davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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. ()

This is my several endeavors 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
Consumer complaint received 2023-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I only recently discovered that CapitalOne effectively sunset my formerly high yield savings account, and opened a different high yield savings product, and didnt automatically convert my account, or even notify me that I was no longer earning high interest so that I could switch. As described here : XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Fruad inquiries Appearing on Credit Reports delete Immediately From 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX This inaccurate account is reporting as opened on my credit report when in fact it is closed. 

Please remove inaccuracy this account from my credit report or I will file for litigation.
Consumer complaint received 2024-04-23
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX7XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: The CMI Group, Inc. (AR)

I contacted Credit Management LP and asked them to validate an allege debt they claim I owe I sent this certified mail on XXXX it was signed for XXXX. This company was asked to provide the original purchase agreement, signature with all parties involved, bonding agency for credit Management, Accounting history from original creditor, proof they are legally allowed to collect in Arkansas, proof of ownership of the alleged debt and include proof of assignment for each change of ownership, if ant interest or fees that have accrued or been added,, proof that they sent the legally required notices to me before reporting the alleged debt to the consumer reporting agencies.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

All motor vehicle corporations and incorporated any leasing or loans under my name XXXX XXXX under social security number XXXX XXXX XXXX XXXX was due to fraud and scamming and I don't own any vehicle. 

You XXXX reach me directly at XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

All motor vehicle corporations and incorporated any leasing or loans under my name XXXX XXXX under social security number XXXX from XXXX- XXXX   was due to fraud and scamming and I don't own any vehicle. 

You may reach me directly at XXXX Email XXXX XXXX
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-01-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have an AMEX gift card that was given to me as a XXXX gift. The card is {$1000.00}. Time and time again the card is denied on both online retailers and in-person. I called the customer service number I found online and spoke with an agent. He told me that he couldn't help me because of the specific type of AMEX gift card it was (? ) and told me to call the number on the back of the card. However, that number is just an automated line with the card balance. I feel this card is a scam. It claims to be usable everywhere AMEX cards are taken but that is false.
Consumer complaint received 2017-05-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MS)

FIRST OFF I DID NOT REQUEST OR RECEIVE THIS LOAN. I LEARNED ABOUT IT FROM THIS COMPANY CONTACTING ME TO COLLECT USING A SCARE SCAM IDENTIFYING THEMSELV ES AS THE SHERIFF  'S DEPARTMENT NEEDING TO MEET UP WITH ME TO SERVE ME COURT PAPERS BUT WANTING {$1700.00}. AFTER REQUESTING DOCUMENTATION THEY HUNG UP ON ME REPEATEDLY. THE FOLLOWING MONTH THIS DEBT WAS REPORTED TO MY CREDIT REPORT. I HAVE DISPUTED THIS 3 TIMES AND ALL  XXXX  IT IS FOUND TO BE CORRECT. IT IS NOT. I HAVE CONTACTED THE COMPANY DIRECTLY AND THEY WILL NOT TALK TO ME BECAUSE IT HAS BEEN TURNED INTO COLLECTION, AND THE COLLECTION COMPANY SAYS THEY WILL SEND ME DOCUMENTATION BUT I NEVER RECEIVE ANY DOCUMENTATION ONLY SETTLEMENT PAPERWORK FOR {$130.00}. THATS A HUGE DIFFERENCE FROM {$1700.00}. PLEASE HELP ME SETTLE THIS ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2023-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/ Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX  XXXX XXXX XXXX Payment Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 



