davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. Thank you. 
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
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Date : XX/XX/2024 Amounts : {$6500.00} Claim declined by the bank ( Wells Fargo ) Hi, CFPB : I am writing to formally express my dissatisfaction with the recent decision to decline my claim, referenced under number XXXX, which I submitted on XXXX XXXX XXXX 

I have made the phone call every day since i know the result, every time i have to wait for one hour or even more to taoke to the agent, but they kept saying the same thing : '' the decision was final can't change. ", and they refused to say why the claim was declined. 

I checked the trasacion date, they are both on the afternoon of XX/XX/2024, at that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and i am busy, it is not possible for me to make any purchase, and the website is not a well known website. When such a large amount occurs in the card, Wells fargo should immediately send me a text or an email, but i never got them. You can call my restaurant manager to see if i was there on XXXX XXXX. 

XXXX phone number : XXXX Given this information, I respectfully request a re-evaluation of my claim. I would appreciate it if you could review the additional documentation provided and reconsider the decision made. If necessary, I am willing to discuss this matter further and provide any additional information required to facilitate a fair resolution. 

Please confirm receipt of this letter and the accompanying documents. I look forward to your prompt response and resolution of this matter. Should you require any further details or wish to discuss this in more depth, feel free to contact me at my email address i registered. 

Sincerely
Consumer complaint received 2024-01-08
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

I Have always paid my credit card, but recently I lost my job. My payments were rather high for my target account, so I wanted to check the account since I knew I couldn't owe that much since I had not used my card and last time I made a big purchase was in XXXX I believe to buy my then boyfriend a TV. My bill was at over {$700.00} bc of late fees when I checked. So I went back in my statements and saw that in XX/XX/XXXX a payment was returned. I have my account set to auto pay, which adjusts and should have made that payment in XXXX as well as the returned payment. My autopay is not the same every month, it adjusts according to what is due. I was not notified of a missed payment and my auto pay kept going while target was charging me {$40.00} in late fees every month. When I spoke to someone in XXXX she just kept trying to make me make a payment, while I was asking her to explain why I should be responsible for these late fees if the system had not adjusted the payment. She was not helpful at all, and just kept saying it was my fault and claiming she could not see payment history or statements back that far. If she really couldn't see that, she should have found someone who could instead of blaming me and demanding a payment. I could understand if it was a fixed payment but it changes every month. I do not feel I should pay over {$900.00} for fees when my card should have been paid off by now.
Consumer complaint received 2024-08-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

- **Account Name : ** XXXX XXXX - XXXX : ** {$6900.00} - **Account Number : ** XXXX - **Status : ** Negative - **Original Creditor : ** XXXX XXXX XXXX - **Creditor Type : ** Collection services - **High Balance : ** {$6800.00} - **Open Date : ** XX/XX/2024 - **Last Reported Date : ** XX/XX/2024 On XX/XX/2024, I noticed this account on my credit report. I have never had any dealings with the original creditor, XXXX XXXX XXXX, nor have I entered into any contract with XXXX XXXX or any debt collector associated with this debt. I believe this account has been mistakenly or fraudulently attributed to me.
Consumer complaint received 2019-07-22
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. (NY)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN REPORTING AS A DEROGATORY AND HAS BEEN CAUSING SERIOUS DAMAGE TO MY CREDIT. PLEASE HAVE THIS NEGATIVE ITEM OFF MY CREDIT.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has allowed the continuous lifting of my freeze and fraud alert without my approval allowing the hackers to change my information. They then proceed to apply for credit cards, etc.. Attempts to have TransUnion prevent this since XXXX  have been in vain. Every time I contact them they give me a file number and say someone is going to contact me and they never do. I don't know what else to do to prevent the hackers from lifting my freeze and fraud alert with TransUnion.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO HOME MORTGAGE IS MISTAKENLY REPORTING NEGATIVE FORECLOSURE VERBIAGE ON MY ACCOUNT. MY ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY AND IS IN FACT PAID OFF. PLEASE REMOVE THE FORECLOSURE VERBIAGE ASSOCIATED TO THIS ACCOUNT.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

Bmo keeps on blocking my XXXX, it has become very frustrating to operate my XXXX. 

Yesterday I sent a {$1500.00} of XXXX payment to myself, and I havent received The XXXX payment, I was supposed to receive it immediately, I was I will be going to receive it on Monday, XX/XX/year>. 

XXXX was made to receive the payment immediately, not after three days. 

And today when I went on XXXX of Bmo to send {$300.00} to myself on my other account, it placed me on hold I already verified myself on the automated system when I called Bmo, still, they asked my full name and wanted to send me a passcode on my phone number, which they were not able to send, then they started asking me The amounts of credits and debits I have received in my account, out of frustration I hanged up the phone.

