davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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 2024-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

My social security number was compromised and an unknown individual attempted to open a new credit card in my name around XX/XX/XXXX. I filed a report with the FTC at identitytheft.gov and requested an Extended Fraud Alert be placed on my XXXX account. XXXX received the Extended Fraud Alert notice from XXXX and added an Extended Fraud Victim Alert to my XXXX credit report on XX/XX/XXXX as required by law. Equifax received the information as well on XX/XX/XXXX but they did not place an Extended Fraud Alert. Instead, they processed it as a dispute and removed any requests related to the fraudulent activity in XX/XX/XXXX. When the initial fraud alert I submitted was set to expire, I submitted a request for an Extended Fraud Alert directly with Equifax via mail in XX/XX/XXXX. As of XX/XX/XXXX, I had not heard anything back from Equifax and I still had no extended alert on my credit report. I was not sure if they had received my request, so I re-mailed it as Priority and Certified mail ( the request is somehow still in transit over a MONTH later, so I assume it was the initial request that they received ). Today, I received a letter stating they processed my request as a dispute, that the case was closed, and " the disputed item is not currently reporting on the Equifax credit file. '' I checked online and there was no fraud alert on my profile. I used the Equifax " FRAUD ALERT REQUEST FORM '' to request an Extended 7-Year Fraud Alert and submitted the required documentation along with it. I should not have needed to file a request directly with Equifax since they received the information from XXXX just as XXXX did. And there is no way that Equifax should have been able to misunderstand my request since their Fraud Alert Request Form does not have an option to request a dispute.
Consumer complaint received 2024-09-17
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. (MS)

I XXXX XXXX am a natural person submitting this dispute. This dispute is not being submitted by a third party. I submitted a dispute letter to Transunion because they have violated my consumer right to privacy according to the law 15 USC 1681e ( b ) regarding a bankruptcy on file. I submitted a letter addressed from the United States Court that stated that do not report data to the credit bureaus or any third party agencies. Transunion has ignored my efforts to remove this information from my credit file. Transunion is receiving their information from a third party company and has failed to do their due diligence to make sure my credit report is 100 percent accurate not negating the fact that they have completely violated my consumer rights to privacy being that XXXX and the United states courts do not verify information and it is the responsibility of the credit bureaus to make sure the information they publish on my credit report is100 percent accurate. simply matching a name and part of a social is not verifying information and doing their due diligence..
Consumer complaint received 2023-11-20
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. (CA)

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. 

Account name : # 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 an 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 2024-09-17
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. (GA)

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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Description of What Happened : Missing Deposit Claim XX/XX/XXXXXXXX XXXX XXXX Claim Number : ** XXXX - Date of Claim : XX/XX/XXXXXXXX XXXX XXXX XXXX Amount : {$17000.00} missing deposit - Action Taken : I filed a claim regarding a missing deposit of {$17000.00} that was originally made on XX/XX/XXXX, which was erroneously processed as a {$15000.00} withdrawal. This totals {$32000.00}, including both the missing deposit and the unauthorized withdrawal. The withdrawal slip provided by Wells Fargo was filled out incorrectly ; my name is not fully spelled out ( only the first letter of my first name is included with my last name ), it is not in my handwriting, and my signature appears twice on the slip. 
- Status : The claim was denied, with Wells Fargo stating that no errors were found regarding how transactions were posted to my account, despite the discrepancies in the withdrawal slip documentation. 

Multiple Fraud Claims XXXX XXXX Total Amount : Over {$30000.00} in fraudulent digital transactions. 
- Action Taken : From XXXXXXXX XXXX XXXX XXXX opened multiple fraud claims regarding digital transactions totaling over {$30000.00}. These claims were ultimately denied, with Wells Fargo stating that I allegedly had the card in my possession and that the transactions fell within my normal spending patterns. However, the fraudulent transactions were digital, and I reported them to Wells Fargo when they occurred. The debit cards were deactivated, and I was issued new cards. I made minimal to no transactions on my debit cards. Despite reporting these issues, I still have not been reimbursed for the fraudulent charges. 

Inadequate Response and Customer Service - Date of Wells Fargo 's Communication : XX/XX/XXXXXXXX XXXX XXXX XXXX Summary : The investigation and communication from Wells Fargo regarding these claims have been disappointing. I have consistently expressed my dissatisfaction due to their failure to adequately address the specific fraudulent activity I reported. In their letter dated XX/XX/XXXXXXXX XXXX XXXX  Wells Fargo stated they would close my cases without addressing my claims for monetary compensation. Furthermore, I have not received a satisfactory explanation for the unlawful denials of my fraud claims. 

Request for Action : Given the lack of satisfactory resolution, I hereby request that the Consumer Financial Protection Bureau ( CFPB ) conduct an investigation into Wells Fargo 's claims handling processes and their customer service practices. I believe their responses to my claims do not comply with consumer protection regulations and fail to provide adequate justification for the denial of my claims concerning unauthorized transactions.
Consumer complaint received 2024-09-25
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: DISCOVER BANK (CA)

I am writing to file a formal complaint against Discover Financial Services regarding serious discrepancies and mishandling of my account. 

I have requested that Discover stop reporting to the credit bureaus due to an inaccurate balance they claim I owe. This inaccuracy stems from multiple fraudulent charges on my account, which were not appropriately managed. When I reported being a victim of identity theft and a data breach, Discover failed to file a fraud claim instead, they incorrectly classified my situation as a billing dispute. 

Despite providing police reports and evidence of the data breach, no one has reviewed the over 140 fraudulent charges that were logged. My credit card account is now closed and pending charge-off, which is significantly harming my credit score. 

