davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-07-14
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. (TX)

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 XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
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. (DE)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

Dear CFPB, I spoke with XXXX at Capital One ( Employee ID # XXXX ) on XX/XX/XXXX who was unable to resolve my issue. 

I am writing in response to my credit card accounts that were closed in XXXX. Before my accounts were closed, a Capital One representative promised that I would be able to redeem my rewards at any time and that I had nothing to worry about. However, when I called in the redeem the rewards, I was not allowed to do so. I attempted to redeem my rewards online and that failed too. 

I had {$4700.00} unredeemed rewards cash on my CapitalOne Quicksilver Card ( Credit Card Number : XXXX XXXX XXXX XXXX ) against a balance due of {$3500.00}. 

I had {$2700.00} unredeemed rewards cash on my CapitalOne Quicksilver Card ( Credit Card Number : XXXX XXXX XXXX XXXX ) against a balance due of {$1300.00}. 

Because I was unable to redeem my rewards to pay my balance due, CapitalOne pushed my accounts into over due status. CapitalOne charged me interest on both of my accounts amounting to hundreds of dollars for late payment. 

I was charged {$290.00} in interest on my card ending in XXXX. 
I was charged {$140.00} in interest on my card ending in XXXX. 

In short, CapitalOne broke its promise to me as a customer. Capital One seized my no-hassle rewards. This pushed my card balances into late payment status. And Capital charged me interest that it had no right to charge me. 

I had no choice but to pay the balance and the unearned interest, because CapitalOne threatened to report me to the credit agency. 

As a XXXX XXXX XXXX and a XXXX  without easy access to credit, I feel I have been taken advantage of. CapitalOne is a bank run by a privileged XXXX  male, who took advantage of me and abused his power to turn a profit and broke its promise to me as a customer. 

I would like CapitalOne to honor its promise to me and send me the rewards cash in the amount of {$7500.00} plus refund me the {$430.00} interest that CapitalOne charged me that CapitalOne were not entitled to. 

I have attached screenshots of the final account balance and rewards cash of each account. I have also attached statements showing the monthly interest charged to me to which Capital One was not entitled.
Consumer complaint received 2024-06-07
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. (AL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PR)

cant lifta security freeze, I did it online but still freeze.They refuse to solve the problem as Today. this company is a mess with people.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible 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 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
Consumer complaint received 2023-08-08
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is refusing to remove four fraudulent charges on my credit card, which are totaling {$120.00}. The four charges were placed there by " XXXX ''. I have informed Capital One that these charges are fraudulent on numerous occasions. The charges occurred on the following dates : XXXX and XXXX. I have prior documentation that shows I informed Capital One that all these charges are fraudulent. 
Importantly, according to FTC Law, Capital one must provide me with documentation and proof that these charges are valid if I ask for it and also provide me the details of their investigation. According to FTC Law : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why, and provide copies of documents that prove you owe the money if requested. '' The preceding statement is from the FTC. 

I would like Capital One to provide me with this documentation, which is required if I ask for it according to FTC Law. To be clear and underline this point further - the only thing Capital One should provide in their response is the proof and evidence that these charges are valid, which they are required by law to provide if requested. If Capital One feels they have provided this evidence already ( they haven't ), then re-attach it in their response. Capital One is violating the law if they do not provide the proof of these charges that I am requesting. This clear request is in a written and recorded format here. Once again - provide the documentation that proves that these charges are valid in your response.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I am asking you for your assistance with my mortgage loan that is being serviced by Wells Fargo. Since I became delinquent on my payments, they have not once allowed me to apply for mortgage assistance. I find it unfair that we bailed them out when they were in trouble last decade, but they have turned their backs on me and I see on line at ton of other homeowners. I believe that we should have allowed them to fail, as it is clear that they did not learn their lessons in how to service loans and treat homeowners. I went through some rough times financially a few years ago, but I am now in a very secure situation financially and want to start making my mortgage payment. However, Wells Fargo has not lifted a finger to assist me, nor have they assigned someone to help me through the process. Instead, they are marching forward with the foreclosure. They did give me a modification many years ago and that went very smoothly. This time is a completely different story and the end result of their lack of action will be a foreclosure sale of my home. I suffered through a year of unemployment starting in early 2018. I did my best to make whatever money I could while I was seeking permanent employment, but was forced to miss my mortgage payments. When I spoke with their representatives to advise that I had lost my job, they were ambivalent and did not allow me to apply for mortgage assistance. I believe they should have worked with me and offered me an unemployment modification, forbearance or other workout option to help me work through my delinquency. However, Wells Fargo never allowed me to attempt any sort of review for retention options and I can not get a review for assistance initiated. This is unfair and I believe that their only intention is to capture the significant equity I have in my home and kick my family into the streets. I find it unfair that my loan is being kept from assistance review that could help my situation ; while I have sleepless nights wondering what is going to happen to my loan.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MI)

