davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute on XX/XX/2024 to Transunion by mail and followed up with a phone call. I was told that they had no dispute on file. This has been very frustrating as this is not the first time that I submitted a dispute and got this same response. This account is not accurate and needs to be removed off of my credit report as it already has been removed from XXXX and XXXX. Attached is the dispute that I sent in that has not been reviewed or answered. I would like to make sure that all necessary measures are taken according to the FCRA when doing the investigation See attached dispute letter
Consumer complaint received 2023-09-16
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 (AZ)

I got a call from XXXX Police, a person impersonating a Police officer extorted money from me. He told me my immigration was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I let Amex know about this situation ASAP and the unauthorized charges but they refused to refund me. 

I have filed a report with the Police and have the incident numbers below : Incident Number : XXXX, Reported on XXXX XXXX Incident Number : XXXX, Reported on XXXX XXXX Below are the transactions : XX/XX/XXXX : XXXX - XXXX Transactions {$440.00} {$470.00} {$800.00} {$860.00} {$990.00} {$450.00} {$480.00} {$480.00} {$480.00}
Consumer complaint received 2018-04-26
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: EQUIFAX, INC. (FL)

I SENT THE CREDIT REPORTING AGENCIES A SUPPORTTING DOCUMENT THAT WAS VERY RELIVANT TO MY DISPUTE WITH THE CREDITOR XXXX XXXX XXXX REPORTING INCORRECT INFORMATION. THE CREDIT AGENCIES HAS NOT AKNOWLEDGE MY DOCUMENT AND CHOOSE TO OVER LOOK IT FOR THE DOCUMENT SHOWS I HAVE NEVER BEEN LATE. I ALSO SENT THEM MULTIPLE DISPUTES BUT ONLY TO BE MIS LEAD STATING IT WAS CORRECT. WHICH I HAVE SUPPLIED THEM A LETTER DIRECTLY FROM THE CREDITOR DISPLAYING ON TIME CORRECT PAYMENT HISTORY
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (ID)

I obtained a HELOC from my XXXX for just under XXXX XXXX to pay off some larger debts. All were credited properly from various companies except the ones through Sychrony bank. I've list below the companies the CC is from along with the payment amounts, and receipt dates posted by them. None of the funds have been released as of this date XX/XX/year>. 

XXXX 's XXXX  - PD {$7700.00} - XXXX  by them on XX/XX/year> XXXX  - PD {$4600.00} - XXXX  by them on XX/XX/year> XXXX - PD {$10000.00} - Rcvd by them on XXXX XXXX 's XXXX has XXXX XXXX that its in my terms and conditions of my account that I agreed to. I can't understand why they would need to hold my funds for verification for this length of time when they came from a known financial organization in this age of electronic banking!
Consumer complaint received 2024-06-10
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (CA)

In violation of California Civil Code 1788.66, Caine & Weiner was illegally assigned unpaid COVID rent and has ignored this fact. In the code, it's stated that a landlord can not assign unpaid COVID rent from XX/XX/XXXX to XX/XX/XXXX. During my tenancy from XX/XX/XXXX to when I left in XX/XX/XXXX, I was not working. I sent them a Cease and Desist Letter in XX/XX/XXXX, and they have continued to contact me by email and phone. And now, they have sent this account to my credit reports.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in my first dispute letters with Transunion, XXXX and XXXX back on XX/XX/2024. I read that the credit bureaus have 30 days to investigate any information that we write to them. However, I continued to get multiple template responses and the inaccurate information of late payment history continues to be listed under each of my credit reports. XXXX sent letters twice saying that I did not send in the proper identification to verify myself and that they were not going to do anything further regarding my request. I even called them on a recorded line. I sent each of them two forms of proper identification and have proof that I did. After my first dispute request, each credit bureau removed an inaccurate account under " XXXX XXXXXXXX XXXX XXXX '' so I am not sure where the disconnect is and why I can not get them to remove additional inaccurate information. There continues to be ( XXXX ) inaccurate late payment under each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ( XXXX ) inaccurate late payments under XXXX. The account history is inaccurate and I also was affected by XXXX like many others so I am not sure why this information is listed and not being reversed. 

Under 15 U.S. Code 1681 ( e ) b Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-11
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: Experian Information Solutions Inc. (CA)

After examining my recent credit report, I found discrepancies that need immediate attention, particularly with the following accounts : XXXX XXXXXXXX XXXX XXXX and would fix it. Please correct and update! 
XXXX - XXXX XXXX. 
The companies have acknowledged these errors and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of these accounts after the companies recognized the inaccuracies. 

I kindly request a thorough investigation into these accounts and timely communication of the findings via postal mail. Based on online information, such disputes should be resolved within 30 days, so I expect your response within this timeframe. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-11
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Collection account. {$61.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6100.00} XXXX Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1.00}, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$960.00} written XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (CO)

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX, IA XXXX XXXXSubject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX** To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation. 
The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports.

Given these violations, I request the removal and deletion of the XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

This is to further a complaint I filed with Wells Fargo. They blatantly are lying to the CFPB in the response to my first complaint. They said they have not been able to " establish contact '' with XXXX XXXX, so they need up to an additional 60 days to further investigate. This was today I received this response. I knew they were crooked, but this is absolutely disturbing. They are lying, we have had numerous communications with Wells Fargo. My XXXX, XXXX XXXX XXXX, has written letter upon letter, called XXXX times, and can't even get online to an access her Wells Fargo account online. Wells Fargo is not investigating the complaint, but they are buying time to foreclose on our home. And XXXX, XXXX XXXX XXXX was in court via XXXX, where she did not even get to say a word. Wells Fargo yesterday intends on moving forward to dismiss the unknown occupants ( which the first affidavit said the home was VACANT!, which was also a lie! ). Meantime, on Sunday XX/XX/XXXX at XXXX. there was a XXXX XXXX sheriff knocking on my door, with papers to serve from Wells Fargo. This was the second attempt to serve me ( unknown occupants ). The COVID CARES ACT allocated funds to be directly distributed to Wells Fargo, why is it that we can not get this money? Why did the forebearance period end and ignoring our requests for loan modification get ignored? They went STRAIGHT TO FORECLOSURE AND NOW THEY WANT 60 DAYS TO ANSWER AND INVESTIGATE A COMPLAINT BUT THAT WILL BE TOO LATE! THEY WILL HAVE ALREADY AUCTIONED OFF THE HOUSE. I LIVE IN WITH MY SON. we have told Wells Fargo from XXXXXX/XX/2022 that We have a debt free XXXX property that is closing, and we have had every intention of paying them with this money. Regardless of that, they have moved forward to accelerate the note, and foreclose. Now the CFPB has advised me to get an attorney. Why is WELLS FARGO STILL ALLOWED TO REGULATE THEMSELVES!!??? THIS IS CROOKED! THIS IS WRONG!!!!!!!!!!!!! and they will continue to get away with this. Its pathetic.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. My name is XXXX XXXX XXXX. I do not have any requisite other Names or aliases and I do not desire any other names or aliases to be retained or reported, if any, delete now or produce proof of your legitimate authority to Retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any requisite other Current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authority to retain much less report without infringing my consumer rights. I am currently in the process of purchasing a first home for my family. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21
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. (NY)

I have had items deleted from my credit report. It doesnt Show on XXXX but shows on my transunion and XXXX XXXX According to consumer law all bureaus need to report 100 % accurate information. So if XXXX deleted it why Havent the other bureaus either.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I was given a check drawn from an account at XXXX XXXX  XXXX on XX/XX/XXXX which I deposited in my Chase Bank account. 

In XX/XX/XXXXXXXX  the maker of the check contacted me and asked me if I had redeposited the check on XX/XX/XXXXXXXX  as the funds were removed from his account again.. I told him that I had not and provided him with copies of my bank statement to show that I had not received additional funds. 

On XX/XX/XXXX, Chase debited my account by the amount of the check in question with the following explanation : " Debit for {$930.00}, an item was processed more than one time. The item posted on XX/XX/XXXX, and again on XX/XX/XXXX. Our reference number XXXX, Check Number XXXX, Deposit Location Number XXXX '' When I queried this with Chase after many phone calls, visits to the branch and complaints, I was advised that even though Chase knew I did not receive the funds twiceXXXX XXXX XXXX XXXXXXXX told them to remove the funds from my account because the check had been deposited twice and Chase had no choice but to do what XXXX XXXX XXXXXXXX said . They further advised that I should contact the maker of the check to tell him to file a complaint to XXXX XXXX XXXXXXXX for an unauthorised presentation of the check XX/XX/XXXX and to verify that I was not the recipient of the funds of the second presentation. 

The maker kindly spent an hour and a half on the phone with XXXX  XXXX XXXX who told him that they could not do anything and I should contact Chase to get my money back. 

I am a victim of bank fraud and both banks want to pass the buck to each other. 

I am enclosing copies of the check in question, bank statement showing the deposit of the check in XXXX, statement showing the second deposit in XXXX did not go into my account, and a statement showing teh debit by Chase.
Consumer complaint received 2023-07-13
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: 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act Bankruptcy XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2024-08-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC. (LA)

On XXXX XXXX XXXX I vacated my apartment at XXXX XXXX XXXX XXXX  called XXXX XXXX XXXX  A month prior I had found a safer and better set of apartments down the road from XXXX XXXX XXXX XXXX XXXX XXXX that I was moving in on XX/XX/XXXX. Me and the apartment manager went to my apartment and took the pics that I have attached to my documents with the timestamps at the bottom of the pics showing the date and time I took them. The manager told me that she was gon na keep {$50.00} out of my deposit to shampoo the carpet and I said ok. I didn't tell where I was moving because I knew she hated XXXX XXXX XXXX cause some people leave XXXX XXXX and move to XXXX XXXX. The manager at XXXX XXXX told me not to use this as my forwarding address because she will be very mad if she found out I moved here. The apartment manager for XXXX XXXX called me a week later and asked for my forwarding address so she can mail the rest of my deposit and I gave her my new address at the new set of apartments I moved to and she was MAD. The secretary at the time called and told me the manager left the office screaming and went back to my apartment that I vacated and made up a bunch of stuff that I did to my apartment just to get back at me for moving to XXXX XXXX. The collection agency CBS Collection ( That reported the debt to the bureau ) says I owe {$2300.00}. I tried to resolve this issue with the debt collector CBS, XXXX XXXX XXXX and the company that owns XXXX XXXX which is XXXX XXXX XXXX. XXXX says its my debt and has done nothing and the original creditor says they have no information and that everything is in the hands of the collection agency. This debt in collections just popped up on my credit report 4 years later on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-21
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. (SC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.