davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C. (IN)

I am writing to file a complaint against XXXX XXXX XXXX due to their fraudulent practices In a lawsuit involving a debt.In the case, XXXX XXXX provided an affidavit of debt with incorrect information, including discrepancies between the affidavits stated opening date ( XXXX XXXX ) and the actual contract date ( XXXX XXXX ). I have previously requested validation of the debt, but they have failed to provide it.Additionally, I believe my signature on key financial documents may have been fraudulently misrepresented. As a result, I have sought to set aside the default judgement against me and am pursuing {$31000.00} in damages for these fraudulent actions.I would appreciate your assistance investigating this matter further.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I could not get access to my Transunion credit report so I could unfreeze it. It didn't absorb my password so I changed it. It let me b in after multiple attempts but would log me back out once I clicked on unfreeze my report. This happened continuously. I reached out through chat and it just kept sending links to log in again. I had to put in my SSN multiple times. Sometimes the full ssn and other times, the last 4 digits. The last time I put in my ssn, it sent me directly to chat instead of the supposed " second step ''. This just occurred today XXXX XXXX XXXX. I just need to unfreeze my report. It shouldn't be this difficult.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hi CFPB I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- Investigate disputes within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ).

Despite these clear legal requirements, TransUnion has negligently failed to comply.

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This negligence is a direct violation of the FCRA.

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has failed to properly investigate the issue, leaving the incorrect record on my report. Under 1681i, they are required to conduct a reasonable reinvestigation into disputed information, which they have negligently failed to do.

TransUnions negligence in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their negligent practices, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions negligence has harmed them as well.

Thank you for your time and attention to this matter. 

Thank you! 
XXXX
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VT)

I made a mobile check deposit to my account in XX/XX/year>. At the time of deposit, the notification informed me that {$220.00} would be available on XX/XX/year> and {$430.00} would be available on XX/XX/year>. As of today, XX/XX/year> {$0.00} of this deposit have been made available. 

I contacted Wells Fargo by phone on XX/XX/year> and was advised that the check was not processed by the check writers bank because of suspected fraud and that Wells Fargo would try to collect the check again on XX/XX/year>. They informed me to contact the person who wrote me the check and have them send funds another way. I contacted the check writer and they sent me the funds through XXXX. 

I contacted Wells Fargo back to make sure the check would not be processed again since the check writer issued the funds electronically to me. I was then informed that the check writer will need to place a stop payment on the check to prevent it from going through. 

Later that evening, the check writer contacted me to let me know the check that I deposited had in fact cleared their bank account. I then had to return the funds that were sent electronically and incurred a fee during this process. 

I contacted Wells Fargo once again to let them know that the check cleared the other persons account and inquired how the check could have returned as suspected fraud if it cleared the account. I was then informed that there may have been an error between banks when Wells Fargo tried to collect the money, however I will have to wait until XX/XX/year> for the funds to be credited to me account. 

Wells Fargo has arbitrarily placed a hold on my account and is refusing to release funds to me. The only information that has been provided in writing is that my funds would be available on XX/XX/year> and XX/XX/year>.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

I have or had a PayPal acct. which I used to purchase small items and also store cryptocurrency. My last transaction with cryptocurrency was XX/XX/XXXX when I purchased another XXXX XXXX for a total of XXXX XXXX. I was not watching it as the price was not changing much and I expected to hold longterm. I became aware there was a severe problem when XXXXXXXX XXXX ( not PayPal ) texted me asking if I had transferred {$17000.00} to PayPal. The text was dated XX/XX/XXXX, but I did not see it until XX/XX/XXXX. I replied " No '' and immediately went to my PayPal account and saw I had XXXX bitcoin, a batch of fraudulent transactions ( both XXXX outgoing and cash incoming to buy crypto ) and withdrawal from my Chase checking account, and alerted PayPal via " CHAT '' that all of these were fraud. I asked them keep my acct. frozen until this is sorted out. They unfroze my account and more fraud happened. I changed my password -but hackers changed it back to something else. XX/XX/XXXX via phone a PayPal agent told me my account was " permanently locked '' At that time the phone informed me I had some {$8900.00} in my cryptocurrency area ( stolen money it seems ). I have not been able even look at my account since XX/XX/XXXX due to my PW being changed by hackers. XX/XX/XXXX spoke to another PayPal agent on the phone : who says they will " unfreeze '' my account ( though I didn't ask that ) and also that there is another email attached to my account ( which I do not recognize ) but that that email was " blocked '' from doing anything with my account.
Consumer complaint received 2024-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Financial Systems, Inc. (MS)

