davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$450.00}
Consumer complaint received 2023-06-15
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. (NC)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (UT)

I have complained to the credit union directly, to the CFPB on Equifax and now again on all 3 of the bureaus and had to file a formal complaint against the credit union for misreporting info to the bureaus, not fixing it when I contacted them 3 times and for the bureaus also not correcting their errors. The XXXX account shows different paid off dates from all 3 bureaus. How is it possible I paid off the account on 3 different dates???? I would love to hear the explanation to that one! Equifax can't seem to understand how to reflect a correct payoff date on my paid off, closed auto loan. Their date is totally different AND WRONG from XXXX and XXXX! They at least got those dates correct. Now it's time for all to get the information correct or remove the accounts from my credit per the FCRA laws for which all 3 and the credit union are in direct violation of!!!! I'm tired of playing games with all 4 of you. If this garbage is not corrected or removed from my credit by the time I run my next report on XX/XX/16 then I will go forward with suing all 4 of you. This is not rocket science! Don't attempt to lie or close my complaint as a " duplicate '' because I've already reported the CFPB to my local Congressman who opened an investigation into them, for not following their own rules and laws! That's pending. I don't have a problem including them in the law suit either! All of you deserve to be sued because you're all stupid and think you can abuse the laws and no one will call you out for it! I will! This game playing is going to end effective immediately. Fix it or risk being sued, all of you! I told the credit union the same and I'll send their legal paperwork directly to the CEO in an effort to get them fired for not fixing a simple problem, that should've been done months ago. Instead I've filed repeated complaints here and now with the XXXX  which is my 3rd or 4th complaint to the credit union. Enough is enough, if I have to send the loud and clear I'm not beyond doing it.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (AL)

When I reinvestigated my new updated credit report, I realized that the same account was erroneous. The 3 credit bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$440.00}
Consumer complaint received 2024-06-10
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. (TX)

You inform me to contact the creditors and I have done so. According to FDCPA 809b you are required to update these accounts until they validate. I have requested validation and they have not produced it. Please update them now : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$39.00}. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness on the information to my address provided.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Some one gained access to my personal information and ran a hard inquiry at XXXX XXXX XXXX XXXX XXXX XX/XX/2024. Also someone ran a hard inquiry through capital one the following day XX/XX/2024. I don't have capital one credit card anymore it has been years
Consumer complaint received 2022-11-27
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. (LA)

Ok first I am a victim of identity theft and I know this started with my XXXX phone account that I opened last XXXX. I tried over and over to get XXXX to stop the people who hijacked my account. There were things ordered account info changed and thousands of dollars that I had nothing to do with but XXXX did nothing but bill all that fraud activity to me in which we had this laughable arbitration XXXX that I had no chance to win if XXXX was not made to give all the many calls I made to them there fraud department and many more. This took place until I stop paying and my account was closed. Now there are XXXX collections on my account. I am a United States XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and served with honors, I cherish this democracy and firmly believe in responsibility, but there is nothing fair about how this is happening to me I found out were one phone that was bought on my account is in XXXX XXXX XXXX with the DA until they are done with there investigation. He told me there was no guarantee I will get it back at all but XXXX charged me for that phone it is clear it was stolen but they don't care I'm looking at a derogatory collection that hurts my chances at any credit and being on a set income that hurts. Please help me get this resolved.
Consumer complaint received 2022-11-16
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. (CA)

This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating XXXX for their headstrong nonfulfillment of the FCRA XXXX. Under Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) XXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected PRONTO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

Discover bank hired XXXX XXXX to collect a debt. I never signed a contract for my information to be shared with anyone. They have not provided me with a contract. They also admitted to hiring the third party agency without my consent or knowledge which under 15 USC 1681b is prohibited. They also stated they went through XXXX which my XXXX has been frozen since 2021. What they are doing is fraudulent and Idenity theft. I would like Discover to provide me proof that I agreed for my Information to be shared or sold to a third party XXXX XXXX  How did they verify on XXXX when I opted out in 2021 of XXXX.
Consumer complaint received 2023-03-03
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. (NY)

I noticed one collection account " XXXX XXXX XXXX, on my TransUnion credit report that does not belong to me : XXXX XXXX XXXX ... XXXX ... XX/XX/2023. 