I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 



Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 



As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 



I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I had open an account 4 years ago under XXXX preferred name XXXX. Chime which is XXXX XXXX sent a card under XXXX. Which they did document it right. I tried to send a check online. I had funds in my accounts they refused the payment. They did that same day send a flag on the last name XXXX. Asked for me to send them a 1099 knowing I am XXXX. I question it no answer. They did threatened to shut down my account said they needed it due to the IRS. I never did get anything from the IRS. I sent all my information I'd, social security, birth certificate. They refused it wanted only the 1099. I filled it out before the deadline. During this time XXXX XXXX refused deposits from me. I didn't get no letters from chime father on the account being closed. I thought it was taken care of. Next thing I knew they closed it on XX/XX/2023. They logged me out of my accounts on my mobile app from seeing my financial statements. I had no access to those. I still could see those statements up to XX/XX/2023. I seen several deposits at the point it was closed.I had no access to it. How were these transactions going thru they knew wasn't mine they kept posting. I like this investigated
Consumer complaint received 2023-11-07
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. (IL)

I would like to reach out to your agency concerning the inaccuracies and errors I've found on my credit report. There were discrepancies of information across the XXXX credit bureaus ' reports. I'd like them to correct these errors and have it Update to a Current Status.
Consumer complaint received 2024-04-22
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. (GA)

I RECENTLY SENT LETTERS TO ALL XXXX CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct. 

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer.

did they complete their investigation with proof? It seems I am a victim of identity theft
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I had to open disputes on my Wells Fargo card for XXXX transactions from the same merchant due to paying with my card from another bank ( paid by other means ). I called to initiate the claim today, XX/XX/XXXX, around XXXX XXXX  PST when they opened. I let the representative know I had documentation ( transaction statement from the other card and email correspondence with the merchant ) to prove my Wells Fargo card was not supposed to be charged and sent it to the claims department email. 

I then received an email at XXXX XXXX PST from Wells Fargo on the same day XX/XX/XXXX stating that they would be closing my account within XXXX business days. Upon checking my dispute status, I also saw it was denied and closed. When I called the disputes department, representative XXXX informed me that they found the cardholder liable for the transactions, however I did not claim the charges were unauthorized, so that reason was not relevant to the case.

Regulation E requires banks to conduct a reasonable investigation, and Wells Fargo has gone against this. My claim was open for less than XXXX hours and immediately denied. They didnt give me a chance to receive the documentation I sent, ask me for further information, or even reach out to the merchant before denying it, and now I dont have access to my funds and was charged twice by the merchant.

These are illegal and unethical practices by Wells Fargo that need to be corrected. Regardless of the status of my account, the claims department must research my case and provide a temporary credit within the required time frame while the investigation is ongoing.
Consumer complaint received 2024-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC (LA)

My employer requires lender signature for VA Form 10-0394A. 

Called Launch Servicing in early XX/XX/XXXX to inquire process for obtaining their signature on this form. 

Launch Serving rep advised to use their messaging portal. 

Sent message on XX/XX/XXXX with form attached as advised. Launch Servicing website advises they will follow up in 2-3 days. Received no response from Launch Servicing. 

On XX/XX/XXXXXXXX I sent additional message requesting update on status of request. Again, received no response from Launch Servicing. 

On XX/XX/XXXX, I sent an additional request noting that this was my 3rd request. 

This is a time sensitive request. I'm applying for Education Debt Reduction Program ( EDRP ). EDRP application must be completed in a certain timeframe or else I become disqualified for program that will provide substantial finacial relief of debt burden.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX ( XXXX ), which involved me making deposits for a total amount of XXXX USD from my Hunitngton Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past XXXX  days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX  FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

I filed a fraud claim around a month ago. There's a n unrecognized transaction in my account which is not made by me, transfering XXXX XXXX to someone in don't know. But at XXXX the transaction was forced to make through. 
I file claim but it was rejected by Chase today saying it is a verified transaction. But I didn't make the transaction at all.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was recently scammed while trying to sell items online. The buyer sent me several bad checks that were way too much than what I asked for and would ask me to send the extra money back, I didn't realize this was a scam. After talking to family and realizing it was a scam, I called USAA and reported it. They closed all my accounts and had an investigator look into it, the investigators called me back a day later and told me I was at fault and I would have to pay back the bank and they would be closing my accounts in 60 days. 

I opened a new account at a bank and USAA is not letting me transfer the money I have left from my savings account to my new account with a different bank.