davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (PA)

Good morning, I'm not sure how to go about getting these hard inquires removed from my credit report. A car company ran my credit numerous times after I said I was using my Credit Union. 

Here is the info : ALLY FINANCIAL Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Additional details : Business type : Auto Financing Companies Contact info : Address : XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Thank you so much!
Consumer complaint received 2023-09-27
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. (FL)

XX/XX/2023 Chase Dispute Center Dispute XX/XX/2023 XXXX XXXX {$2600.00} Let me outline why I am disputing this charge : 1. XXXX XXXX at phone number XXXX as identified on the original credit card charge is no longer the company as named but is now calling themselves XXXX XXXX XXXX. I found this out after googling the phone number 2. When this entity contacted me originally they were selling me a two year subscription for my XXXX XXXX XXXX. A software that I have used for many years. 
3. Approximately a month later I contacted XXXX XXXX, the legitimate company, to ask why my software updates were not occurring, and they indicated to me they have absolutely no association with the entity that contacted me, and secondly XXXX does not offer two year subscriptions. 
4. I have NEVER received and goods or services or software from the XXXX XXXX company that processed the fraudulent {$2600.00} charge on my Visa. I also never received any kind of communication or receipt from this entity. They obviously scammed people into thinking they are the legitimate software company. 
5. I continue to attempt calling XXXX to follow up on my conversation with XXXX in their offices who indicated a month previously I would be getting a refund. I have texted through their website, with no response, Ive attempted calling the XXXX number indicated on their website with no answer. Ive left messages, with no response to date. 
Thank you.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-02
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC (CA)

Scott & Associates has filed unsubstantiated lawsuit on behalf of client XXXX XXXX XXXX XXXX ( XXXX XXXX ) as an attempt to collect an alleged debt. I have never received any debt validation request or any notification this information was legally acquired from their client. In fact, this exact alleged debt was previously disputed directly with another debt collection company and subsequently removed from consumer reporting agencies and my information from that company files ( screenshot attached of account prior to removal ). How, when and why XXXX XXXX has received any personal information of mine is unbeknownst to me and the legality of that acquisition is in question. This attempt to collect unvalidated, unsubstantiated debt by way of legal proceeding is a direct violation of 15 U.S. Code 1692g a & d.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC. (DE)

I was never given notice that my car would be repossessed. I was never given notice of the date my car would be sold at auction. I was never given notice the amount my car was sold at auction. I was never refunded money for my auto warranty and Gap Insurance. Balance showing is {$26000.00} which is incorrect.
Consumer complaint received 2024-07-02
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: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to seek your assistance with a matter concerning Wells Fargo Bank. Despite my efforts to resolve a dispute through the banks designated channels, I have encountered a series of challenges that suggest a deliberate neglect of my case. 

After initiating a dispute on XX/XX/XXXX and today I provided all necessary evidence to support my claim. However, instead of processing my dispute, Wells Fargo Bank has repeatedly requested that I call back and resubmit the same evidence, which I have already provided. This cycle has been ongoing, and each time I am assured that my evidence will be reviewed, only to be asked for it again later. 

This pattern of behavior from Wells Fargo Bank is not only unprofessional but also feels like harassment. It appears to be an intentional tactic to delay and possibly deny the resolution of my dispute without just cause. 

Therefore, I am turning to the CFPB to request an intervention in this matter. I believe that Wells Fargo Banks actions are in violation of fair dispute resolution practices, and I seek your guidance on how to proceed to ensure that my dispute is handled appropriately and justly. 

Enclosed, please find copies of all the evidence and correspondence I have submitted to Wells Fargo Bank thus far. I am hopeful that with your involvement, this matter can be resolved swiftly and fairly. 

I look forward to your prompt response and thank you in advance for your attention to this urgent matter. 

