davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (CA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Consumer complaint received 2024-05-17
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. (AL)

To delete hard inquires, old address, misspelled names, and provided proof of original contract that has been signed and agreed to because I don't have a contract or agreement with the companies, I have people getting mail in my name and contacting me about my personal information AND I DON '' T stay at the addresses they have listed they have sent a letter with my social security number and other personal information TO THE WRONG ADDRESS Remove accounts under these names - XX/XX/XXXX Hard Inquiries -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX I never lived at these addresses you guys are merging incorrect information on me I have never worked at these places of employment
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: COLLECTIONS USA, INC. (TN)

This company is reporting an account with a person that has my same name but different ssn! If this company can not produce accurate proof that my ssn was is tied to this account it needs to be removed ASAP! This is someone elses account reporting on my credit report and ssn! That is illegal!
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (IL)

I recieved a notification from XXXX about a change to my credit score. WhenI checked i noticed a collections for a company or loan i have no knowledge of. I disputed the entry with XXXX. they are upholding the entry on my creidt file with the folling statement MRS BPO LLC Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I dont know who this company is or what the debt is for
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-12-08
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 did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is Equifax, Credit Bureau XXXX.
Consumer complaint received 2024-01-27
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 (FL)

On XX/XX/year> {$530.00} was taken out of my account from a company called XXXX XXXX XXXX apparently it was for XXXX XXXX for my XXXX XXXX but I applied for FASA and student aid so I would have to pay them for my loans not this company and I know this because I called my XXXX XXXX XXXX  and they approved that they did not know this company and its intention and did not hire them to do this. I did not authorize this purchase what so ever and changed my bank account number so they would not be able to charge me and they still charged me.
Consumer complaint received 2023-08-04
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

Business checking account account with check written from the account to another business was fraudulently cashed. Wells Fargo failed to start a claim at the initial call for fraud which they are now claiming puts us outside of a 30 day time frame. If they had started the claim when intially they were called we would not be out of the 30 day window. Also, they refuse to investigate a fraudulent check being cashed and we will be without the money if they are unwilling to help us. 

Check # XXXX Deposit Fraud Timeline Check was written and mailed to XXXX XXXX on XX/XX/2024. Check cleared on XX/XX/2024. We happened to catch error on XX/XX/XXXX when we followed up with XXXX XXXX to ask about double payment on our part. We initiated an investigation immediately upon identifying fraud had occurred. 

XX/XX/XXXX Accountant determines check # XXXX of XX/XX/2024 cleared on XX/XX/XXXX XX/XX/XXXX learned from XXXX XXXX that had not received payment XX/XX/XXXX XXXX XXXX confirms did not receive payment and states they do not sign checks, but have official stamp ; confirm that check was cashed fraudulently XX/XX/XXXX Admin contacts Wells Fargo which has frozen account and begun investigation Wells Fargo gives confirmation # # XXXX and states I will be contacted in 10 days No contact from Wells Fargo regarding investigation XX/XX/XXXX contact Wells Fargo again to inquire about the investigation and they state they did not create a claim but will now, confirmation # XXXX, and state again I will be hearing from them in 10 days or less XX/XX/XXXX call to Wells Fargo because we have not heard from them regarding the investigation, they escalate the claim and say I will be contacted in 48 hours XX/XX/XXXX Wells Fargo says a call was attempted but I did not receive any call of voice mail. Wells Fargo states the claim will be given to the executive board for review. 

XX/XX/XXXX Voicemail received repeating original letter that they wont investigate the check because of the 30 days. No further contact.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

