davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct these accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00}
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, XXXX XXXX. I am the owner of a XXXX XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX. The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over XXXX XXXX, XXXX XXXX XXXX was one of the companies in XXXX XXXX that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. 

Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( Trans Union, XXXX and XXXX ). 

On Monday, XX/XX/XXXX, I received a message from Trans Union indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone XXXX
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (CO)

For over a year I have been dealing with billing issues between XXXX XXXX and XXXX XXXX complete. There was a constant issue where XXXX would not pay on the savings card and I would get a bill from XXXX and have to call XXXX and back and forth and I just stopped taking the medication and suffer with my illness because I was afraid of billing issues would escalate. 
Well here we are XXXX refused to talk to me about why they are doing the charges. I filed a XXXX XXXX XXXX complaint and they would not respond to that. Instead they sold my debt to Credit Management Company who is now saying they're taking me to collections. 

I have the XXXX  complete assistance card that is supposed to pay everything. Everyone has been guaranteeing me the whole time that I never have any out-of-pocket cost for this. Now I'm being taken to a collection agency for almost {$4000.00} by XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (IL)

I'm repeatedly being contacted stating that I owe XXXX XXXXXXXX XXXX ( Account no. XXXX ) a balance of over {$7000.00} which is completely inaccurate and false. The only relationship I had with XXXX was 3 years ago and I closed that account 3 years ago with a {$0.00} balance. 

This collection agency is using false tactics to make me pay for a balance that I don't owe and is trying to repeatedly contact me during office hours. 

XXXX. I firstly would like to know if an attorney has reviewed the balance for the account that Capital Management Services , LP is trying to collect. 

XXXX would also like to get details of the contract including date of opening, my signature and any other information that could validate the debt. 

XXXX. I would like to know what other personal information the company has acquired without my permission. I do not have any contract with Capital Management Services , LP. 

The company is trying to collect this debt from the past 30 days and I requested to validate this debt and asked them to stop contacting me. I have not received any response regarding the validation of debt. I would still like to give the company XXXX weeks from now to help validate the debt and if not, I would request the company to cease all collection activity and also prevent the company from selling the debt further to any other agency. 

I had reviewed details about this company online and was shocked to see all the negative reviews and how this company uses extreme false tactics to collect a debt. I also read reviews stating that the company silently files a lawsuit against you in the hope that the court automatically gives a judgment against you which is completely unethical.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

In late XX/XX/XXXX, I applied for a XXXX XXXX XXXX XXXX XXXX Airlines XXXX XXXX The AA website promised XXXX bonus AA miles if I spent {$10000.00} within the first 3 months, which I did. Citi only gave me XXXX miles. 

I called Citi on XX/XX/XXXX and asked for the missing XXXX miles. On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX denying my request. 

I phoned Citi on XX/XX/XXXX at XXXX PM and spoke to an agent, and then a supervisor. My request for the additional XXXX miles was denied. 

I interacted with a chatbot on the XXXX XXXX website beginning at XXXX PM on XX/XX/XXXX. Again fruitless.
Consumer complaint received 2024-07-22
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)

ACCORDING TO 15 USC 1681XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WV)

I mobile deposited a check on XX/XX/2023 and was told the money would be available in my account {$190.00} on XXXX XXXX. I checked my account early in the morning of XX/XX/XXXX and my deposit was in my checking so I paid two bills and made a couple purchases online. I make it a habit to check my balance every morning and evening. On XX/XX/2023 I checked my account balance and found out that Wells Fargo pulled the deposit back out of my checking account and I now have a negative balance but they didn't take the entire amount I deposited they only put me negative what was left in my checking account. How can they get by with depositing the money in my account for XXXX XXXX hours and only take what I didn't spend back out? I believe my account is negative {$94.00} dollars and some change.i filed a complaint and nothing was done by XXXX at Wells Fargo. XXXX said he checked into the matter and they were not putting the money back into my account. In some way everything about this situation screams illegal! I'm going to push this if I have to hire an attorney. Wells Fargo should have go put the money back into my account. Any assistance will be greatly appreciated and if you can direct me to where else I can file complaints please.
Consumer complaint received 2024-07-04
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. (CA)

I am a victim of identity theft and there is an account on my credit report for XXXX XXXX for {$34000.00}. I have provided a copy of the Federal Trade Commission identity theft report, which I will attach to this complaint, and I have made every attempt to communicate with XXXX XXXX, and the credit agencies. Its also come to my attention, which neither of these two accompanies are willing to acknowledge or even discuss XXXX XXXX has a drivers license on file that starts with the Y, However, my drivers license starts with W this is solidified proof that this is a fraud account, but they wont remove it or block it
Consumer complaint received 2024-07-08
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

In 2020, the group that also " works '' at Chase bank ordered a death hunt on me.

