davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (FL)

I opened a Discover XXXX Debit Card Checking account. I made a payroll direct deposit to the account. Discover promised a debit card via USPS on XX/XX/XXXX, no card arrived. I was told it could be as long as XX/XX/XXXX. 

On Friday XX/XX/XXXX I attempted to transfer funds FROM Discover to my XXXX XXXX account. Discover WOULD NOT ALLOW THE TRANSFER because " we do not have a relationship with XXXX XXXX. Over time you will be able to transfer. '' Excuse me? 

a ) What legitimate fiduciary " does not have a relationship '' with another fiduciary? 
b ) I have ZERO access to my funds This is INEXCUSABLE banking behavior.
Consumer complaint received 2024-06-26
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)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit report shows accounts I am unable to recognize. I have had my identity stolen. Each unfamiliar account is listed in the letter. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. I am unaware of these accounts, and they should be removed. Here is my respectful request to have the following items removed. Please accept my sincere thanks in advance.
Consumer complaint received 2023-08-29
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)

This is not the first time we have reached out about these accounts. 

I Noticed 2 errors, one was an account for XXXX, and the other was an Account for XXXX XXXXXXXX on my credit report, and I knew they were not mine, so I called the FTC and filed an Identity Theft Complaint, and received a report.
Consumer complaint received 2024-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXXXXXX XXXX  card for {$52.00} ( ORDER # XXXX ) on XX/XX/year>. 
Request refund on XX/XX/year>. I bought a XXXX XXXXXXXX XXXX card for {$52.00} ( ORDER # XXXX ) and a XXXX XXXX camera ( ORDER # XXXX XXXX ). After installing the camera, it didn't work properly, so I requested a refund through XXXX. XXXX instructed me to take both items to the XXXX store for return shipping without packaging either item. I followed their instructions, but XXXX has only refunded the money for the camera, not the XXXX card. I believe I followed their instructions correctly, so if there's any issue, it's with UPS, not me. I want my money back for the XXXX card as I have returned both items. Capital One received my complaint and all the evidence asked for, including the item 's shipping label back to XXXX. If XXXX refunded the camera, it also means that they received the XXXX  card. UPS PACKAGED THEM BOTH TOGETHER.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (AS)

Company : WISE US Inc . 
Date of Transfer : XX/XX/2022 Amount of Transfer : XXXX dollars to XXXX XXXX TRANSACTION NUMBER : # XXXX I am XXXX XXXX XXXX, currently residing in XXXX  XXXX. I sent a XXXX dollars to my sister in the XXXX last XX/XX/XXXX, but until now she hasn't gotten any amount or credit in her XXXX Account ( XXXX ). 

They already debited the money to my account the day after I processed it. 

Can you help me to get my money back or can you be able to send it to my sister please. It's for her graduation. Idk what's happening. I am so stressed now. 

Please help me.. 

Call me at XXXX or email me at XXXX or XXXX XXXX
Consumer complaint received 2024-03-28
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-08-28
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. (CO)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-09-13
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. (NJ)

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. If you continue to decline my position, I will contact my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the 5 days required. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please remove these accounts immediately.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-03-28
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. (FL)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-11-07
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. (FL)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (KY)

My mortgage is serviced with Lakeview by XXXX. Their website will not allow payments and when I call their number to pay over the phone the automated system disconnects the call. My concern is now that I am unable to make a payment that I will be charged additional interest since my payment wont be credited on the date I wanted to make a payment.
Consumer complaint received 2024-03-28
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2024-03-28
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 disagree with the accounts listed below which still appears on my credit report ; even after your Investigation. Iw ould like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX ( Account # XXXX  ) XXXX XXXX ( Account # XXXX  ) and XXXX XXXX XXXX XXXX  ( Account # XXXX  ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection! -D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Experian Information Solutions Inc. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX for discrepancies in the way they have reported my account information to credit bureaus. I have encountered issues with two accounts, and despite my best efforts to rectify the situation with XXXX XXXX XXXXXXXX directly, the matter remains unresolved. 