US BANK suddenly decided to freeze my account with my money in it. After numerous calls I was finally transfered to the right department the agent only told me my account with my money innit is being closed and I will receive the funds amd a letter from them explaining the account closure in 3 MONTHS!! I HAVE BILLS I NEED TO PAY TODAY!!! But they don't care about the customers!!! I spoke to someone else who said it's due to unsuccessful login attempts ( me ) and for a couple XXXX transfers to my other bank account which I confirmed that was me and it still doesn't matter they are closing my account and I will get a check from them and a letter in About 3 months so I have to wait until then to get my money back. I HAVE BILLS TODAY AND ALL MY MONEY IS IN THAT ACCOUNT FROZEN FOR UPTO 3 MONTHS!!! I will tell everyone I know about this and to switch Banks. NEVER TRUST US BANK
Consumer complaint received 2024-02-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I was looking at my credit alerts and there was a large drop of XXXX points when I looked up the company and called they said they were a debt collector. I informed them I have not received anything in writing for them or have spoken to them on the phone. I have no way of validating their request and need something in writing from the company the representative was angry at my request and immediatley stated he will put refusal to pay and when is said thats not true Im requesting more information he hung up. I called back and asked to speak with a supervisor who was also very rude and stated they do not have to send me anything in writing or speak to me on the phone and they will continue there debt collection process unless I give her my credit card information now. I was advised not to give credit card information without anything in writing and I was told I needed to speak to them before they went against my credit. They stated that I owed XXXX dollars this is under XXXX dollars yet theres lack of communication and refusal to validate anything has hurt my credit XXXX points
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: GLOBAL CREDIT UNION (AK)

Consistently having issues with balances not updated and correct. For example, I used the atm and my balance was not unchanged but it showed the atm withdrawal. This makes no sense. Ever sense the merger. Then a couple days later XXXX get an overdraft fee. This is not correct and Global Credit Union is scamming people. I think a class action is needed. Im slowly moving over to a REAL CREDIT UNION
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent letters and disputed this account multiple times. They came back as " verified '' without any proof. I have received a letter from XXXX XXXX stating there is errors and the account must be removed. This is the final attempt before my lawyers will be involved.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I called today XX/XX/XXXX Citizen Bank to ask about a hold I had when I tried to transfer money from this Savings account I have with them One Deposit Savings and they had mentioned that this is due the account is dormant, and thats why I have been getting Dormant Account Fee for {$5.00} every month since XX/XX/XXXX. 

The original story is that I used to have a savings account with XXXX that I opened in XXXX and in XXXX XXXX was acquired by Citizens, so they transferred my money to a new savings account with Citizens Bank. According to the guidelines from Citizens Bank website, account is considered dormant if theres hasnt been any activity for 2 years. But when I asked the representative and her manager about why my account is dormant, since according to the guidelines, my account is opened in XX/XX/XXXX and it hasnt been 2 years yet to be considered dormant, they voiced that the account open date is XXXX ( my XXXX account open date ). I asked them how it is possible to consider my XXXX account open date as my Citizens account open date, and that I shouldnt be charged for all these months since XX/XX/XXXX till this day because I havent been with the bank for 2 years. 

Manager only offered me a refund of 6 months ( {$30.00} ) out of the total amount ( {$90.00} ) and refused to do any further escalations when I asked him to.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MO)

Opened a discover credit card to take advantage of an interest free balence transfer of 2 credit cards we had to pay them off. 
We gave our daughter a card so she could use it if she needed gas or groceries as she was in the middle of a divorce. 
Our first bill arrived with XXXX and XXXX XXXX charges that we never made.Also there were payments on the card that we did not make! We put a freeze on the account on XX/XX/XXXX But Discover stated the freeze was taken off the same day! 
We reported fraud to Discover and they started to investigate. Discover sent a list of transactions they believed to be fraud and ask if these transactions were ones we disputed and to cross off any that were legitimate. I verified these over the phone at XXXX with discover security agent XXXX in XXXX. She said all these would be taken off my account. 
But I received a letter from discover XX/XX/year> stated they concluded no fraud. They also stated they are sending me a new account so I can pay over {$23000.00}. to Discover on a credit card that had a {$10000.00} limit! Please help there is no way I can pay this nor should I be forced to since most all of these transactions were fraudulent!
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

On XX/XX/XXXX contacted US Bank about some charges that should not have occurred by a vendor resulting in fees access by the bank. I explained to the bank that the vendor had been notified and that they were refunding the charges, the customer service rep told me that it takes 48 hours for them to see the refund and when it appears then the bank would remove the fees and that I should see the removal of the fees on XX/XX/XXXX and I didn't need to do anything else. The vendor did in fact refund the account on XX/XX/XXXX as agreed. 