I DO NOT OWN THIS ACCOUNT OR DO I KNOW OF THIS ACCOUNT. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

I visited a Bank of the West BMO ATM on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA on Saturday XX/XX/2023. I entered my Debit Card ( from a different bank ), and the ATM proceeded to reset. It reset 3 times without releasing my personal debit Card. I called the XXXX BMO number that was listed on the ATM for assistance. I was told " BMO can not help you ''. I, therefore contacted the bank via their direct number for the branch. They did not have a voicemail to accept after hours questions or concerns. I checked the branch location site for an email for general questions. There was none. There were no listed email addresses for any of the employees. I left a complaint on the customer service survey and asked for the branch to give me a call. I tried to call again today on Monday and have not received a response ( XXXX ). I waited in 100 degree heat for the ATM to reset and release my card. It shut down after the 3rd reset and did not release the card. I was able to contact my bank and they cancelled the card and will mail a new card, but I am without the ability to get cash in the interim period due to the failure of Bank of the West and their transition to BMO. If the ATM is not able to process the transaction, it should release the card immediately. I would like some confirmation that my card has been received and has been destroyed properly or returned to me.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PR)

On or about XX/XX/ WELLS FARGO automatically and unlawfully froze my checking account ending in XXXX with a faulty fraud detection program, and then gave me little recourse when there was, in fact, no fraud. WELLS FARGO failed to live up to its legal obligations for a wire transfer. WELLS FARGO engaged in unfair and abusive acts and practices that resulted in me losing access to my life savings and not getting my protected government ( XXXX  ) benefits, when I needed the money the most. Instead of conducting reasonable investigations, it implemented a fraud filter with a simple set of flags that automatically triggered an account freeze, which happened in my account being frozen. This set a low bar to freeze and the bank also retroactively applied its fraud filter to deny me wire transfers, which left me in the lurch. According to the UCC - ARTICLE 4A - FUNDS TRANSFER and under the Electronic Fund Transfer Act, consumers are protected when they use electronic methods to transfer money ; this includes ACH deposits.

Protections include that after a consumer contacts the financial institution that there has been an error, the financial institution must conduct a prompt, reasonable, and timely investigation. However, WELLS FARGO made it very difficult for me to unfreeze my account. I have been on hold for hours every day for weeks trying to talk to someone at the bank. Furthermore, the bank told me they had agents available 24 hours a day, seven days a week, when, in fact, it operated a more limited schedule for its call center.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TX)

I signed up for a checking account based on a promotional offer that was advertised online. I met the necessary requirements to receive the advertised bonus, however, US Bank stated it was a direct marketing campaign and was only valid for targeted individuals. I believe this was intentionally deceptive advertising as I think any logical consumers would consider themselves to be targeted if it was advertised to them online. 

Below is the excerpt they stated disqualified me from receiving the bonus despite meeting the requirements : " This offer is valid for the intended recipient only and is not transferable. Restrictions may apply. Promotion code may only be used once. Bonus will not be paid if promotion code is retrieved by unintended recipient or if promotion code is retrieved from a deals website. '' I requested a review of my account which was decided on XX/XX/2023 when they stated I was not an intenteded recepient of the offer.
Consumer complaint received 2023-03-03
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. (MA)

In accordance with the Fair credit Reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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.

15U.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 belielve that the information is inaccurate
Consumer complaint received 2023-03-10
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. (NJ)

My Name is XXXX XXXX I have been fighting with Experian for months. I was told can no longer dispute the incorrect information please help with this matter.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Cap One is refusing to close the XXXX  checking account I have with my XXXX, and they are refusing to return the balance on the account to me. 

On XX/XX/XXXX, the account was compromised via a mobile app hack, a fake check was deposited, and Cap One placed a lock on the account. 
On XX/XX/XXXX, I called Cap One to resolve the issue and spent XXXX minutes on the phone with them before I had to hang up and return to work. The issue was not resolved. 
On XX/XX/XXXX, I spent XXXX minutes on the phone with Cap One. The Cap One agent refused to close the compromised account unless I'd allow him to interrogate my XXXX  child. As the accountholder on the account, and the guardian of my XXXX  child, I refused to allow him to interrogate my XXXX  child, but offered him my full support. The was unable to offer me any proof that me or my XXXX  were involved in the XX/XX/XXXX fraud. The agent refused to close the account and refused to refund my XXXX XXXX savings. 

Please help me close this compromised account and get my XXXX XXXX money back.
Consumer complaint received 2022-11-21
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. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 0XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (MD)

In XXXX, XXXX I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/2023 and the items were successfully shipped back to the merchant. 

The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( Synchrony Bank ). Per Synchrony Bank, the dispute was CLOSED on XX/XX/2023. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT **THREE TIMES** yet the case remained OPENED and UNRESOLVED. 

I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT ( Synchrony Bank ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! 

XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. 

PAYPAL and PAYPAL CREDIT ( Synchrony Bank ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls!