davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: DISCOVER BANK (IN)

I made a purchase that I immediately felt was fraudulent and cancelled right on the spot. I didn't sign anything nor received a receipt and was told by the merchant, the charge didn't go through. I went to immediately cancel on my credit card but it indicated charges pending and that a dispute wouldn't be permitted until charges went through. 

Charge is fraudulent. Vendor refuses to cooperate. Credit card finds in favor of vendor with no proof of valid services, document of swipe is the only evidence. Why did credit card not alert me to XXXX suspicious charges in XXXX and require my verification before pushing it through? It's done so on lesser suspicious charges. I feel this is a failure of the credit card to protect my consumer rights.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to formally dispute and request enforcement of my legal rights regarding certain accounts on my credit report. The inaccuracies and unverified information on my credit report have had a profound and distressing impact on my life. I am seeking your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

I am deeply concerned about the violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of these inaccuracies. Specifically, the following accounts have been reported inaccurately : XXXX : Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXXXXXX XXXX  | XX/XX/XXXX : Account XXXX : XXXX XXXX : Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A XXXX : Account number : XXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX  The inaccuracies in these accounts have led to significant distress and frustration in my life. For example, [ share your personal story here about how the inaccurate credit reporting affected your ability to secure a loan, rent an apartment, or pursue a major life goal ]. These difficulties have taken an emotional toll on me, impacting my mental well-being and causing undue stress during already challenging times. 

Given the apparent violations of FCRA, I humbly request your intervention to enforce my legal rights. I kindly ask that the Consumer Financial Protection Bureau work to ensure that these unverified and inaccurate accounts are promptly removed from my credit report. This will not only alleviate my emotional distress but also restore my ability to pursue my life goals without the unjust burden of inaccurate credit reporting. 

I have taken all necessary steps to address these issues directly with the credit reporting agencies and the respective creditors involved, but I have not yet achieved a satisfactory resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

Thank you for your attention to this important matter. I appreciate your commitment to ensuring fair and accurate credit reporting, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Back in XX/XX/XXXX I settled an account with Wells Fargo. It was a closed account on XX/XX/XXXX. It was a student credit card that I settled the debt amount and it still shows as a closed account on my credit report and has been negatively impacting my credit report. I am about to graduate college and it has been preventing me from building my credit score back up. I already called their offices but they refuse to release it off my credit report. Please help get this off my report, thank you.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AL)

My account was suspended XX/XX/2023 and they have asked me for pictures of my ID front and back and to provide documents of where I live I have messaged them and told them I do not have an ID that I live in a XXXX home and they refuse to work with me on how to solve this issue they keep sending me the same thing and I have almost {$7000.00} tied up in this account that I'm just trying to get out
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

To Whom It May Concern at CFPB, Since XXXX, I have held a mortgage with Arvest Bank for my home. As part of their service, they handle property tax payments through an escrow account. However, in XXXX, they neglected to pay the county tax, which is currently accumulating penalties. Despite my attempts to contact them for assistance, they have not taken any action to rectify the situation and pay the outstanding tax. 

I appreciate any help you can provide in this matter.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX sent me a check claim refund for {$310.00} from their Bank of America account. Someone stole my check and printed their name on it, right underneath my company name. I don't know this person, other than he obviously has a XXXX XXXX XXXX to ours in the XXXX XXXX USPTO. That someone deposited my check in their XXXX XXXX account even though the name on the check was meant for XXXX XXXX Bank of America cleared the check even though the company name did not match the company name on the check. 

I requested XXXX XXXX and Bank of America to reverse the transaction and give the money to us. But, they said the money is already deposited and there is nothing they can do about it.
Consumer complaint received 2023-08-15
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. (GA)

I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the 3 bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.
Consumer complaint received 2023-08-16
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. (NV)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NJ)

There are several different issues inregards to my account for the past several months my deposits and purchases do not appear to be accurate as well as as the beginning balances for a instance if on XX/XX/XXXX my ending balance is XXXX and a total of XXXX has been direct deposited. I would think my account total should be the ending balance plus my XXXX I deposits would be my total. Tgey are just showing my deposit for that month then minusing the total amount in my purchases and again this has been going on for quite some time and when contacting them I just get they can not see any discrepancy and that I can't go off of my statements. I asked the lady numerous times why wouldn't I go off there statements and she said she needed me to speak to a different department in total at least the past XXXX of statements thate that I ave gone through is showing multiple things another instant if XXXX. Was deposited into my account and I spent XXXX my balance should be XXXX not negative XXXX dollars I really feel that they are just putting me off to because they just keep telling me that the gave reviewed my account and that it was right when I ask for a more detail statement tgey state the statement I have is all they have so again I ask them why is it then for my balances should I not go off the statements provided by them. again another story another run around please help me with this matter
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MA)