On XX/XX/XXXX I received a letter from US Bank indicating that the account had been closed for being overdrawn and that I owed {$59.00} to a collection agency. On XXXX XXXX I contacted the XXXX XXXX in XXXX XXXX, XXXX  and spoke to teller inquiring about the letter she pulled the account up and saw the refund and transferred me to a manager at this point the manager indicated that this was not their branch 's account and had XXXX from the XXXX branch call me. We discussed the letter and he agreed to waive the collect fees but couldn't reopen the account however, if I wanted to open another account I would need additional money to do so. I contacted the collection agency about the fees and they said just let the bank know that I had talked with recovery and since it was a bank error they should take care of the account. 

After careful consideration I decided that I shouldn't have to come up with more money to reopen an account and that the XXXX in fees that the bank charged should be used to open another account. I went into the XXXX branch and spoke to the rude manager who again said I needed to talk to XXXX at XXXX because the account didn't belong to that branch and wouldn't you know it right after I left her office who calls but XXXX stating that he over spoke when he said that he could waive the collection fees, something about he sent it in and it can't be done, I did ask for a copy of the request and he claimed that since it was online form that he couldn't send it to me. I tried calling the customer service number and spoke to XXXX said that once an account is close that nothing can be done she stated that 2 letters were sent out to me but I never got them because I would have responded. I asked for management but she put me on hold and eventually hung up on me.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Dear XXXX XXXX XXXX I am writing to formally dispute inaccuracies in my account reporting and address serious violations of the Fair Credit Reporting Act ( FCRA ) by your institution. Please note that I have already filed a complaint regarding these matters with the Office of the Comptroller of the Currency.

Your records erroneously report late payments on my account, which is not only inaccurate but also a clear violation of my privacy rights under 15 U.S.C. 1681 Section 602. Additionally, you have furnished my account information without my written consent, contravening 15 U.S.C. 1681 Section 604.

As a remedy for these violations, I am requesting : A financial compensation of {$3000.00} for the damages caused. 
Immediate correction of my account records to reflect that all payments are current and have never been late. 
Furthermore, pursuant to 15 U.S.C. 6802, I hereby opt out of any and all authorizations for sharing my personal and financial information, including any previously given consents, whether written, unwritten, verbal, or non-verbal. You are not authorized to share my information under any circumstances henceforth. 

I expect prompt action on these issues, including written confirmation of the account corrections and acknowledgment of the compensation. Failure to adequately address these concerns will result in further action. 

Thank you for your immediate attention to this matter. I anticipate a response within 30 days of this letters receipt. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/2023, I visited XXXX XXXX ( a grocer/vegetable store ) I was putting items in my cart including a bottle of XXXX oil in my cart. a lady, whom I later think is the manager, came up to be, took the bottle of oil from and cart and said " you should not have this in your cart I will keep it for you at the register '' and she took the bottle of oil from my cart.

I continued shopping, when she again came to me and said I broke a bottle of the oil to which I said no, no I did not. She said she saw me on the camera. I told her to show me the footage since I know I did not break any oil.

She then said one of her worker saw me. I said that's not true I did not break any oil.

I continued shopping, then went to check out at the cashier register. At the register I gave all the items in my cart to the cashier ( the manager was next to cashier ). the cashier cashed all the items including the bottle of oil which was for {$39.00}. ( see receipt # 1 ). She gave me all the items except for the oil. I asked her several times for the oil, the manager said I paid for the oil. I said where is the oil I paid for she refused to give it to me. I then paid again for a bottle of oil which was given to me.

I told her I did not break the oil and I will report it to my bank because she charged me for {$39.00} for a bottle of oil which was not given to me.

I reported this matter to capital one ( Claim XXXX # XXXX ) and disputed the XXXX on the receipt # XXXX. I requested that the vendor show proof/evidence, the camera footage showing that I broke the bottle of oil.

Capital one told me that they have investigated it and refused my claim for the refund {$39.00}.

Capital one further told me that I will have to show them evidence that I did not break the oil or that he Oil was not given to me.

Attached are the vendor document submitted to capital one and the email from capital refuting my claim.

Thank you for you serious investigation of this matter since in my opinion there was no investigation conducted by capital one. the vendor did not submit any evidence to substantiate her claim, yet capital one sided with the vendor.