davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
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 (TX)

In XX/XX/2023, I noticed that I began to receive charges from a merchant called XXXX. I immediately contacted my bank and informed them about the charges. The initial claim was filed in XXXX, my account was credited almost {$1000.00}, and the claim was closed with no issues. The agent that submitted the claim advised me to call back and submit another claim if I discovered more charges. On XX/XX/XXXX, another claim was filed for the same merchant with my bank. There were a total of XXXX unauthorized submitted with the new claim. On XX/XX/XXXX, my claim was denied after being promised provisional credits for two weeks. On XX/XX/XXXX, I contacted the merchant directly, who confirmed I do not have an account with them and someone indeed made fraudulent charges. After speaking to the merchant, I contacted Wells Fargo AGAIN. I got to the claims department, talked to a representative, and explained what the merchant told me. She stated that my claim had been denied and she couldn't reopen the claim. I asked if the merchant had sent an email saying they closed the account that contained my payment information, the charges were unauthorized, and they needed to work with my bank regarding a refund. And I asked what I needed to do to resolve this issue. She told me to send that email to the claims department, and someone would contact me within XXXX hours. She gave me the email address and told me to send over an email from the merchant stating the charges on my account were fraudulent, and we would go from there. Once again, I am still waiting to hear back from Wells Fargo. This situation has caused my son and I to lose everything we own, and we are now homeless. I have contacted the Executive Office at Wells Fargo, which continues to give me the run-around. I have attached all of the transactions below.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed XXXX XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : {XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX
Consumer complaint received 2023-07-14
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. (IL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Dispute of XXXX XXXX Account # XXXX I write to you today, XX/XX/XXXX, in response to the notifications from your agencies regarding my previously disputed account with XXXX XXXX ( Account # XXXX ). Despite my numerous disputes, the inaccuracies on this account persist, and it seems your agencies continue to inaccurately report this information even after reassessment. 

Your previous update indicated that this information was reported by the data furnisher, yet upon reviewing the alleged updates from your agencies, I note glaring discrepancies in both the reported dates of last activity and the payment history. 

Upon the conclusion of your re-investigation, my consumer report continues to be inaccurately reported across the three agencies. The dates of last activity listed vary widely : Transunion- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 

Furthermore, the payment history on the account reports differently across all agencies, as detailed below : - Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX Current, XXXX. XXXX XXXXXXXX XXXX XXXX- 30 days late, XXXX XXXX 60 days late, XXXX XXXX 90 days late. 
- XXXX : XXXX XXXX 60 days late, XXXX XXXX 90 days late, XXXX XXXX No Data, XXXX XXXX XXXX XXXX XXXX  XXXX- 60 days late, XXXX XXXX 90 days late, XXXX XXXX 120 days late.
Consumer complaint received 2023-10-21
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: SLM CORPORATION (TX)

Took out a loan to attend XXXX XXXX XXXX  through my local XXXX XXXX.. Well they ended up not providing my training and instead they sub contracted me out to XXXX XXXX XXXX an unaccredited for profit training company that has since gone out of business.. I XXXX my truck and had a XXXX child that is now on ssi and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from sally mae.. The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2018-05-12
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: Pinnacle Credit Services, LLC (MI)

I have disputed the inaccurate reporting of Pinnacle Credit Services LLC several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. Pinnacle is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX Pinnacle Credit Services LLC. The investigation into this inaccurate account has been less than adequate.
Consumer complaint received 2023-10-22
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: Experian Information Solutions Inc. (SC)

To Whom It May Concern ; I disputed the referenced accounts above on { XX/XX/2022 }. The credit report of { Experian Reporting Company } shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

CC : CFPB XXXX : XXXX  XXXX : AG Office
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act, the following account below have violated my federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15 U.S. code section 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit furnishers ) have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. 