I received a notification via XXXX XXXX that a company called Southern Financial Systems was attempting to collect a medical debt from me on behalf of XXXX XXXX XXXX XXXX in the amount of {$4400.00}. While I did receive healthcare services in XX/XX/XXXX, I was told I was put on a XXXX and did not owe anything. Moreover, I never received any itemized bills from XXXX XXXX XXXX XXXX before this debt was sold to the aforementioned collection agency in XX/XX/XXXX. In addition, I was receiving medical monitoring and therapy services from XXXX XXXX XXXX XXXX during the time period of XXXX where this supposed bill was never mentioned.
Consumer complaint received 2024-08-05
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. (TX)

In a letter dated XX/XX/year>, you were notified of inaccurate accounts on my credit report and many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have attached the dispute letter, which is dated, and time stamped. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2024-09-11
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. (IN)

Subject : TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect XXXX information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect XXXX  information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 
- XXXX : I filed another dispute, and on XXXX than XXXX hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 
- XXXX : I made a third attempt to dispute the XXXX  record. On XXXX at XXXXXXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect XXXX record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The XXXX record in question belongs to my father, XXXX XXXX, who has a similar Social Security number and previously lived at my address. I have never filed for XXXX, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (MI)

I c system XXXX XXXX XXXX XXXX XXXX, Mn XXXX To whom it may concern You have this account listen as an open account in the amount of {$790.00}. The original company has also sold this debit to your company with my personal information with out my consent. That is not under the FCRA compliance. This information that you are reporting Is inaccurate and needs to be removed immediately. Please send me a copy of my credit report when this issue has been removed.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (KS)

XX/XX/XXXX Mailing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( I don't feel comfortable giving putting my social on Chex Systems website ). 

Chex Systems Complaint XXXX : XX/XX/XXXX Phone : XXXX I, XXXX XXXX, hereby state the following is true : Today, I was denied the ability to open a checking account by the following banks due to information reported by Chex Systems : XXXX. XXXX XXXX  XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX I have been a victim of identity theft and have filed an FTC complaint ( # XXXX ) as well as several CFPB complaints. 

Here are five recent lawsuits filed against Chex Systems where customers won or reached settlements in XXXX and XXXX : XXXX. XXXX v. Chex Systems ( XXXX ) - The plaintiff filed suit alleging identity theft and improper handling of her case by Chex Systems. The case focused on the company 's failure to address the fraud appropriately, citing violations of various consumer protection laws. 

XXXX. XXXX XXXX Chex Systems ( XXXX ) - This case was filed in the XXXX XXXX XXXX for the XXXX XXXXXXXX XXXX XXXX. The plaintiff claimed that Chex Systems wrongfully reported his banking information, causing him to be denied banking services. 

XXXX. XXXX XXXX Chex Systems ( XXXX ) - In this case, filed in the XXXX XXXX XXXX XXXX the plaintiff alleged that Chex Systems inaccurately reported banking information, resulting in financial harm. 

While detailed outcomes of specific cases are sometimes not fully publicized, many of these lawsuits have resulted in settlements or rulings in favor of consumers, leading to financial compensation or the removal of negative marks from credit reports. 

These cases illustrate the frequent legal challenges against Chex Systems for misreporting and failure to resolve customer disputes effectively. 

I am requesting Chex Systems remove any and all negative information associated with my name or DOB. I have never had any delinquent accounts or issues in the past. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On or about XX/XX/XXXX I requested an increase of my credit limit to {$20000.00} on a credit card I have had since XXXX of XXXX. This request was denied because of a credit freeze on my account. The date of the notice from my XXXX XXXX was XX/XX/XXXX, account number assigned was XXXX. When I was submitting the request through XXXX on XXXX I was told the credit agency was XXXX. I immediately tried to login to my personal account with them, an account I have had since the early XXXX 's when a breach had occurred and I was offered the freeze capability. Since that time I have used the service quite often, temporary specific account, etc. 