On XX/XX/XXXX XXXX XXXX took XXXX out of my account when I had an existing arrangement. Reached out to Chime the same to dispute. They told me I had to wait until it was fully processed which took 3 days. I reached out and submitted the claim on the XXXX on the XXXX. I did not provide documentation at that time. The claim was denied on XX/XX/XXXX. I requested information on why it was denied and was provided a call log composed by the service rep which was i inaccurately transcribed. I reached out the same day and added documentation with the merchant on the payment amount and date of arrangement. The claim was again denied. I reached out again on the XXXX and they asked if I wanted to open it again a provide documentation again. I did so again and the claim was denied again and I reached out again to request documentation on why.
Consumer complaint received 2015-07-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

In XX/XX/XXXX I was legally awarded a property that was financed through Nationstar Mortgage following a divorce. It was stated in the divorce decree that I was legally responsible for the mortgage loan yet the mortgage company continues to refuse to speak with me regarding this account. I had to eventually refinance this property through a different financial institution because of all the problems they gave me. I have been trying to get an escrow check from my account after they tried to send it to my ex-husband but it was returned via return mail in which they then called my cell phone asking if I could provide a sufficient address for them to send him MY escrow check ( which I feel should actually illegal for them to do since I have submitted legal documentation that he has no financial or legal interest in the property and I had been making all payments on that loan since my divorce decree held me responsible for the loan ) but each time I call they transfer me to someone different, request several different documents to be sent over and then say it will take up to 10 business days to process those documents. I can never speak to a supervisor. I was given a supervisor XXXX XXXX email but he never got back in contact with me after sending him a quitclaim deed and my divorce decree AGAIN. I had to call back several times and speak with other customer service representatives. Today I was given a supervisor 's email that keeps coming back to me as error return email, her name was XXXX XXXX. I 'm not sure if I was just given a fake email so they could get me off the phone. No one can ever helps me with this situation. Here I am in XX/XX/XXXX still dealing with an issue that should have been resolved years ago and they still have my money from my escrow account. They refuse to acknowledge legal binding documents and refuse to help me with this matter.
Consumer complaint received 2024-06-06
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Experian dispute center po box XXXX XXXX TX XXXX Last SSN XXXX Notice to principle is notice to agents and notice to agents is notice to principle Please be advised this is my third written request in final warning that I fully intend to pursue litigation in accordance with FCRA to enforce my right in seek relief in recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful neglect noncompliance.

Despite two written requests the unverified items listed below still remained on my credit report in violation federal law you are required under FCRA to have a copy of the original creditors documentation on file to verify that that this information is Mines in correct in the results of the first investigation and subsequent reinvestigation you stated in writing that you verified that these items is being reported correctly? Who verified these accounts you have not provided me copies of any original documentation a consumer contact with my signature on it as required under 15 USC 1681 g ( a ) ( 1 ) & 15 USC 1681 ( a ) ( 1 ) ( A ) furthermore you have failed to provide the method of verification as required under 15 USC 1681 ( I ) ( 7 ) please be advised under 15 1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear to the civil liability and the remedy available to me 15 USC 1681n & 15 USX 1681o if you fail to comply with federal law I am a litigation consumer in fully intend on pursuing litigation in this matter to enforce my rights under FCRA your company is breaking FCRA rules I will be filing a complaint. 
XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX In addition. Please remove all non accounts holding inquiries over 30 day olds also please add promotional suppression to my credit file Under federal law you have 30 days to complete your re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 days of the completion of your re-investigation Thank you.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

My data was breached in the CapitalOne XXXX attack. 

However, upon visiting the CapitalOne class action settlement website, I was unable to file a claim, because Capital None did not send me a unique ID and PIN, which they require to submit a claim. 

The website at https : //www.capitalonesettlement.com/en is completely useless. I tried emailing the XXXX and all I got was an autoresponder email message with the exact same stuff on the FAQ and then linking back to the website! 

I then tried calling the number XXXX and all I got was a robo message asking me if I want to listen to the website read out to me. 

I even emailed XXXX Nobody is responding to my emails or picking up when I call. I am stuck. I want to file a claim. The deadline is approaching in XXXX. I can not afford to wait. 

I am at my wits end! CapitalOne has made it impossible for me or anyone else to file a claim. They have perfected the art of being slothful. How can they continue to be licensed as a bank? 

I need someone from CFPB to help. Please help!!
Consumer complaint received 2024-06-06
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. (IL)

these false accounts have been reporting on my consumer report and causing me great financial hardship. They are also in violation of 18 U.S Code 1028A, and 15 USC 1681b. I have the right to privacy and if I gave written consent that these can even be reporting then please provide the original copy with my wet signature allowing this. 

I have asked over and over for the bureaus to fix this but they haven't so if you ( CFPB ) don't make them remove these false accounts then I will have to reach out to the attorney general and make sure to add that the CFPB were aware of these violations as well and still allowed these accounts to stay on my consumer report.