davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (CA)

Persolve LLC, now Persolve legal XXXX, XXXX Took me to court because i refuse to answer repeatable calls and robocalls and yes i mail a certify do not call letter, they won the case do to lack of me filing motions correctly The Judge told me in front of them that he had no choice, and they didn't even send me a Notice to appear in court the day of trial Judge ask for it lawyer said he didn't know, The bank they show me is invalid i never had an open account with that bank or the legal group, and no payments have ever been made to any card or debt since 2007 there fore They should not have any type of legal action on me THEY ARE NOT THE REAL DEAL I need the original Contract from the real card holder to say it is my debt but they show only they're own hand made or what ever it is please Show the real contract showing XXXX XXXX  and ended in XXXX with closed ACCOUNT also show last payment on your so called BANK and the purchase, XXXX made by me or open statement.
Consumer complaint received 2023-03-05
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: CLGF Holdco 1, LLC (GA)

In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : CB INDIGO/GF, 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 an account without my written instructions.
Consumer complaint received 2023-07-19
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. (NV)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX/23 I discovered my checking/savings accounts were violated. The total amount was {$6000.00}. Which includes my checking/ savings accounts. I notified Wells Fargo claims department who documented claims. The claims department advised me to close my accounts and get my phone checked for suspicious activity. XX/XX/XXXX23 I went to my local police department they advised me to go to my bank Wells Fargo to close accounts. Same day went to my bank spoke to XXXX XXXX. She reviewed claims said it would take 8-10 business days on XXXX/XXXX/23 I received a letter from the fraud department stating these XXXX transactions were authorized by me and no processing occurred. As such Wells Fargo closed my case. XX/XX/XXXX I met with the manager advising her that I never authorized the XXXX transactions. In fact I never used XXXX services. The branch manager indicated she would escalate my response to obtain a resolution. XX/XX/XXXX I received a phone call from XXXX in the fraud department the claims were denied and she could refer me to another department. She could not assist me further.I went back to the bank the same day. Spoke to XXXX XXXX I wanted the XXXX account removed. She told me it couldnt be removed and claims were closed. She was unable to help me further.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions gross negligence in investigating credit disputes. As a consumer, I have encountered severe issues with TransUnions handling of disputes related to my credit report, leading to detrimental consequences on my financial well-being.

My experiences with TransUnion have underscored a consistent failure to comply with federal laws, particularly the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies, such as TransUnion, must conduct thorough and timely investigations into consumer disputes. Specific grievances include : 1. Failure to Verify Inaccurate Information : Despite expressing concerns about inaccuracies on my credit report, TransUnion consistently fails to verify the information promptly, resulting in continued damage to my credit score and financial standing.

2. Extended Response Times : TransUnions investigations routinely surpass the stipulated XXXX timeframe mandated by the FCRA. This delay has significantly impacted my ability to secure credit, obtain loans, or make crucial financial decisions. 
3. Inadequate Communication : Communication from TransUnion during the dispute process has been insufficient, leaving me uninformed about the status of my disputes and the actions taken. This lack of transparency compounds the frustration and confusion associated with the process.

4. Repeated Neglect : My attempts to address these issues with TransUnion have been met with inadequate responses, if any at all. Their negligence in addressing my concerns has further eroded my trust in the credit reporting system.

I believe that TransUnions gross negligence in investigating credit disputes directly contravenes the FCRA, undermining the purpose of credit reporting agencies to provide accurate and reliable credit information to consumers and creditors alike.

I kindly request that the CFPB investigates these allegations against TransUnion and takes appropriate action to ensure compliance with federal laws and regulations. Moreover, I urge the CFPB to hold TransUnion accountable for its failure to provide consumers with a fair, transparent, and efficient process for disputing credit information.

The impact of TransUnions negligence on my financial well-being is substantial, and I trust that the CFPB will address these concerns seriously to safeguard the rights of consumers like me. I would appreciate updates on the status of this complaint and any actions taken to address the issues raised herein.

Thank you for your attention to this matter and for your commitment to protecting consumer rights.
Consumer complaint received 2022-12-11
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. (NV)

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. 

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # 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 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 2023-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

I had a debt from Discover that is currently with XXXX XXXX XXXX. I contacted them to clear up the debt but I was told that they had to resend the debt back to Discover because they can not collect on it. I am waiting for them to resend the debt back and it is seems like they are ignoring my concerns.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Sys is reporting a collection for XXXX XXXX. I have never done business with either entity. The creditor or collection agency does not have the authority, permission, or consent of the surety to be in contact with the alleged principal debtor XXXX XXXX. There is no evidence to the contrary. 

They also do not have my written consent or instruction to furnish any sort of data or information to any consumer report as I have no relationship, connection, or marriage with either Southwest Credit XXXX or XXXX XXXX. 

Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX, Southwest Credit Sys whether written, verbal, non-verbal, or otherwise is now revoked. 