When I attempted to login I was told that my login ID was an invalid email address. That address was XXXX that I had established through my XXXX when I lived in XXXX XXXX, AZ. When I moved to XXXX XXXX  I terminated my relationship with XXXX because of coverage. XXXX has advised me that I needed to keep the address active but without a login to them it was impossible. Earlier this year XXXX terminated my email account. 

A secondary issue complicated the matter because of a cell phone issue with my current carrier, XXXX. They refused to transfer my cell number and deactivated the cell number. 

These XXXX issues make login to my XXXX account impossible and complicates any attempt I might make to delete the previous obsolete login and establish a new account with them. I have since found exactly the same issue with both XXXX and TransUnion. In fact, all XXXX agencies have now added a security freeze on top of the credit freeze. I have not attempted to obtain a copy of my credit report but I believe the request would fail. 

As it turns out my wife has exactly the same problem caused by the exact same issue. She has tested her access and had the same result.
Consumer complaint received 2024-08-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (FL)

I obtained a car loan through XXXX and made monthly payments from XXXX XXXX to XX/XX/XXXX. This was the time of XXXX. In XX/XX/XXXX I started to receive an old age pension. I contacted Bridgecrest ( and also filed a complaint with the consumer financial credit bureau ) because I wanted to resume making payments. I received no response at all from Bridgecrest. In fact I did not hear from them until XXXX when they decided I owed them {$20000.00} on a cat that was worth {$13000.00}. 

They filed a replevin case against me ( XXXX XXXX ) to which I responded because I wanted to resume payments. I was working. While the case was pending in XXXX XXXX XXXX XXXX decided that they were just going to go ahead and take the car anyway without benefit of a court order, or judgement from the court. They just took it ( stole it ) in XXXX XXXX, XXXX. I had repeatedly told them I wanted to resume paying the loan.I even filed a complaint with the CFPB because of their lack of response. ( just like the foreclosure crisis ). 

I am XXXX, partially XXXX and being without a car is a hardship. They took it anyway. In violation of their contract which states judicial process OR self-help repossession. We were in judicial process. Of course then I lost my job. It turns out that Bridgecrest did not have standing as they are not the holder of the lien XXXX is. Bridgecrest simply took the payments and more than likely did not have the ability to modify the loan. They stole my car and are refusing to return it. I do have a pending court case. I am also seeking a lawyer. 

This practice of filing a court case, then grabbing the car and then filing a vountary dismissal is something they did over and over again.It is literally abuse of process. I reseached court dockets all over Florida where they did this. I guess some lawyer came up with this strategy and all of the bottom tier lawyers thought it was a good way to strip people of their property. Bridgecrest didn't even bother with standing. XXXX is the lien holder. Bridgecrest literally stole my car then demanded a {$20.00}, XXXX deficiency judgement on top of it. 

When they filed a voluntary dismissal the consumer had no choice or recourse except to sue them in another court case. Likely because they did not have money to pursue a court case Bridgecrest was able to get away with it. I was savvy enough to have responded to the case filing and had filed counterclaims. Because this was the time of covid no one was working. The judge issued a stay preventing Bridgecrest from selling the car. 

They filed a court case then just helped themselves to property without due process or right of ownership, or even a court order or a judgement from the court.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NV)

About XXXX years ago I reached out to Wells Fargo to see how I could pay on the principal. They told me to make multiple payments throughout the month to avoid paying more interest. That was not working so I contacted them roughly XXXX months ago and they informed me that the information I received was incorrect and that I needed to make my minimum payment on the due date and a second payment on the same day. I was told The second payment would all go to principal. So I did that and it worked for the first month, but the second month my separate payment went all to interest and Ive called them XXXX times to fix this and they keep giving me the runaround and wont apply my second payment to principal.
Consumer complaint received 2023-07-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
BK OF AMER XXXXXXXX
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-16
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. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.