davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CT)

In XXXX of XXXX my home insurance policy ( purchased through XXXX and subcontracted to a company called XXXX XXXX ), which had been set to be paid via autopay, somehow did not get paid and the policy was cancelled. The insurance company ( " XXXX  XXXX '' ) has provided documentation that I was notified via USPS letter of the failed renewal, but for unknown reasons I never received this mailing. I therefore presumed my insurance had renewed via the autopay process as scheduled. On XX/XX/XXXX, while researching some personal financial records, I discovered that my policy had never been renewed. I immediately purchased a new policy effective XX/XX/XXXX, again through XXXX XXXX Then, in XX/XX/XXXX, I received a USPS letter in the mail dated XX/XX/XXXX sent from Wells Fargo ( my mortgage lender ) that my home insurance had expired XX/XX/XXXX. I then provided proof of the policy that had been in effect since XX/XX/XXXX, and in a letter dated XX/XX/XXXX the lender responded that I would be charged {$1900.00} for lender placed hazard insurance covering the period of XX/XX/XXXX to XX/XX/XXXX. I would like to know if I am lawfully responsible to pay this charge, based mainly on the fact that I was not notified until XX/XX/XXXX that I will be charged retroactively for retroactive dates of lender placed insurance coverage. The reason it is now XX/XX/XXXX and I am just submitting this complaint is that I spent months in communication with lender representatives who told me that the charge would be reversed, that it would just take some " pay cycles '', only to ultimately be told that I did have to pay it and that I should lodge my complaint with the insurance company. I made many calls and sent many emails to the insurance company, who, after lengthy review, ultimately denied any wrongdoing. I then reached out to the Connecticut Insurance Department, a branch of the XXXX XXXX XXXX XXXX XXXX. After several months of correspondence with XXXX, I was referred to the XXXX XXXX  XXXX XXXX, who then referred me to CFPB since Wells Fargo is federally-backed. 
I am submitting evidence of the auto-pay that I had set up for my policy renewal with XXXX XXXXXXXX XXXX as well as copies of the pertinent pages of my mortgage contract regarding borrower property insurance, which I hope may speak to the question of retroactive notification and insurance charges. Thank you.
Consumer complaint received 2023-12-12
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. (GA)

I am writing to address persistent inaccuracies on my credit report, which I have been working to resolve. Despite my previous attempts, it seems that there have been no corrections made, prompting my decision to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure the rectification of these discrepancies.
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: National Credit Adjusters, LLC (TX)

I have taken out a loan with Ace Cash Express few years back and I have paid it in full through XXXX XXXX XXXX XXXX as of XX/XX/XXXX. I have the attached document confirming it. Since then I have received notifications including text from debt collectors contracted by Ace Cash Express. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX email address : XXXX XX/XX/XXXX - received a call from XXXX XXXX XXXX XXXX XXXX wanting to speak with me or my attorney in regards to pending legal matter. The voicemail came from XXXX ( XXXX XXXX ) and asked me to call XXXX. Email address : XXXX XX/XX/XXXX- received a text from ( XXXX ) XXXX stating and I quote " We have an important legal mater that directly concerns you. Call us directly at XXXX and refer to file # XXXX. Email address : XXXX I called both company and sent them a copy of document stating that I have paid my balance in full through XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX, I checked my mail and received a letter from XXXX XXXX XXXX regarding a civil lawsuit and they represent Ace Cash Express. I have called them and yet explained again that I paid my balance in full with XXXX XXXX XXXX XXXX back in XX/XX/XXXX. They stated that they would closed my case but I have not received an email confirmation. 

I hope you help me make this harassments stopped.
Consumer complaint received 2024-04-16
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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (NM)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX  XXXX Balance : {$4400.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I received an email from indicating that an order had been placed. That day, I called QVC to indicate that this was a fraudulent purchase. I was advised that a QVC Card was issued from Synchrony Bank. QVC stated they would cancel the order and that I needed to call Synchrony Bank to close the account. I immediately called Synchrony Bank and closed the account and they opened a fraud investigation. They also notified the credit bureaus. ( I also called the credit bureaus and froze my credit ). 


On XX/XX/XXXX, I received a statement from QVC for the fraudulent purchase. They closed the original account and reopened a new account with a balance. I called again to close the account with QVC and explained that it was fraud. On XX/XX/XXXX, I received another email stating that my new card was on its way. Again I called and explained it was fraud. On XX/XX/XXXX, I received another email that a new card was on its way. Again they closed and reopened an account, stating that I was response for the fraudulent purchase. 

There was back and forth whether this was a fraudulent account. I had to supply additional information, police report, attestation, etc. This time their Fraud Department concluded it was fraudulent. 