Any possession of a signature belonging to XXXX XXXX unlawfully in their possession is also rescinded, effective immediately.
Consumer complaint received 2023-09-28
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. (NJ)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$4400.00}.
Consumer complaint received 2023-08-09
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2019-11-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$0.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2018-12-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (OR)

I have a debt collector coming after me for a debt that I admit I have, the problem is that the debt collector is saying I owe over double the original amount. The FDCPA ( fair debt collection practices act ) states ; Collectors can add fees or interest ONLY if the amount is expressly authorized by the agreement creating the debt. Due to the fact that this is a medical bill the original agreement does not have interest or late fees on this debt therefore against the FDCPA regulations. They should not be able to pursue this larger amount of what I originally owe. It is against the law. I have no problem paying the original amount, but they have added so much interest that it is now close to impossible for me to take care of this amount they say I owe.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

My car contract is with XXXX XXXX XX/XX/XXXX. I have paid my car payments every month. 
XXXX XXXX continuously since XX/XX/XXXX fails miserably and refuses to post my monthly car payments on all credit bureaus and correct balance. 
XXXX XXXX continuously posts false information about my account to all XXXX credit bureaus to lower my score. 
XXXX XXXXXXXX continuously posts false information and changes name to XXXX XXXX XXXX, old name in XXXX on XXXX. 
XXXX XXXXXXXX is overcharging me monthly interest and I want a recalculation. 
XXXX XXXXXXXX is not increasing my credit score but DESTROYING my credit score with FRAUDULENT business practices. 
XXXX XXXXXXXX has violated FCRA, 5 USCode 706, and ARS 44-1521 et seq., AZ Consumer Fraud Act.
Consumer complaint received 2024-06-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

I received Social security XXXX on the third of every month. 
This month the bank returned the direct deposit on XX/XX/2024. I was not notified of this. In fact when I called them numerous times and was assured my deposit would post by the XXXX  of XXXX. It did not. On the XXXX  of XXXX I was informed my account was locked by the bank due to " unusual activity '' I was never notified about this and no one can tell me what this means. They did tell me on XX/XX/2024 that my account is no longer security locked or frozen. They did inform me my direct deposit was declined and returned to social security. I was told to just call them and have it redeposited.. it's been two weeks and I still have no money to pay bills and I'm receiving late fees on everything I owe
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is in violation of the FCRA 15 USC 1681d ( b ) TransUnion has failed to disclose the nature and scope of their investigation. TransUnion failed to provide proof from the court as proof of their investigation that I requested on XX/XX/2022, in fact I provided TransUnion with proof from the court that the following account is reporting inaccurately. TransUnion has consistently violated the FCRA and provided myself and the CFPB with false and misleading information, therefore the following account must be deleted as per the FCRA, due to TransUnion failure to complete a proper investigation within 30 days : XXXX BANKRUPTCY/ DOCKET NUMBER : XXXX
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

During the pandemic I stayed at XXXX XXXX XXXX XXXXXXXX XXXX XXXX for several months using state assistance to pay for the months I stayed while isolating, I lost my job as an XXXX XXXX XXXX XXXX. When the assistance was about to be over, I left the apartment in agreement with the administration. They received their payment. And this collection agency is requesting a payment for a non existent debt.
Consumer complaint received 2023-09-28
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. (ME)

In according with the fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 furbish an account without my written instructions.
Consumer complaint received 2022-11-26
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX... Balance : {$40.00}
Consumer complaint received 2022-12-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 requested that XXXX and Transunion to investigate my accounts, it has been over 30 days. 

According to 15 USC 1681I they have 30 days to investigate and send me results. 

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.
Consumer complaint received 2022-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have a loan through USAA for my truck. I refinanced with them. They are a great company no complaints except, their payment website has not been working for almost a year. I switched banks last year and had to reset everything on their website. I put in my new bank information and thought I was good until I got late fees. I called and spoke to someone and they advised that part of the site is not working properly and they entered my auto pay information over the phone. Fast forward to XXXXXXXX XXXX XXXX. I again changed banks. From the experience we had before we knew we needed to remove the auto pay and do the payments automatically. We received multiple errors in trying to do so but ultimately it said gave notifications as if we were successful in removing the auto pay and setting up a future payment. Then about a week after the payment should have been pulled from our existing account we received notice from the account we removed saying that USAA tried to process a payment and it was declined. We were assessed {$75.00} in fee from USAA for a returned payment and a late payment. We called and spoke to someone and they said the best they could do was reverse the {$50.00} fee. We redid the entire process removed the old account and set up a payment from the new account. Now we are in XXXX and the exact same thing happened again. Another {$75.00} in fees are being assessed except this time even though they admit the website is not working properly they say there is nothing they can do to help as the fees have already been paid out of the payment that was made. We should not have to pay fees when we did what we were supposed to do and THEIR website is not functioning properly. We have a great payment history with them and now to have to pay {$100.00} in fees, {$25.00} in XXXX that they refused to reverse and now another {$75.00} in XXXX they refuse to reverse because their system isn't functioning properly is not a good or fair way to do business. They are a huge company that should have the resources to make sure their systems work properly and it shouldn't be on the consumer to pay fees because of their issue.
Consumer complaint received 2023-06-08
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: KEYCORP (NJ)

I was in an XXXX relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my XXXX relationship. It wasn't until I moved to a completely different state ( all to get away from my XXXX ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. 

I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this one hiccup. I don't know what else to do.
Consumer complaint received 2023-09-28
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. (NC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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