davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CO)

I have previously submitted the same complaint to CFPB because the company ( Wells Fargo ) did not respond to my questions at all. They just sent me several monthly statements highlighting some transactions on them. Unfortunately these statements and highlights do not specify if the PIN was used. As such, my questions were not answered and I have no choice but to resubmit my complain. Below is my original complaint. 

Unfortunately I have no choice but to file a complaint because I cant get answers from Wells Fargo Customer Service. I was sending my questions to WF online asking how many transactions have been made using a debit card linked to business account ending with XXXX from the day of the account opening. Overall and as I mentioned in my correspondence to WF team, getting answers from WF online support is getting difficult in the last several months. 

Unfortunately I could not find out this information on my own. As you can see from this account summary, once I scrolled down to transaction details, it still does not specify whether this transaction was made using a debit card linked to this account. As you will also see from my attachments, WF customer service did not answer my questions on two separate occasions. 

Solution : ( 1 ) Please answer my question how many how many transactions have been made using Wells Fargo Business Debit Card payments/purchases using a debit card linked to my business account ending with XXXX and using PIN from the day of the account opening till today ( XX/XX/2019 ). Thank you. 
( 2 ) Based on my calculations ( please see account summary attachments ), I have made 12 Wells Fargo Business Debit Card payments/purchases using a debit card linked to my business account ending with XXXX and using PIN. Please confirm that this information is correct. Thank you.
Consumer complaint received 2022-12-24
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-18
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " XX/XX/2024 '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Consumer complaint received 2022-12-24
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. (CA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-24
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. (CA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

I have been issues predatory loans and have been systematically lied to by Navient at every turn since I graduated in XXXX. They have told me that forbearance was the best option upon graduation and when navigating the financial repayment plans. They lied and said forbearance would not effect me entering into the repayment plan for student loan forgiveness when I have worked for a non-profit for almost 10 years. they told me I was not eligible for financial repayment plans in XXXX and said I would have to make {$780.00} a month payments to pay them back and would not give me information about the forgiveness plan. They then hung up on me. This lead me into a default status and they began to garnish my wages. When I called to talk to another person at the company to resolve this issue they told me I am better off with the 20 year income driven repayment plan. They have lost my paperwork I have sent in which then put me out of my repayment plan due to not having it filed in time. ( XXXX I believe ) they then put me back on forbearance stating it would not effect my payments or fees in anyway. 
Any time I have called for information they have given me inaccurate information. I have asked about consolidating several times and they said that is not in my best interest and that I would pay my loans off sooner paying them individually. 
I took out less than {$40000.00} in loans, have been paying for 8.5 years and I now owe over {$87000.00}. I am not even sure how when I make payments each month it has gone added another {$47000.00} to my debt which I will never be able to repay while working in this field. ( I work for a non-profit, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ). 
Please tell me how to fix this or what I can do to manage this issue as I am overwhelmed.
Consumer complaint received 2022-12-24
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. (TX)

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. 

Account name : 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 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 2024-03-17
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account 's XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I have told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had multiple credit cards opened in my name fraudulently. XXXX were through Capital One and another through XXXX. The XXXX account was found to be fraudulent, and only XXXX of the Capital One cards was found fraudulent by Capital One. I filled out the paper work for both Capital One cards that they require when filing a frailest claim, ( XXXX was a XXXX XXXX card, which was found fraudulent, and a XXXX XXXX card which they said was not fraudulent ) and returned the documents required in the time they told me to. I filed a police report, identity theft report with the FTC, and notified all the credit bureaus. Both Capital One cards were opened on XX/XX/2022, and both cards had charges on them to max out the approved amount for each card. Capital One only believes XXXX of those accounts were fraudulent for some reason. When I called to dispute this, they claim that there are phone records tied to my phone number about the account, which they will not disclose any information about. I told them that they should have a record of my number calling them about the account, because I reported it being fraud. On top of all of this the account was opened and charges were made in XXXX, Florida. Ive never left the west coast. I asked them why I wasnt notified about the card being opened or even why maxing out the card in Florida wasnt enough to put up a red flag. They said that the activity wasnt found to be suspicious in any way. I find that ridiculous, and unprofessional for a large bank.
Consumer complaint received 2020-03-11
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. (PA)