I received piece of mail from Synchrony Bank in XXXX, stating that this was a fraudulent account and I was not responsible for the charges. 

XX/XX/XXXX I received a collections call from Synchrony Bank for the fraudulent transaction. Again I called and explained the situation. They referred me back to the fraud department. 

XX/XX/XXXX I received a collections call from Synchrony Bank for the fraudulent transaction. Again I called and explained the situation. They referred me back to the fraud department. 

XX/XX/XXXX received a letter that this was. fraudulent transaction and that I was not responsible for the charges. 

On XX/XX/XXXX, I received an email from XXXX, a collection agency hired by QVC Inc. for the fraudulent transactions. 

On XX/XX/XXXX, Synchrony Bank said that I should disregard the collections notices. 

I haven't been able to get this resolved and it has been very difficult to " trust '' what Synchrony Bank says as they do not follow through on what they say. They closed the account, but reopened a new one. They say I am not responsible for the changes, but try to collect. 

Please help this nightmare go away.
Consumer complaint received 2023-12-12
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a look at the attached documents. I request the bureau to begin an investigation into these accounts, despite my punctual payments, they are incorrectly reported as late.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

This is a third complaint to the same issue as Wells Fargo closed my previous complaints without a resolution. Wells Fargo closed down my account without returning the funds to the original sender. Wells Fargo claimed that all XXXX transactions my mother XXXX XXXX sent me from XXXX ( XXXX XXXX ) were sent with receiver as XXXX XXXX? So my mother basically sent herself money to my account? Wells Fargo refused to give me my money and so we started the process of returning the funds. XXXX recalled all XXXX transactions, my mother even paid extra XXXX EUROS per recalled transaction and Wells Fargo managed to return only XXXX of them. I called pretty much every day to make sure Wells Fargo doesnt close the account until all the funds were transferred and they still did. I asked for extension and got denied last time? Why? Why didnt Wells Fargo just extend the closing date? To make sure all the funds were returned. Now, XXXX  months later Wells FargoXXXX  still has XXXX of the transactions {$8200.00}. Im calling and getting a different excuse/lie every time. Last time they closed down my case/complaint, they told me that the money is now available for the sender ( XXXX XXXX ) and that they are going to close my case, well, that was another lie. We spent another XXXX EUR to recall the funds from the senders bank and the bank ( XXXX  ) in XXXX is getting no response from WELLS FARGO AGAIN? Since day XXXX, Wells Fargo has been telling me that the easiest way to resolve all of this is to have my mother ( XXXX XXXX ) go to Wells Fargo branch with XXXX forms of ID and that will resolve everything instantly and the they will release the funds. That was impossible until yesterday as my mother XXXX XXXX lives in XXXX. My mother XXXX XXXX is visiting us now in USA and so I made and appointment and went with XXXX forms of ID from both of us and Wells Fargo still didnt release the funds??? How is that even possible or allowed???? We want our money back!
Consumer complaint received 2023-12-12
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. (PA)

XXXX XXXX I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

On XX/XX/2019 I tried to withdraw {$800.00} from the atm. The atm gave me an error message and didn't dispense any funds. I check my balance and the funds was deducted from my account even though I didn't receive it. I tried numerous times to contact cashapp by email to file a dispute but no one has answered my email. My cashapp card number is XXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second attempt see complaint # XXXX for reference
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (MO)

When I reviewed my credit report once more, I discovered that the information was erroneous. The credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$6000.00}.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : XXXX XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. 
First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. 
I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX XXXX XXXX we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. 
I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. 
I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. 
I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. 
I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
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)

XXXX, Trans Union, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, Trans Union, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Trans Union, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, Trans Union, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, Trans Union, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2023 I sent in a letter to Equifax asking them to reinvestigate some inaccurate information I found on my report. I asked them to provide me with verifiable proof of these inaccurate accounts, and if they couldnt to Delete the accounts. To this date I have not received a reply.
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

this is part of the other complaint. To add a police report from XXXX XXXX Ga XXXX XXXXXXXX XXXX. XXXX XXXX was kind enough to send me a copy of the original lease. Corporate office in XXXX also told me Genisis does not have me in their computer system as ever having a debt, it is only as XXXX, and that they did in fact sold it to a XXXX party collection agency who do not work for them. The detective looked at the XXXX leases side by side with many different inacuracies and even dated with different dates. He even called and asked XXXX how it could have happened. The late fees for paying late were even different. They forged documents and switched the name on the charges statement to try to get me to pay monies I dont owe and put me on collections on the credit reports. This should be a felony!