davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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)

I filed a dispute claim with Trans Union regarding a chargeoff that was placed on my credit report by XXXX XXXX XXXX. It had been deleted in XX/XX/XXXX because XXXX XXXX XXXX did not respond in the time allowed but was added back to my credit report in XX/XX/XXXX. The claim made by XXXX XXXX XXXX is bogus because the money that they claim that I owe them was already paid to them. I included proof of payment in my dispute with Trans Union but they went ahead and sided with XXXX XXXX XXXX and left the charge off on my report stating it was varified accurate just because they were told by XXXX XXXX that it was they did not ask for any written proof to prove my claim was inaccurate.Nor did they submit my proof to XXXX XXXX to prove otherwise. Trans Union stated to me that they are just a middle man service and suggested that I contact CFPB for further assistance with my dispute. So I am sending you all of my documentaion to support my claim.Along with the information involving this issue. 
In XXXX of XXXX I contacted the customer service deptment from XXXX XXXX XXXX, and notified them that I was closing my account with them and no longer wished to do business with them due to the fact that in my opinion they are only in business to steal your money and after reading the houndreds of complaints filed with the XXXX many other people share my opinion as well. Merchant XXXX is a credit card reading service that I obtained because I was opening a business where I would be needing such a service but due to covid -19 I was not able to start it but XXXX XXXX continued to charge me month after month for doing absolutley nothing! When I finalley realized that they had been taking money from my bank account I contacted them and terminated my account as I stated earlier in XXXX of XXXX. In XXXX of XXXX I recieved a letter from them stating that I had to notify them in writing in order to close my account which was never told to me in XXXX. So they continued to charge me fees for XXXX, XXXX, XXXX and XXXX of XXXX and they also were charging me a fee for a card reader that was offered to me free of charge as a promo bonus gift for signing up with them. The fees were paid as you can see in my bank statements and the card reader fee is ridiculaus because that was given to me for signing up with them in total XXXX XXXX XXXX,. recieved over XXXX in fees that they took from my bank account for doing absolutley nothing as far as providing a service for me including the money they say I owe them in the charge off they reported to Trans union.
Consumer complaint received 2021-05-11
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: Santander Consumer USA Holdings Inc. (GA)

XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} Santander
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I was the victim of an elder wire fraud scheme between XXXX. I contacted Chase promptly on XX/XX/XXXX seeking assistance reversing the fraudulent wires. I initiated a claim of fraud Chase Electronic Money Movement Recall Department on XX/XX/XXXX and spoke to a representative who gave me case numbers and told me that it would be 10 business days to recover funds. I followed up with this department on XX/XX/XXXX and was told that there were no updates on my fraud claims and to follow up on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and was told that nothing was recovered and nothing further could be done to help me. 

My daughter got involved in XXXX XXXX. She managed to connect with an agent in the Chase " vulnerable adults unit '' and learned that my case was NOT routed to the vulnerable adults unit in XX/XX/XXXX and no attempts to reverse the fraudulent wires were made until she got involved, which was over two months after I reported this to Chase and sought their help. I am at a loss as to how Chase representatives indicated this was being worked on and yet precious time when these wires could have been reversed was wasted.
Consumer complaint received 2023-05-12
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-01-26
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: CBC Companies, Inc. (VA)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FACTUAL DATA, Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2022-12-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

CFPB CASE NUMBER XXXX THE CREDITOR DID NOT RESPOND TO MY COMPLAINT WITHIN THE 30 DAYS AS REQUIRED BY LAW.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