XXXX XXXX. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to condition. Requesting removal of late payments and negative tradeline
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I received a letter from Equifax stating that the results in their investigation was found to be accurate. Which is false. They did not due any investigation into the dispute. Again, I did not file for XXXX  XX/XX/XXXX. I filed XXXX  XX/XX/XXXX. So Equifax has failed to fix the problem. They have failed to do the proper investigations. Equifax is going against the fair credit act while defaming my name. And because they refuse to do their job and correct the reporting on credit karma. I want them to remove the XXXX XXXX XXXX off my report.
Consumer complaint received 2022-12-24
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 sent a letter on XX/XX/XXXX, to remove XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-12-24
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. (GA)

I sent a letter on XX/XX/XXXX, to remove XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2020-03-03
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)

I have acct with XXXX  XXXX XXXX XXXX ending in XXXX. the compliant was resolved via cfpb complaint with XXXX XXXX XXXXXXXX XXXX stated on letter that acct charge off, balance due and late payments will be removed from this acct. I sent all this info to transunion from original creditor and thru refuse to correct the acct. I have talked to 3 managers and they stated that the correction would have to come from the original creditor. I have sent info from original creditor that they have received certified mail 3 times and they still refuse to correct the issue on this acct.
Consumer complaint received 2022-12-24
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following 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 2022-12-24
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following 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 XXXXXX/XX/2022
Consumer complaint received 2020-03-03
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. (WA)

Transunion Credit Reporting refuses to allow a consumer statement to be issued into the account disputing the entire charge from XXXX XXXX. Additionally the date that the XXXX XXXX account was closed was XX/XX/XXXX, and not XX/XX/XXXX. Furthermore the amount in dispute is smaller, and XXXX XXXX and/or Transunion have inflated the charges. The total amount disputed at the time of account closure was {$1900.00}. 

The amount was disputed because XXXX XXXX failed to protect me from charges resulting from faulty merchandise covered under a one year warranty. 

Previously I tried to submit the dispute online with Transunion, but their web portal won't allow a consumer statement. At my request, Transunion escalated the matter to a XXXX XXXX, supervisor of technical services, but XXXX advises that she is not willing to correct this problem, and that what I see is what I get.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2022-12-24
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)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Bureau are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (CA)

XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the accounts paid. These accounts should not be showing a late date since they have already been paid for. It seems impossible to accrue late on accounts that have already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
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: CITIBANK, N.A. (CA)

I originally established an account with Home Depot for the amount of XXXX dollars. I reported that my card was stolen and I would pay the interest or whatever fees are needed until the matter is settled. My card was taken XX/XX/30 2019. 

The problem I have is I have not been able to receive an honest response when I speak with Home Depot and Citi Bank I guess holds the account. The both of them seem to have a different understanding and give me the run around as I'm paying on this account. 

XXXX XXXX XXXX XXXX Account Number
Consumer complaint received 2022-12-24
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. (NV)

By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$240.00}.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (DE)

I opened an account with chime on XX/XX/2022 about a week after I deposited some funds into the account, the day after when I attempted to log in to the app chime stated my account was suspended due to security reasons. I called everyday for 2 weeks straight they asked me to provide 2 forms of ID as well as 2 proofs of adress I obliged after I did so I stopped receiving emails from chime even automated responses I sparsely called after that maybe once or twice a week in the following months since I'd given up hope. each and every time I called I was told that my case was being " escalated '' I was also told I'd receive an email after each call. save for the initial emails from the 2 weeks i had called I received nothing. I asked for a check or for my funds to be transferred to a separate account they agreed after 2 weeks now I still have received absolutely nothing from chime. Today I sent a complaint with the XXXX I also called XXXX and was transferred to a XXXX XXXX representative that essentially gave me the same XXXX XXXX  that I've been receiving from chime all I want is my money back and I have done my part.