I nearly died. And I was temporarily declared dead.

Chase staff used this opportunity ( or did they create it? ) to impersonate me to receive a large inheritance.

To my last complaint, they responded with a letter with completely made-up false statements. No, I did not receive a Cashier 's check from Chase, and I invite them to show evidence of where it has been cashed in. 
https : XXXX Interestingly, the file name format follows the exact same pattern as other police-reported involved institutions, for instance, " XXXX XXXX XXXX. '' Furthermore, I would like details on the account that was allegedly closed in XXXX Who closed it? Why? Please provide the transaction history. 

My account is open, and it has over XXXX Million USD on it. 

I'm in a homeless shelter, and I've been told by Chase employees that I'd die from no money. 

The " bank '' already lost their banking license, because they do not just try to murder me and steal my account. Every banker can see that Chase has no banking license. Every IT person can see that they're now operating a spoofed website, because their website has been taken down. A simple traceroute does the trick. 

I need my OPEN bank account back, with my over XXXX XXXX USD. 
Please see XXXX for details and tons of evidence on this group. 

It follows the same pattern as the XXXX Bank theft, where you will find evidence, such as calls, communication, and more.
Consumer complaint received 2023-08-27
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. (FL)

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 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (SC)

My name is XXXX XXXX and I went into Wells Fargo on XXXX XXXX to deposit a check. I had my debit card on hand and I have an account in good standing for the last 1012 years. I walk to the teller And presented my check she looked at the check and asked me did I file my taxes myself. She then went and got a manager and the manager then went with her to go verify the check which is reasonable after 20 minutes they came back they came Back and proceeded to tell me that my check was likely fraudulent and they had to do more verification. I told them thats what the deposit hold Time is for. The two ladies went and gathered another lady and they stayed at the computer another 30 minutes or so Looking over this check. The manager proceeded to come over and asked me did I have any papers saying that this check was valid and I told her no because it was a federal check and they dont come with paper attached. she then proceeded to go back to the computer flipping the check over holding it up to the light trying to verified Ive had an account with Wells Fargo for the last 12 years she knew who I was and my account is in good standing, and I had my debit card in the process of verification that was unnecessary. She then proceeded to come back to me and asked me again do I have any papers validating this check which is totally embarrassing because people are watching this whole thing out as if Im not even paying or a customer I told her do you want to see my tax records shes in stated yes in the middle of the bank lobby and I had to pull up my XXXX XXXX  and show her that the IRS had tried to deposit that money several times and the account was closed because they all did my taxes and it took them about a year to get it to me and it had attached because they kept it so long, which was none of her business and I had to pull up my tax paperwork. I asked him to pull up the computer so they can see that or ordeal play out and yet they just blew me off saying that that was justified invalidating other chick and because the participants were XXXX and XXXX it couldve been discrimination and that is the last legal case states that discrimination has been validated intra race also This is my second time they told me to send a settlement demand letter, which I did and they completely denied it and sent me a letter for mediation. I dont understand how they can see that on camera otherwise validated and necessary from a paying decade long customer. Crazy thing about this entire deal is they denied that for me but when they got sued for the false accounts, they created three fake accounts in my name that I got paid for and the last class action that they had because they created fake accounts but the scrutinized paying customers as if were the criminals is ridiculous.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (LA)

After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX ), XXXX  XXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

I am very upset that Synchrony Bank is reporting an account on my credit report in duplicate. It is the same account illegally reporting in duplicate stating that I owe {$1400.00} on XXXX and {$1600.00} on the other. I have only XXXX account with a balance of {$1400.00}. 
I have a balance {$1400.00} with Synchrony Bank/ Pep Boys and any other account or balance reporting should be REMOVED as any other account is False. 
( Screenshot Attached )
Consumer complaint received 2024-05-31
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. (MN)

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 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.