Moreover, Discover has charged me for transactions I had already paid, leading to a further inaccurate balance. This situation forced me to cease payments, as I can no longer trust the integrity of my account. 

I have previously submitted a complaint to the CFPB, but my concerns have continually been closed without resolution. I urgently need assistance in addressing these issues. I request that a representative from Discover contact me directly to review my transactions and rectify the inaccuracies so that I can reopen my account. 

Throughout my time with Discover, I have always made timely payments and have never missed any obligations. As a victim of a data breach, I am concerned about the numerous digital fraudulent charges that were not handled properly. 

Thank you for your attention to this pressing matter. I look forward to a timely resolution.
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION (ID)

I made XXXX a month extra on my mortgage payments I asked it to be applied to my prinsible instead they held the money untill it reached XXXX my payment amount and applied it as a payment with escro and interest taken out so I should be several months ahead on my payment but no I was XXXX say late on my payment and I was charged a late fee then I started making payment every XXXX weeks so I wouldnt be late again but if my payment on say XXXX and XXXX th they would charge a late fee even know I was paying XXXX more than my payment amount and they are still holding money for XXXX month till it adds up to a payment the. Putting towards a payment instead of to principle like I asked
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc. (TX)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/year> : Collection account from XXXX XXXX XXXX with account # and a balance of {$XXXX}. 
The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof of the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2024-07-16
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (VA)

I am a longstanding customer of Wells Fargo. Over the last XXXX  years - their service has grown increasingly bad and my most recent experience was the most frustrating yet. 

I have had a checking account with them for many years and I don't use it as a primary - years ago I had a stock account where I would move money in. I called them to have my XXXX  removed from the account last month- to which they said XXXXwe closed this account '. I asked why- and they said due to lack of activity. 

I haven't received ANY communications from WF saying " If you don't do something with this account - we are going to close it ''. The worst part is they told me they sent it to the XXXX XXXX ' department- which is insane... This property was not unclamied - it literally has an owner... ME! They didn't call - text - or email letting me know that I needed to take an action. While my account balance was only {$10.00} you can imagine how many other accounts get sent to unclaimed - and the consumer who doesn't get notified is getting their money taken away. 

This is completely predatory behavior and needs an investigation. I want to know how many accounts they have sent to 'unclaimed property ' over the last few years and how much money they profited from this practice.
Consumer complaint received 2024-10-14
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: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX, I booked the round-trip tickets from XXXX to XXXX on XXXX XXXX XXXX XXXX with the booking reference XXXX, and there were 2 flight changes before departure for these two tickets. Hence, I called XXXX XXXXXXXX XXXX customer service and they told me it was free of charge to refund the tickets but I had to submit a refund form on their website as these tickets were issued by their office in XXXX. After I submitted the from for the reason Involuntary Flight Change, XXXX XXXX never reached me at all, but after a week, they took it upon themselves to modify the refund reason to voluntary cancellation in order to charge me with XXXXXXXX XXXX ( in XXXX currency ) cancellation in total. Hence I submitted two seperate disputes at american express 's site and XXXX XXXX  each. I also sumbit the proof to American Express, which clearly shows that XXXX XXXX was lying about the ticket refund reason. However, American Express just IGNORED all the proof I submitted after XXXX XXXX just showed them my ticket was canceled without any explanation. As a result of which, american express rebilled XXXX XXXX  ( XXXX XXXX  twice ) cancellation fee to my account.
Consumer complaint received 2024-10-09
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc. (MI)

Whoever is trying to collect balance for Commenity Capital Bank for Ulta called someone from my family who I have been no contact with since the death of my grandmother. As someone with XXXX XXXX XXXX ( Ill even provide documentation ) this has put me in an extremely uncomfortable spot to give permission to this family member to talk to me for this reason. 

She is NOT even a XXXX friend. She doesnt share my last name. I dont know how they even knew she was a relative. This feels like an invasion of privacy and I am NOT happy about this at all.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CO)

I had a policy with XXXX and suddenly they started charging me more based on false information like someone else using my car this is not true and called them to figure out this stuff but they were playing with my statement
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rausch Sturm LLP (CA)

Stop contacting me. I have no access to a bank account. I was threatened with arrest when I went to the bank to try to unblock the account. This is bank failure. For the XXXX time, send communications here : XXXX XXXX /XXXX stop XXXX contacting me. I don't have a bank account and it is impossible to make payments or pay for whatever small claims XXXX you are filing. I have XXXX dollars. XXXX. No bank account. Get it? Bank failure. XXXX. You are harassing me. I've told you to contact the attorneys multiple times. Stop. Contacting. Me ... XXXXXXXX XXXX
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX-XX/XX/2019 I attempted to activate a Capital One credit card that was offered to me via regular mail. When I called the number to activate the link did not work. I called the number at XXXX to activate card only to be told I was speaking to the fraud department. They requested my full social security number and photo copy also, a copy of my Ohio driver 's license front and back, and after all of that, called at XXXX XXXX, XX/XX/2019 requesting a copy of a utility bill for proof of residence which I refused to do. I have credit monitoring which currently shows no suspicious activity related to my private affairs. I now feel this might have been some type of scam and I am very worried. Why would they offer me a card, only to request information that they should already have.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/year> I wrote Bank of America and told them to stop contacting me by specifically using the language in section 805 ( c ) of the FDCPA that requires all communications to cease and desist. I sent the letter certified mail and it arrived on XX/XX/year>. 

I just received a letter from Bank of America today, ( XX/XX/year> ), that is dated XX/XX/year>. This is a clear violation.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America sent me a single piece of paper in the mail stating I owed them money. They did not disclose that it was an attempt to collect a debt. I then asked for verification and validation and did not receive anything from Bank of America.