I've called the company since XXXX of XXXX asking them to verify the debt. They answered me in XXXX of XXXX and did not verify the debt. Furthermore there are discrepancies with the balance amount and it has affected my access to credit drastically.
Consumer complaint received 2023-04-30
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. (TX)

I sent the credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said the account was verified on 2 credit bureaus ( XXXX XXXX and Experian ) but XXXX came back us unverified and was removed from report. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-10
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: Global Lending Services LLC (PA)

In accordance with the Fair Credit Reporting Act, GLOBAL LENDING SERVICES has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I did a loan modification with PHH Mortgage company. I handled everything with the banks attorneys and the referee basically and our judge XXXX in XXXX XXXX. The modification closed and then PHH Mortgage added over $ 6000in fees over 30 days later. I later learned that they also reported late payments from more than 5 years ago on my credit report. Between the undisclosed fees that were tacked on after closing and the late reporting of 2 late payments /5 years later PHH mortgage company destroyed my credit. My credit dropped over 130 points and I havent recovered yet. I cant buy a free ice cream cone, my credit is destroyed! PHH mortgage says they can do anything they want and add fees to any mortgage they choose
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

I moved out of my apartment in XXXX of 2022 and in my complex had to use XXXX XXXX. Their claiming that I had not returned the modem and router that was sent to me and have sent me to collections. I returned the modem and router to the XXXX  store on XXXX XXXX XXXX in XXXX XXXX and have since moved into a new place. 

I have been trying to raise my credit score and this kicked me down from a XXXX to a XXXX and personally that is unacceptable. I have not received a phone call, letter or any kind of communication in regards to the " missing '' modem and router and now am having to argue with I.C. Systems. 

XX/XX/XXXX : Debt went into collections
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a total of 5 fraudulent checks from 2 scammers, and contacted my bank regarding this matter. I spent a balance after depositing the first two checks, and already had a balance in my account, so I understand I need to pay the overdraft of my bank account. However, my bank placed a - {$880000.00} hold on my account because of these fraudulent checks and I am just trying to make sure that I will not be charged or arrested for depositing these fraudulent checks, and that my information will not be placed on XXXX which would prevent me from making a bank account in the future. While 3 of the 5 checks were in the process of being cashed, I submitted a cancellation of depositing those checks but they were not accepted, as the balance still showed up in my account.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Ever since I got an email last year from Experian saying some of my information was found on the dark web. Random things have popped up on my credit report. Im at work and just got XXXX back to back emails about inquiries. I called one of the companies first and the rep said she would have no way of know if someone applied online or in person. I then called Experian and the guy told me to call companys that received the inquiries. This is ridiculous and unacceptable. Ive worked too hard restoring my credit to allow stuff like this to happen
Consumer complaint received 2023-08-15
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. (TX)

I sent a letter on multiple occasions to XXXX, XXXX, and Experian. Here is my tracking number. It has been over 30 days and the credit reporting agencies have failed to send my investivation back. This isnt making any Sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXX Bank account XXXX
Consumer complaint received 2023-08-15
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. (FL)

I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX XX/XX/2023 which is an auto finance inquiry.
Consumer complaint received 2023-04-12
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: AMERICAN EXPRESS COMPANY (CA)

My spouse XXXX XXXX who is an additional card member booked the hotel- XXXX XXXX with her AMEX card. The hotel reservation was from XX/XX/XXXX to XX/XX/XXXX. When she reached the hotel she noticed that the hotel room was very dirty and not like how it was in the photos. The photos listed in the website and the actual photo of the hotel room was very different. 

I had opened a dispute with Amex earlier and the dispute reference number is - XXXX Transaction in question - XXXXXXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card Member : XXXX XXXX
Consumer complaint received 2023-08-15
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. (FL)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NJ)

Ive told Penn Credit that their records are incorrect. There is no longer a balance owed to XXXX XXXX XXXX as I paid it directly to them. Penn Credit is still claiming my debt is valid. Ive returned XXXX debt validation letters telling Penn Credit that the balance with XXXX XXXX XXXX has been paid off. I also told them over the phone that it has been paid to the XXXX XXXX. The last debt validation letter that I received from them stated that my lack of communication shows that I have no intention of paying my debt. It has been paid to XXXX XXXX XXXX and I owe {$0.00} to them or Penn Credit. {$1100.00} has been paid to XXXX XXXX XXXX. Penn Credit claims I still owe them {$1100.00} and XXXX keeps updating the disputes as valid