Additionally it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish any account without my written consent.
Consumer complaint received 2023-10-21
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. (MI)

XXXX you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX and placed in default by XXXX. The real U.S.Department of Education General Counsler said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. XXXX if yu have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the E-Sign Contract for verification, their is no address of mine the XXXX XXXX XXXX not exists. A school code was used for consolidation from the UniversityXX/XX/XXXXXXXX XXXX. The University XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXXXX/XX/XXXX and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXXXX/XX/XXXX in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. XXXX stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. XXXX you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. XXXX you have damaged my credit reports and score for greed. XXXX send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. XXXX you have prevented me to obtain a mortgage. XXXX send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XX/XX/XXXXin XXXX an the real U.D Department of Education
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting my CLOSED - paid off - mortgage - XXXX XXXX account XXXX - as delinquent -120 days. 
This morgage has been closed and paid off on XX/XX/2017! Need this to be fixed ASAP. This account has never been delinquent and/or late and it is closed as XX/XX/2017
Consumer complaint received 2023-07-12
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 — Problem with personal statement of dispute
Company: OneMain Finance Corporation (IA)

Previously, disputed CFPB complaint reference # XXXX on this account and results came back still inaccurate. Account is not stating 100 % accurate. * Account reports CLOSED while in collection with a pass due amount. There is no way that account can report pass due if account is dead. * Reporting consecutive Charge off as if it was some sort of payment method. * inaccurate date of last activity reporting XX/XX/XXXX by XXXX XXXX XX/XX/XXXX XXXX while XX/XX/XXXX. *Account is still not reporting as disputed by consumer. I have the right to an accurate credit report and you are not providing it.
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TN)

I received an alert from XXXX stating that a collections that was placed on my account. I immediately called Credit Management and was unsuccessful to speak to a live rep due to the information on file does not match what the agency has on their file. 


I am requesting the debt collector to produce account statements, a signed agreement, and other documents showing it is legitimate and authorized to collect the debt matching my personal information including social security number. 

When I attempt to call concerning the debt I am told my social security does not match what is on file. There has been an identity theft I believe. 


I received credit alert on XX/XX/2023. 

I have reasons to believe this debt is not mine. 


Debt amount stated {$170.00}
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

transunion wants me to be more specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX all of these are more specific XXXX XXXX i didnt apply for credit with and never received a card from them in that time XXXX same thing XXXX XXXX same XXXXXXXX XXXX same sychtony same XXXXXXXX XXXX same XXXX XXXXXXXX same investigate and you will see i got cards from some of these companys like XXXX XXXX but not whem they did inqiury so please delete these i filed police reports and complaints with companys
Consumer complaint received 2023-10-21
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: BARCLAYS BANK DELAWARE (IL)

I paid old XXXX XXXXXXXX XXXX  XX/XX/XXXX {$69.00} dollars for hardship out my account ended up being admitted to hospital miss a 5 day payment they put I didn't pay them in 30 days on my credit report also made XXXX payment of {$180.00} pay early on XX/XX/XXXX instead of XX/XX/XXXX they also lie and say I paid 30 days late again on credit report my payments are on time and are not late. But on my credit report they have it inaccurate and has made my credit poor instead of being honest. I need this company to fix all 3 credit company with the right information because I have proof because there taking it out of auto pay every month and it shows on my bank receipt.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (IL)

Discover has stopped allowing XXXX use for customers that opened a checking account after XX/XX/2022. I have called to see why and when it will return and there is no timeframe. Reviewing XXXX, many other people are trying to get answers and Discover 's representatives have these response : " At this time, we do not have a time frame if or when XXXX will be restored with us. You are welcome to use XXXX with your other financial institutions. I will ensure to forward your feedback as you would like to see this feature added back. '' " It was a business decision to remove this feature at this time. We do not have an estimate for when XXXX will be restored. Please keep in mind we offer Online Bill Payment and Mobile Check Deposit to move money. '' This issue, and the lack of transparency as to why this issue is happening and when it will be resolved, has impacted the access to my funds.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (AZ)

Check XXXX cash ( aka check XXXX cash ) XXXX XXXX XXXX XXXX az XXXX In XXXX XXXX In approx XXXX or XXXX of XXXX  I took a title loan against my XXXX XXXX truck. After XXXX payment I pd {$1000.00} on princial to lower payment. When next payment was due I went in to pay lowered payment. The co. Would not accept lower payment and had no record of my {$1000.00} payment. Within days after payment due my truck was repod. I never got notice of repo or any type of disposition as to wat happened to my repo. In reviewing my file I discovered in addition to repo... the original loan application I applied n signed for was denied and paperwork with a higher interest loan was done... one without my signature. They did the ol bait n switch on me. Within months after that the co. Switched owners. The new owner never contacted me about my account whom I already complained with. I know the new owner took possession of all previous accts because my friend had to resign for loan he had taken out under old owner. 

I don't know how to fix this. 

XXXX XXXX