davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (TX)

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, XXXX, AND TRANSUNION HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND TRANSUNION, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
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: EQUIFAX, INC. (NJ)

Remove all fraudulent and inaccurate accounts from my credit report. 
XXXX any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2023-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

Subject : Urgent Request for Credit Investigation and Resolution Dear Capital One Customer Service, I am writing to express my extreme dissatisfaction with the handling of my recent fraud case and to request an immediate review and resolution of the matter. I believe there has been a significant oversight in the investigation, and I implore you to thoroughly reevaluate the evidence and rectify the situation promptly. 

On [ date ], I reported several fraudulent charges on my Capital One credit card. I expected a comprehensive investigation that would uncover the truth and provide me with a fair resolution. However, I was shocked and deeply disappointed when, after just two days, my application was denied, and I was accused of being involved in the fraudulent transactions. 

I want to emphasize that I am not involved in any fraudulent activity and have always been a responsible and loyal customer. The speed at which this decision was made without proper examination of the evidence is deeply troubling. It appears that my case was not given the attention it deserved, leaving me feeling unsupported and wrongly accused. 

I kindly request that you reopen the investigation into my account and credit history to correct this grave error. I urge you to carefully review the evidence, considering all pertinent information and any additional evidence I may provide. I believe this thorough examination will reveal the truth and exonerate me from any involvement in the fraudulent charges. 

Furthermore, I request a transparent and empathetic approach to addressing my concerns. I expect clear and open communication throughout this process, keeping me informed of any progress or updates. It is crucial that Capital One takes my case seriously and demonstrates a genuine commitment to customer satisfaction. 

I have been a loyal customer of Capital One for [ duration ] and have always appreciated your reputation for excellent customer service. However, this recent experience has shaken my trust and confidence in your services. I sincerely hope that you will take this matter seriously and work diligently to restore my faith in your institution. 

I trust that you will thoroughly investigate this issue and provide a fair and satisfactory resolution. I eagerly await your prompt response and a clear plan of action to address my concerns. Failure to do so will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-10-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (WY)

my name is XXXX XXXX and i had account with wise.com. My account details is AC No : XXXX ( USD ) ACH and Wire routing number : XXXX I am running XXXX XXXX XXXX in XXXX which is register and verified XXXX XXXX address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX I keep on getting payment from my clients for the XXXX ads services. 
Yesterday wise account got suspended without any pre intimation and my amount has been hold which is around $ XXXX USD. 
I request you please look into this and get my fund released asap.
Consumer complaint received 2023-10-12
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: HEARTLAND PAYMENT SYSTEMS INC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am submitting this formal complaint against TransUnion concerning their continued failure to remove and correct inaccurate information on my credit reports. Despite my repeated efforts to address these inaccuracies, this Credit Bureau has failed to take corrective action, thereby violating the Fair Credit Reporting Act ( FCRA ) and causing undue harm to my credit standing. 

The inaccuracies in question include, but are not limited to : Incorrect Addresses : The presence of undeliverable addresses that I do not and have never resided at, which remain on my credit report despite requests for their removal. 

Incorrect Contact Information : Phone numbers listed in my credit file that are not associated with me have not been removed, despite multiple notifications of their inaccuracy. 

Old Employers : Previous employers that no longer reflect my current or most recent employment status continue to appear on my credit report, and I have requested their removal without success. 

Inaccurate Variations of My Name : Inaccurate variations of my name have been linked to accounts opened in my name as a result of identity theft, which the Credit Bureaus continue to report despite being provided with supporting documentation to dispute the information. 

I have taken the following steps to resolve this matter prior to submitting this complaint : On multiple occasions, I have contacted each Credit Bureau by phone, requesting the correction and removal of this inaccurate information. 
I have sent certified mail with supporting documentation to each Credit Bureau, requesting that these errors be corrected in accordance with FCRA guidelines. Despite these efforts, the inaccurate information continues to be reported. 

The continuous reporting of incorrect personal information, undeliverable addresses, and variations of my name associated with fraudulent accounts have caused significant harm to my credit score and personal credibility. This constitutes a clear violation of the Credit Bureaus ' duty to ensure accurate reporting and failure to properly investigate and correct inaccuracies as required under FCRA, 15 U.S.C. 1681i. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to : Investigate the failure of TransUnion to comply with their legal obligations under FCRA. 
Require this Credit Bureau to remove the incorrect addresses, undeliverable addresses, inaccurate phone numbers, old employers, and variations of my name associated with fraudulent accounts. 
Ensure the correction of my personal information across all credit reports held by these agencies. 

Please acknowledge receipt of this complaint and inform me of the steps that will be taken to resolve these violations of the FCRA.
Consumer complaint received 2024-10-16
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. (CA)

Please see the attached document regarding proof that the XXXX XXXX Police Department has received my FTC Identity Theft Report as evidence of my dispute, along with my FTC Identity Theft Report and proof of identity.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (TX)

We were provided the 10 day payoff but the representative provided a business office address which was incorrect when relating to where the pay off checks are to be mailed. We XXXX the total loan amount in the form of a cashiers check. When they received the check, they then stated we did not endorse it ( which was false ) and sent it back to us via regular mail. When we received the returned check, we confirmed it had in fact been endorsed and we immediately sent it back yet again to the pay off office via USPS overnight. After applying the check to the loan amount, bridge crest stated that we had accrued additional interest due to the delays in payment. We called numerous times and were given different replies on each call. We were advised the additional interest would be waived and then advised it would not be waived. Our last communication was they would not remove the fees even though their notes reflect their error. They still have our vehicle title and state we owe them {$200.00} for additional interest.
Consumer complaint received 2022-10-31
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. (PA)

Pursuant to the Fair Credit Reporting Act, Congress states that TransUnion who is a Credit reporting agency has assumed a vital role and the banking system is dependent on the fair and accurate reporting of consumer 's information. I did not give TransUnion initial written consent to furnish and report my non public information in which is a result of identity theft. TranUnion has done so without Permissible Purposes from the consumer in violation of the Fair Credit Reporting Act. TransUnion is reporting inaccurate accounts of alleged debt in a positive balance, alleged transactional history between the consumer and the creditor. I demanded these items be deleted and TransUnion failed to do so, they can not receive verification from XXXX  XXXX for I am the only competent witness with firsthand knowledge and facts. My information is being reported under false pretenses with the collusion between TransUnion and XXXX XXXX XXXX XXXX was sent a dispute letter and has not verified any alleged debt.
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

Radius Collections is attempting to collect a debt from me as an individual on a corporate apartment utilities account from XXXX XXXX. The name on this account also does not match mine or any name I have ever had. This has caused a decrease of my credit score on XXXX and XXXX credit bureaus. XXXX has removed this after their investigation. I ask this be removed from my credit reports. This debt does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Santander Consumer USA Holdings Inc. (IL)

Ive submitted multiple complaints on this company and have yet to recieve my check in which they owe! They could not validate anything and they recieved my Cease and desist which they applied to the account. That alone lets you know that this company is aware of all the consumers it keeps violating yet chooses to continue. The lawsuit they recently sued for? Theres no question why! Theyve been practicing deceptive practices for years and now Im a victim. Im trying my best to be patient and settle this outside of court with this company but I need to recieve a check within the next 25 days!
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National credit systems has been reporting an account I have been trying to resolve with them for 2 years now as a rental collection. I have disputed on several occasions that this is not my debt and I have no knowledge of this debt and requested more than 8 debt validations and still no response but continues to report on my XXXX credit report as verified and valid although this has never been verified and no validation has ever been sent to me. This is a direct violation of my rights as a consumer and can be fined and fee 'd for such violations. National credit systems is reporting a debt in the amount of {$1100.00} for an account number of XXXX. I want this off of my credit immediately.
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (TX)

I am disputing a debt against affirm because I didnt receive the product from XXXX XXXX XXXX XXXX  XXXX XXXX already resolved my claim and refunded half of the charge. I submitted a company with the XXXX and the response came back resolved and the representative stated that Affirm  should take that response inconsideration and charge back XXXX XXXX. I have submitted documentation where I have not received anything from them and I believe this company is a scam.
Consumer complaint received 2024-03-22
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. (NM)

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.

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 2021-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MS)

I ask that the charges XXXX  on my account be verified and validated, since I didn't recognize the apartment name or complex. I thought this was the way to get this removed. My credit info has been breached on several occasions by XXXX Email System, XXXX XXXX Visa, and XXXX. So my personal information has been leaked and has been used to make purchases and fraudulent credit line attempts. I was recommended that I contact CFPB and fill out a Affidavit with Identitytheft.gov.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this Bankruptcy on XXXX. Also, I included information from the XXXX XXXX XXXX XXXX. Per the new Public Record Credit Reporting Standards Law that went into effect on XXXX XXXX, XXXX, states that public records including Bankruptcies will not be reporting on credit reports any longer.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (MI)

I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-31
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. (MI)

I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the original contracts note or other instrument bearing my signature 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 Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I am reaching out in regard to my XXXX plan and how my monthly payment was calculated for my student loans. I believe my servicer Nelnet have wrongfully calculated my monthly payment. I had spoken with the Department of Education, and they informed me to follow the self-certification process on XXXX, which I followed and processed back in late XXXX. They informed me that I only needed my 2022 tax returns, which I provided. I called Nelnet and they told me submit my tax documents for them to re-calculate as well. 

I have attached my student loans application and tax return for your info. 

I have waited for months for updates on the recalculation because based off my 2022 tax return, I make less than XXXX which qualifies for the XXXX XXXX monthly payment. Thank you.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MD)

I reached out to a number of Goldman Sachs staff including the CEO 's office and no remedy to properly adjust my interest rate on both cards to at least 6 %. I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly. My issue is simple, I am a XXXX XXXXXXXX on XXXX XXXX. I have been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case for my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (MA)

6. I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from AFFIDAVIT attached ) *****