I have reported this matter before against Bmo, Bmo need to change its ways of verifying the customer and stop harassment of the customers.
Consumer complaint received 2023-10-18
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Certegy Holdings, LLC (MT)

I began making calls to an LLC called " Certegy '' when after XXXX of doing business and writing checks for purchases in XXXX XXXX XXXX and XXXX, MT ( XXXX - use d to be XXXX XXXX XXXX without a single check writing incident that would have denied me the privilege of using checks as my preferred payment method ; suddenly ( beginning XXXX ) my check writing prompted a Drivers License check which denied me the ability to use my checks for payment. Store management accepted no responsibility for this unexpected denial of services, even though I have been in their store information data base for decades, gave me a lengthy printout, beginning with the phrase " we are sorry '' ... but check with this company called " Certegy '' for the answers you seek regarding your check dilemma. After 5 calls to Certegy between XXXX and XXXX whose content included empty, rehearsed apologies, verbal repetitions of " we're sorry '' but there's nothing we can do for you on our end to resolve your issues. The 3rd call with " XXXX '' gave the hope of resolution No resolution occurred. With each call more personal information was prompted from me ( including my SS # - the last 4 digits will not do - we need all the numbers, contact Drivers License issuer ( had a new license reissued just to be sure, plus additional conversations with the XXXX XXXX  who indicated the problem was not on their end. Certegy reps. used words like " mis keyed '' ( but not on our end ), and if you still have the problem we will " escalate '' our involvement. Never happened. I have case # 's, transaction numbers, names of each representative spoken with, dates, notes taken during calls ( these people, Certegy, offer no e-mail, text, or confirmation of dialogue, and contact in any form ). With each call a new case number is given, and that new contact does not lead to furthering an informed or beneficial outcome for the petitioner. I finally did some on-line research regarding their function and reputation, and with my 5th call asked for my " Consumer Credit Report. '' Haven't received it yet ( XXXX petitioned for it ). Certegy, for myself, is like a shadowy, background menace that hovers in ones life, unknown, but hugely influential. Once encountered for reasons known only to them and their information data base the experience becomes labyrinthine.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

The account was opened on XX/XX/year>. The company says that the account was opened using my social security and date of birth. The account was opened in another stat. I disputed the information in my credit bureaus.
Consumer complaint received 2024-08-09
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: DISCOVER BANK (NY)

To, whom ever this may concern Im reaching out on behalf of my XXXX credit report. I have XXXX unauthorized accounts reporting on my XXXX credit report. XXXX is new XXXX XXXX XXXX and the other is discover bank. Im a victim of identity theft, in wich I never opened these XXXX accounts. Ive sent discover bank as well as XXXX XXXX XXXX my police reports, my FTC reports also my CFPB report. Ive also sent these reports too XXXX as well. The companies keep saying that the accounts belong too me but the accounts do not and I never even heard of XXXX XXXX XXXX before in my life. Ive never done any sort of business with these companies, at this time I really would like too ask for the removal and deletion of these XXXX accounts from my XXXX credit report. I never did any business with these XXXX companies, I never received any goods from either company. I also never signed any contract for either company Ive made several complaints with the CFPB. Im really suffering from this fraudulent behavior from someone who gained access too my wallet when it was lost. I really want this escalated too the highest degree, i really need someone too take care of this today please XXXX 2024!!
Consumer complaint received 2024-08-15
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)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-12
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. (NY)

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

I have a Platinum Amex Card with no preset spending limit, for XXXX years. 

I have made every payment on time. 

On XX/XX/year> I had a balance of {$26000.00}. 

On XX/XX/year>, I received an email stating that my credit was established at {$22000.00}. 

Since this credit limit is under the amount of the balance, this will impact severely impact my credit score. So I called to get the credit limit adjusted to fit my balance. 

On XX/XX/XXXX, I called Amex and they said that my account was reviewed and they didnt have access to my FICO score. ( Thats because I keep my credit score locked, per consumer protection recommendations. ) They said they couldnt fix it because thats what the computer said to do. 

Now I am filing a complaint.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received on XX/XX/year>, an email notifying me of the impending closure of my account ending in XXXX, effective XX/XX/year>. The email stated that the closure was due to adverse past or present legal action involving an individual or entity associated with the account. 

Upon receiving this notice, I called customer service., I was informed that my account will indeed be closed. Despite speaking with multiple representatives, including a supervisor, I have not been provided with the source of the information that led to this decision. 

In order to address this issue, I kindly request that Capital One disclose the following : The source of the information that resulted in the decision to close my account. 
Any report or documentation related to this information. 

Please, understand the source of this information is crucial for me to rectify any inaccuracies and resolve this situation. I would appreciate your prompt attention to this matter and look forward to receiving the requested information that resulted in the adverse action of closing my account.
Consumer complaint received 2023-06-12
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX , Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (GA)

I am totally and permanently XXXX and my doctor filled out the physicians statement favorably. I applied for the total and permanent XXXX discharge with that physicians statement. I have submitted all information requested and all paperwork required so far and have yet to be approved. I have filed for Social Security XXXX and have a hearing before a judge in XX/XX/year>. I am trying to get the debt relief that I am entitled to by law.