On XX/XX/XXXX I purchased a engine for {$1900.00} from XXXX XXXX XXXX. I never received my purchase so on XX/XX/XXXX I filed a dispute with RELIA CARD US BANK AND THE INFORMED ME IT WAS A 120 day process I called frequently to check the status I even sent them invoices proving my case in XX/XX/XXXX so on one of the calls to cardholder sevices on XXXX XXXX I learn I was granted permanent credit on XX/XX/XXXX but the funds never hit my account so the representative on the call Escalated my first ticket advising me to call back in 24 hours so I called back on XX/XX/XXXX and they said it was no update and the did a second escalation ticket that would take 3-5 days when I called back still no answers on where my funds are and whats going on I also learned I was supposed to receive a letter correspondence saying my issue was resolved and I would get my funds but they keep promising the letter but it has yet to be sent out PLEASE HELP I REALLY CANT BELIEVE THEY HAVE GIVEN ME MISINFORMATION FOR 5 months and still leading me on after I WAS GRANTED THE CREDIT ... THEY KNOW IT NEVER CAME TO MY ACCOUNT THEY REFUSE TO ACTUALLY HELP THEY JUST TRANSFER THE CALL TO A DEAD LINE OR ANOTHER PERSON WITH MISINFORMATION PLEASE HELP ME
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX I have a credit card with Capital one. My last payment of credit card was in XX/XX/. I received a judgement for {$1500.00} dollars on XXXX XXXX thorough XXXX County Texas. I had not received any letters or calls prior too this judgement. Not even one voicemail or email. Including letters. I am unemployed. Over a XX/XX/XXXX dollar with no attempt of trying to even reach out is discriminatory.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (DE)

XXXX, XXXX and XX/XX/2021 Carter Young Inc was notified by phone and email that the account associated to me is fraudulent. I submitted a police report and ftc report yet they so keep harassing me and the account is so on my credit report. I do not owe any amount to Carter Young Inc
Consumer complaint received 2023-06-01
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)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification.

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report.

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements.

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law.

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution.

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute.

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

On the night of Friday, XXXX XXXX, Ive received an alert from XXXX XXXX that Ive received an hard inquiry on my credit score. When I proceeded to check on it, there was a notation that credit was opened at TDBank/Target for an unknown amount. Saturday morning XXXX XXXX, Ive contacted XXXX and TD Bank and yes, it was true. An alert was placed on my credit record as per XXXX Saturday I was contacted by Target Customer Services asking if I have opened a credit card from them? I told them that I did not and was told that the transaction was not approved anyways. They were alerted by TD Bank of what was happening. I have also contacted my bank to make them aware of what was happening. The person apparently had my correct Driver License number and my social security number but no email on file I was told by Target Customer Services.
Consumer complaint received 2021-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

There was an unauthorized transaction in the amount of {$2300.00} on XX/XX/2020 from company named XXXX XXXX. I have no knowledge of the transaction and did not authorize this charge. I disputed this charge with Citibank already, but they ruled in the opposing parties favor. I am 100 % sure this transaction is not mine, please assist in fixing this issue.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, my account with BBVA was locked, and has not been opened again despite multiple attempts to contact them. The phone number they provided does not work, and disconnects after saying " we're experiencing difficulties, please try again later. goodbye ''. My card is being declined everywhere, and I am unable to access my money or log in to their online banking system.
Consumer complaint received 2021-03-22
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: EQUIFAX, INC. (CA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (AZ)

Reference : COMPLAINT ID XXXX I've reviewed the updated background report from First Advantage Background Services Corporation. 

They've reported to me that they've removed all outdated information that exceeded 7 years old. They send me an updated copy of my report, and I found that there was still outdated information still being reported. 

I've attempted contact with First Advantage Background Services Corporation, with negative results. They havent responded in weeks. Therefore I'm following on to the next step wotj CFPB.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (OK)

