davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (CA)

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX  XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2024-10-18
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: GOLDMAN SACHS BANK USA (NY)

The derogatory rating on my account is a serious issue. It's already led to a loan denial and higher interest rates on my existing credit accounts. This negative rating is causing me severe financial and emotional stress, which will continue until resolved.
Consumer complaint received 2024-10-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

I've moved out out of XXXX XXXX XXXX XXXX XXXX  6 months after begining of the lease agreement due to lost employment. They had a provision and a proper move out notice with the evidence of the lost job was given ( they required a printed notice to their office ). 

Their manager XXXX XXXX did a move out inspection with me the unit and said that I should wait for the security deposit check in mail. I've provided them my new address in different state. 

Instead of a security deposit, I've received a letter from collections agency in XX/XX/year>. It was a shock for me, because I never got an invoice or request for payment from XXXX XXXX. 

After contacting XXXX XXXX management. I've learned from XXXX ( XXXX XXXX XXXX ) that there were extra days of rent outstanding and that I'm not getting the security deposit back. Without arguing, I've agreed to settle hoping to resolve it quickly. I was told that I will get the invoice by mail, but didn't hear back for over a month. I've asked second time, after I learned that Collections agency hired on XX/XX/year> by XXXX XXXX that negatively impacted my credit score and declined my rental application and XXXX XXXX. I got the repo bill by email from XXXX on XX/XX/XXXX for {$610.00}, and I've sent the check to their office the same week as soon as I got the bill with instructions. Both XXXX and XXXX from XXXX XXXX office confirmed receiving the payment on XX/XX/XXXX. XXXX email with a confirmation about contacting the collection agency. 

I've called the collection agency in XXXX and provided all the evidence with emails to XXXX which she declined ( that I could have faked ) and asked for a confirmation that the check my XXXX was deposited. I can't provide such confirmation, but XXXX XXXX XXXX contacted them with the confirmation. The collection agency itself refused to help or contact XXXX XXXX XXXX XXXX XXXX. 
With a series of unprofessional calls continuing that feel like harassment without attempting to listen or resolve the matter. I've received another call yesterday from the collection agency, XX/XX/year> asking for XXXX XXXXXXXX payment. I've asked them to stop harassment and remove the collection record which I dispute because I've never received a bill/ invoice with the amount due until XX/XX/year>. Instead, they have hang up on me and I still have a collections record that causes me emotional and financial harm.
Consumer complaint received 2024-10-08
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 (FL)

I am writing to address Wells Fargo 's denial of my claim regarding fraudulent charges totaling {$590.00} on my account. Despite providing evidence of unauthorized transactions, my claim was rejected without a satisfactory explanation. I believe this decision overlooks the clear signs of fraud, as these charges were made without my knowledge or consent. I respectfully request a review of my case and reconsideration of the evidence I submitted to ensure that my rights as a customer are upheld. 

Thank you for your attention to this matter. 


The Date of Transactions were on XX/XX/2024 Was reported by phone on XX/XX/2024 when I discovered the charges
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (MA)

Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.
Consumer complaint received 2023-01-29
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. (NY)

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. XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
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)

This is my several requests to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2023-09-14
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. (ME)

Since XXXX of XXXX I have been trying to get accurate payment status of my auto loan. I am NOT 30 days past due. This is not accurate. I have requested this debt validated and they keep saying it has been verified. Most recently XX/XX/XXXX I got an alert they updated to paid current, and then today I got another alert that the account is 30 days past due. This is NOT accurate at all. Its unfair.
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

On XX/XX/year> Mohela deducted {$570.00} from my account. This was the incorrect amount. It was supposed to be {$100.00} on XX/XX/year> and {$470.00} on XX/XX/year>. I called repeatedly and uploaded my bank statement to show they money was deducted. They still have it listed as delinquent. On XX/XX/year> they did the same thing. They deducted {$570.00} from my account. It currently says I am {$1100.00} delinquent on my account. I have autopay. This shouldn't have happened. I have turned the autopay off for my XXXX payments. There is no answer from them on how to find my money. This is hurting my credit score because they say I'm delinqent when they are the ones who took the money and can not find it.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-02
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. (AZ)

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-23
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. (NJ)

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX  XXXX Account # XXXX ), with late payments reported for XX/XX/2024 and XX/XX/2024. As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

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.

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 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 XXXX  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 2018-07-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I used an American Express Serve Card, said to be secure and have Fraud Protection. It must be connected to a checking account to load money or one can load it at a store for a fee. On XX/XX/XXXX I received an email from AMEX Serve asking to verify that I changed my email address for the account. I had not so I called. Its diffi to get anyone to help you for this problem. I was in the phone with Serve as another purchase was made, all in Florida. 1st {$200.00} was loaded out of my checking account. The card had a balance. {$310.00} was taken. They said theyd open a case for me. 2 days later I received an email from them. They closed my account because I violated the agreement by committing fraud! What?!! When I called to discus they would not discuss it. They said their investigation is closed and there is NO one else to complain to, no where to write no one else to call and then the person hung up on me. I tried again with the same result. Please stop these people. This is a bad card with no protection. They are misleading consumers by stating that the card is secure. It absolutely is NOT! Also, they shut the card down and wiped the account from the stat. Now I can not see the transactions to file a report or to document. I do hope that something is done. This is poor customer service and fraud on their part.
Consumer complaint received 2024-10-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

XXXX XXXX : XXXX Replacement Card : XXXX {$500.00} I own a card that I bought with my own money. I exercised my EFTA / Regulation II PIN debit rights to use the card in good faith at local merchants, but InComm blocked the transactions and is holding my money without my consent.

I called customer service and asked for a replacement card. InComm sent me a replacement card but refused to activate it when I called in to customer service to activate the card, and even refused to provide identifying information about the card so I could locate any receipts or additional documentation. InComm reps refused to provide a timeline but indicated that it may take 30 days or more to get a working card. I did not get what InComm advertised to me : a working card that is accepted everywhere Visa/Mastercard debit card are accepted in the United States XXXX 

I want my money back and I want the CFPB/appropriate regulator to compel InComm not to block transactions in violation of Regulation II, or to promptly return all money, including purchase fees, to affected customers.
Consumer complaint received 2024-10-23
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. (MI)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX INQUIRIES : XXXX XXXX  XXXX  XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC (TX)

Me and my wife was treated in the charity program at the XXXX XXXX XXXX XXXX XXXX inside XXXX  Hospital since XX/XX/XXXX until XXXX XXXX, then came this collection from laboratory and different charges.I knew we never charged until we transfer to XXXX XXXX hospital.The charges came from the same hospital x rays and the lab were do not belong to the hospital and I do not know why they charge us because we have a letter that by XXXX   XXXX XXXX that our balance is XXXX.
Consumer complaint received 2019-10-22
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

UNAUTHORIZED ACCT XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TEXAS CAPITAL BANCSHARES, INC. (CO)

I opened a savings account with XXXXXXXX XXXX on XX/XX/2023. I saw them in a search for high yield savings on Bank Rate. I also looked them up online. 
Their online ad states " XXXX Offers Interest And Miles- Earn Miles And 4.75 % APY, Why choose one " I spoke with two customer service reps for XXXX regarding opening the account. I told one of them I was happy to find them because they pay a reasonable interest rate where my bank is paying only a fraction of a percent. I was opening an account that also ( I thought ) awarded XXXX XXXX miles in addition to the interest rate. 
Over the course of XXXX, I deposited a total of {$19000.00}, with several deposits. 
I checked on XX/XX/XXXX to see what my interest was that had accrued. There was nothing. I sent an email and asked how and when it accrued and when it would go into my account. I have not received a reply. 
I chose XXXX because of the interest rate and the miles. I am selling my home and will make a considerable deposit later this year and I am moving to an area where XXXX XXXX XXXX will come in very handy. 
After not hearing back, I decided to do a very deep dive into their website and after 20-25 minutes, found a deeply hidden and small print statement that the airline miles account does not offer a cash interest payment. 
I called today and talked to a representative who said I should have known based on the rest of the ad. I feel it is very unclear. I was NEVER told anything by either rep I spoke to when opening the account. It was not clarified that there was not both interest and miles. Nothing I signed told me this. 
I feel their ad is quite misleading. There is a BIG difference between " AND '' and " OR '' AND is in addition to and OR is choose one or the other. 
I asked that my account be changed to interest bearing and was told I'd have to handle it myself. They also are, so far, refusing to adjust my account as if I had opened the interest nearing account and not the mileage account. 
Customers should not have dig and dig into a website to find out the rules regarding an account they are opening. All aspects, especially those not normally considered by a lay person, should be clear, concise and obvious, and the representatives should make sure they have agreement with the customer before going forward. 
I've included the ad on the XXXX search as well as the info page from the website on the XXXX account. No mention of no interest accruing. 
Information on the account that it does not accrue interest is on the Privacy and Disclosures, Page 27, 10+ clicks to find.