Sincerely,
Consumer complaint received 2024-06-26
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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)

When I reviewed my Credit Report there are still erroneous accounts that are included in my file. I sent a complaint earlier this year specifically on XX/XX/2023, to dispute these accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-06-26
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. (LA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : - XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$25.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$2300.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I made a payment in full for the loan amount on XX/XX/year>. However, as of today, XX/XX/year>, the payment has not been applied to my account/loan. My account continues to incur interest and is in forbearance. I have called Mohela every month and spoken with a representative. Each representative has confirmed they see my payment in their other system. However, they have not applied that payment to my account. I also sent on XX/XX/year>, my bank statement as proof that the full loan amount was submitted and accepted by the Department of Education. I was reassured by the representative, XXXX, a manager in the Resolution Department, that the payment would be applied to my account by the end of the week and an official letter would be sent to me as a confirmation. I have not received either and I continue to receive notification in their system regarding what I owe. It is not legally right that Mohela/Dept of Education has taken my payment but not applied it to my account. I want this resolved. I have applied to XXXX XXXXXXXX and the ramifications to my future goals and career are in jeopardy because of this. If I do not receive a timely response and resolution and I will begin legal proceedings.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (SD)

On XX/XX/2023 I ordered {$2000.00}. from my debit card to be picked up in XXXX XXXX from my Moneygram account. I received a conformation but on the top it said " After careful review, your profile is closed and transaction declined ''. It had the authorization no. XXXX saying pick up cash in minutes. I went on Chat with the company and they would not tell me why my account was closed. To go to the local office in XXXX XXXX. I called their XXXX number and again they would not tell me why my account was closed. She said it was for my protection. Both the chat and the call told me to go into the local office and place the order. I went to the local office in XXXX XXXX XXXX XXXX and was told I could not place an order for money from the XXXX to XXXX XXXX, but could only send money out of XXXX XXXX. The office called moneygram and handed the phone to me. The first person I talked to said so sorry go to the local office, after I had told her I was at the local office. I asked for a supervisor and after some time the supervisor came on the line. I explained the situation again. She would not tell me why they closed my account or help me at all. I told her that I had been told 4 times by different people to go to the local office to place the order for the money and I was at the local office and they said they can not do it. No help at all. Now I had to pay a taxi both ways and now have to pay even more money to transfer directly from my bank or get from my credit cards. Moneygram is a very bad company with people who don't know what they are doing. And do not help resolve the issues.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I made a deposit of a tax refund check through online banking and they held the check for 8 days without telling me anything except that the funds would be available on XX/XX/XXXX when I called on XX/XX/XXXX to find out what was happening Since I received an email saying that my cell phone number had been removed from the XXXX and my online banking would not let me log in, then they told me that they detected fraud and that is why they closed the account, I called the IRS and they explained to me that they did not There was no type of problem with the check and that Bank of America had not contacted them to corroborate the information on the check. Emotionally, I feel anxious because this was unfair and was not investigated well. I have not committed any fraud. I am a humble but honest person.
Consumer complaint received 2024-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

MOHELA is my loan processor currently. My payments are due the XXXX of the month. I get paid the first of the month and always pay when I get paid. I got notice today that my XXXX payment is late. My bank processed payment on XXXX This will affect my forgiveness count ( this is my last payment for my XXXX year total ) as well as my credit. I have not been late in paying my student loans for the past XXXX years.
Consumer complaint received 2024-06-27
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I normally go to the bank with my debit card and withdraw {$600.00} off it only charge me XXXX dollars now every since I moved to this XXXX  area they charge me XXXX dollars I went to the bank today XX/XX/XXXX and I withdraw XXXX $ off my debit card but in the process I asked the teller what was the charge for the cash advance off my card and he said nothing. So I asked to speak to the branch manager because clearly something is not rite I have been charged XXXX XXXX XXXX dollars everytime she go upset grabbed my documents an tossed them back to me stating that I was not a bank of America account holder and she refuses my service but the teller had already completed my transaction so she had to give me my money, as I asked her why was she so upset when all I was doing was inquiring about the extra charges that was applied to my account from her store I felt very disrespected. XXXX XXXX u charged me XXXX dollars to take out XXXX $ XX/XX/XXXX u charged me XXXX dollars to take out XXXX XX/XX/XXXX XXXX u charged me XXXX dollars to take out XXXX $? XX/XX/XXXX XXXX pending from my account to bank of America?
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Transunion and XXXX has improper information. XXXX has removed this account from my credit report for inaccurate reporting. 


It states i owe nothing for this loan and yet it is still reporting as late??? not possible if i do not owe anything. 

it also shows Transunion states its closed while still adding late payments and XXXX shows transferred while still reporting. 

I OWE {$0.00} ITS REPORTING IM LATE WITH TRANSUNION AND THATS IM OKAY WITH XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows 60 Days past Due. 
I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is JPMCB CARD SERVICES
Consumer complaint received 2024-06-21
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX AUTO XXXX Balance : {$36000.00} CAP XXXX AUTO XXXX Balance : {$37000.00}