I transferred {$1000.00} from my XXXX business account, as I have the past several months into my Chase personal account. I had more than {$1000.00} in my business account I requested the transfer from, which was initiated on XX/XX/2021 and didnt reflect in my personal checking account until XX/XX/2021. The funds showed to have cleared my external business account without any issues on XX/XX/2021. On XX/XX/2021, Chase initiates another transfer request from my external business account, although the {$1000.00} was already sitting in my personal checking account. This request gets a code back that states Insufficient Funds which would be correct, since the money had already been transferred out three days prior. On XX/XX/2021, the {$1000.00} is reversed from my personal checking account and the notice I received said it was due to insufficient funds. I started out by calling XXXX, which they were able to confirm this was all done by Chase. They also provided me a letter stating the funds cleared on XX/XX/2021. I called Chase next and spent the remainder of the day, until XXXX trying to get answers and my Money back into my account. I was absolutely furious with the call center in the XXXX, as it appears thats the only call center you get, even when you request a manager. I was left on hold three different times, all for 20-30 mins each. I was left on hold a few other times, where after several minutes, the music stopped and the line disconnected. I cant even tell you how many times this happened. I called 20+ times, talking to different reps, managers, supervisors, all mainly in the Philippines XXXX I finally spoke to a manager in XXXX, who was extremely professional, helpful and made sure I got taken care of. After he filed a claim for me and marked it urgent, I received a call from XXXX from the research department. XXXX had a power trip from the beginning. She took pride in informing me that they would not be issuing me provisional credit and it would take up to five days to complete the research. I pleaded with her and told her that was unacceptable and this was clearly Chases error, not mine. I told her I was traveling out of town this weekend and needed that money in my account. XXXX didnt really care and refused to let me speak with her manager, said her manager was for administrative things only. I asked at least 10+ times to speak with a manager and she refused, saying she was the final day and nobody would give me a different answer. By this point in the call, Im furious and its pushing XXXX, so I told her exactly what I thought about her and her attitude. I quoted this entire issue is a UDAAP, because its absolutely unfair, deceptive and abusive. The way Ive been treated is completely unacceptable and have never been treated this was by any financial institution. I told every rep I spoke with I would be filing a CFPB complaint if I didnt have my money by end of day. I even gave them Saturday to call me, but never heard a word.
Consumer complaint received 2023-01-04
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. (NE)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (GA)

This Elan Financial Services CREDIT CARD, TradeLine limit {$1500.00}. XXXX collaboration with this TradeLine is still showing Open with a balance showing {$8.00}, this Closed account is still showing Open by XXXX, Elan Financial Credit Services has confirmed that they dont want to play, they understand my Authority. See I sent them a copy of my ClassAction participation against U. S. Bank v Accountholders. Those boys that Law firm out of Texas are getting ready you take that money from U S Bank, I love it! XXXX take your XXXX XXXX XXXX off that little TradeLine, youre Not Stopping me, Ive got a Plan in place and you, XXXX makes me a Millionaire! Oops side Note I see you XXXX, you got themthere addresses correct didnt you, As for Real Estate section of my Credit Report, XXXX, I make them sing, Ive got the ball in my court, every month that you XXXX Not put that XXXX TradeLine back on my Credit Report, I will continue to make copies of these XXXX XXXX XXXX acts, and guess who will be the Star Witnesses, the Consumer Financial Protection Bureau and the Federal Trade Commissions lawyers, theres Nobody Stopping me, stay tune, Im Good at What I DO!
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my reports from TransUnion, XXXX, and XXXX. 
I found several errors on accounts as well as misinformation across the three consumer reporting agencies. After disputing the information, there's still errors.

It's not possible for the information to be correct " verified '' and different at the same time.

They refuse to provide proof of how they verified the information.

I know this violates my consumer rights.

I would like to exercise my right under -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I am opting out from TransUnion, XXXX, and XXXX from reporting on 7 of the accounts on my consumer report. 

I have provided the proof. 
The seven accounts to be removed from my reports due to Metro2 Noncompliance are as follows : 1 ) XXXX XXXX  - Opened XX/XX/XXXX 2 ) XXXX Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX Opened XXXX, XXXX 4 ) XXXX  XXXX Opened XX/XX/XXXX 5 ) XXXX/ Opened XX/XX/XXXX 6 ) XXXX XXXX  Opened XX/XX/XXXX 7 ) XXXX XXXX Opened XX/XX/XXXX XXXX