Account Details : Account 1 : XXXX XXXX XXXXXXXX Charged Off Account Account Balance : {$810.00} XXXX XXXX : {$500.00} Additional Fees : {$310.00} ( Junk Fees ) Discrepancy : I contest the validity of the imposed junk fees, and I believe they have been unfairly assessed. 
Account 2 : XXXX XXXX XXXXXXXX Paid in Full, Closed Account Account Balance : {$0.00} XXXX XXXX : {$6500.00} Payment History : 30-Day Late Payment reported in XX/XX/2021 Discrepancy : I have never missed a payment, and I have substantial evidence to verify that I paid the account in full. 
Consumer Banking Laws and Codes ( New Jersey ) : In accordance with New Jersey consumer banking laws and codes, including the recent legislation signed by Governor XXXX XXXX : New Jersey Statutes Annotated, Title 17 - Corporations and Institutions for Finance and Insurance New Jersey Administrative Code, Title 3 - Banking and Insurance XXXX XXXX XXXX XXXX to Safeguard New Jersey Consumers Against Unfair Credit Card XXXX ( XXXX ), which prohibits sellers from imposing certain surcharges for credit card transactions Issue : Despite my attempts to resolve this matter directly with XXXX XXXX XXXX , they have not corrected the inaccurate reporting. As per the Fair Credit Reporting Act ( FCRA ) and the New Jersey consumer banking laws, I have the right to accurate and up-to-date information on my credit report. XXXX XXXX XXXX XXXX failure to update my payment history is a direct violation of my rights under these regulations. 

CC : New Jersey Attorney General 's Office
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of 15 USC 1666. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.
Consumer complaint received 2023-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My Mortgage Company Carrington has issues with HELPING THE CUSTOMER I was under protection of negative reporting or foreclosure the company waited till protection was lifted to procede to report negatively even though I immediately asked for HELP to bring account current by means of Mitigation I am approved no one could clearly tell me why a COVID-19 plan I was affected by a DISASTER me the customers have been also affected by Data Breach amount to pay back is different on bureaus payments have begun but are reported late where is the HELP perhaps BANKRUPTCY was a better plan since the company has Damned Condemned us me and XXXX our credit was perfect till this inscruples mortgage company before I was affected by a Disaster I attempted to request for help and got nowhere didn't matter what we needed Help us FIX the BAD INFO on all bureaus
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (AS)

This is about my Walmart mastercard. When capital one took over the walmart mastercard for  XXXX, I went and set up my online access so I can continue to pay my card online. This was in XXXX of XXXX ... ..I had made some purchases on this card around that time ... so then in XXXX I tried to access my account to see what my balance was and to set up my auto payment I could not access my account. I called Capital One and they required me to send documents to verify my identity through a link they sent me through email ... So I did, I sent a photo of my SS, my passport, drivers license, and military ID. I even updated my phone number with them. No phone call from them at all. After a month I tried to access my account online and same thing, I couldn't. I called them again and they said that I had to send my documents again through the same process and so I did again ... .waited for a phone call again ... .nothing ... I called them again and I was told that they are still looking into it ... but they expected me to still pay for my account and yet I can not see or access my account. I have called them numerous times and was told that I have to wait ... So today XX/XX/XXXX I called again because they never called me or sent anything through mail, just a reminder that my bill is overdue, when I called today they said my account will remain RESTRICTED because my documents weren't good and they won't require any more documents from me but I still can pay for my balance ... .CAPITAL ONE has the worse customer service I have ever encountered ... XXXX did require me to send documents through the same process but because they said it was not clear they required me to sent through mail copies of my ID 's ... .and within a month when I called they said I was cleared ... Capital One never called or even tried to work with me in getting my account verified ... ..Why couldn't they check with XXXX  about my account? ... I had autopay with XXXX and my account was paid on time ... I was trying to work on my credit after falling on hard times and now Capital One has messed up my credit score ... I refuse to pay over phone ... I want to see what I am paying and I want my Walmart credit card back ...
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: Experian Information Solutions Inc. (NJ)

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Consumer complaint received 2023-08-28
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (AS)

My Name is XXXX XXXX XXXX, on XXXX, 2018 I wired {$65000.00} to XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. XXXX XXXX of XXXX have file a complain with FBI, I have not file a complain with Suntrust yet. dont know where can I find them. since the account and name does not match they shouldn't accept the money.
Consumer complaint received 2024-03-27
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have never told Transunion to add fraud alert yet alone XXXX fraud alerts they needs to be remove immediately. My number is not XXXX XXXX XXXX my number is XXXX XXXX XXXX which is on my transunion profile