as accurate. if that is so then why are the same exact errors continuing to report? this account is not open. once foreclosed the account must be considered closed. if the furnisher was able to verify all reporting information as accurate then why is their reporting fields missing causing the account to not only be inaccurate but also incomplete. to my understanding when the credit reporting agencies prepare a consumers report they must follow procedures be sure that every reporting field is of maximum accuracy. these blatant errors are proof equifax is in non compliance and its not fair for me to be getting denied credit because of these errors. their improper procedures are causing my credit score and report actual damages and defaming my character and credit worthiness. I have given them a chance to fix these errors and they do not comply nor respond as they are required to do. attached find proof of their updated inaccurate reporting from my XX/XX/XXXX report. im not even going to begin how many inconsistencies I see between XXXX and equifax so ill let you be the judge when you view my report.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX & XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are 2 XXXX  XXXX  inquiries on my report one made on XXXX, XXXX and one on XXXX XXXX There is one account from XXXX XXXX  XXXX  made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX I did not authorize any of these inquiries.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXX, XXXX XXXX, CXXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2016-02-25
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc. (MI)

Hi, I purchased XXXX prepaid myvanilla debit cards with {$500.00} on each XXXX, in XXXX Mississippi on XXXX XXXX XXXX from XXXX. I activated XXXX of the cards immediately, I used said card and since the transaction went through I threw away the packaging and receipt from the cards. I do however have a witness that was with me when I purchased the cards who is willing to testify to this. The first card I activated, and used a few times, XXXX states someone else " claimed ownership '' of the card. I still have physical custody of this card so I have no idea how this happened. The second card I activated on XXXX XXXX, I used it once at a hotel in Mi that I have been a patron of for several years. XXXX XXXX XXXX, XXXX stated that card had been reported stolen. I am the only person with my card number and I did not report the card stolen. I have disputed these claims with XXXX, I have called them several times, I have emailed them, I have faxed them a complaint, all to no avail. If XXXX had returned my cash to me I could have gotten to work and only been slightly inconvenienced. I work for the XXXX and I travel the country, usually alone. I had a family emergency and I had fly to Mi. I left my vehicle XXXX miles away with the intention of purchasing a return flight when I arrived in Mi and could XXXX the family emergency in person. I earn a very modest wage, I do not have a savings account. The money I placed on the cards was the only available cash I had to my name. I am currently still stranded in Mi. I lost my job because of this situation, which cost me {$1600.00} in wages. I plan to also contact an attorney regarding this, I feel XXXX owes me not only the cash on my cards but also the wages I lost. I am XXXX miles away from my vehicle, my belongings and I 'm now out of employment. I appreciate any help you can offer with this problem.