davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

After a few months of travel I came home & began reviewing my bills. On XX/XX/XXXX I noticed EXPERIAN had been billing me {$19.00} since XXXX XXXX on my XXXX XXXX card. I had done a free trial & it appears they signed me up for a monthly monitoring service. I called their customer service number, their automated verification asked for very sensitive information over the phone to talk to a representative to cancel. I was put on hold for 70 minutes to speak to someone & could not stay on line any longer. Therefore, I emailed them for cancellation that same day. I didnt receive an answer from them until XX/XX/19, which stated they needed a Member ID # from an email I should have received to go any further. To date, I have never rec 'd any email from them. ON XX/XX/19 I sent that information back to them & on XX/XX/19 they asked for the same ID # to cancel. 
To end this vicious cycle with them I proceeded to cancel my credit card, so no further charges can be charged to my new card. This was the only way I could stop the charges. 
They appear to be a fraudulent scam, never allowing me to cancel, no matter how I tried. I have made every effort to cancel & they refuse to identify me, or cancel the membership. This, of course, is all through email, since you can not speak to any person over the phone. 
I am awaiting my new credit card statement to see if they were able to pick up my new number. When I cancelled my credit card I asked that no further autopay accounts be forwarded to my new card. So, if my statement shows their charge again for the month of XXXX, then I know they are a scam & have total access to all my pertinent information. 
The 2 emails I received from the emails I had sent were from PROTECTMYID. 
I have never received any credit monitoring emails from them or Experian, but have been charged $ XXXX/mo since XX/XX/19. 
I want to report them as frauds, scammers, & cancel whatever they have assumed I registered for. The contact numbers I have for them are : XXXX ( from their website ) support @ protectmyid.com ( from their website ) XXXX ( # that was on my credit card stmt, that rang busy @ all times ) Please advise me as to how I can get this cleared up. I have disputed the chgs on my credit card, but they received a " copy of sale '' receipt from Experian, so the credit card company would not remove the past charges. 
At this point, I have done all I know to do to cancel this service, which I did not ask for. I simply thought I was receiving a " free credit report '' when accepting offer. 
Please advise me as to how I cancel from this company, I am at a loss as to how else to proceed.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

ATTENTION CONSUMER FIANCE: IM MAKING A COMPLAINT AGAINST WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX  FOR CONTENTS IN THE HOUSE VALUED AS PRICLESS ITEMS THAT WERE ANTIQUE AND VERY VALUABLE. VALUE WILL BE ESTIMATED LATER.HOUSE SOLD XXXX XXXXXXXX XXXX XXXX XXXX. ACCOUNT DUE XXXX XXXX. MY MOTHER XXXX XXXX MADE ALL HER PAYMENTS TO  WELLS FARGO. I WOULD TAKE HER AND SOMETIMESMY FATHER XXXX XXXX TOOK HER.NO ARREARS WERE DUE. WELLS FARGO SHOWED UPAND PUT PADLOCKS ON THE DOOR,PUTTING FEAR INTO MY PARENTS.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I don't know how many times I had sent letters to Experian to delete the information that is not accurate on my credit report and they are not even sending me a validation letter. I don't even see that the account is been investigated. Every month I send a letter and no response from them.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to express my extreme frustration and disappointment concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite my ongoing efforts and repeated disputes, these items continue to be inaccurately reported, and this situation is causing significant harm to my creditworthiness and financial well-being. This letter serves as my formal complaint regarding the unresolved issues related to these fraudulent entries. 

The fraudulent items on my credit report that I have been striving to have removed are as follows : I have diligently reported these inaccuracies to your agency on multiple occasions, providing comprehensive documentation to prove the fraudulent nature of these entries. Despite my efforts, these items remain on my credit report, causing unwarranted damage to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The ongoing presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, obtain loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items, carefully reviewing the documentation I have provided. It is imperative that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without any further delay. 

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please recognize the gravity of this situation and its profound impact on my financial well-being and future opportunities. 

If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXXXXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This letter is to delete and update some personal information that is on my credit report ; because it is incorrect, neither it does NOT belong to me. The only addresses that should be showing on my credit report are XXXX XXXX XXXX, XXXX MI, XXXX, and XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. The name XXXX XXXX is incorrect and needs to be REMOVED. The only telephone number that belongs to me is ( XXXX ) XXXX. The only job that should be reporting is XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE ANYTHING THAT IS INCORRECT OR THAT IS NOT MENTIONED ABOVE IMMEDIATELY.
Consumer complaint received 2017-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was a onlne student with XXXX living in California, I filed a loan with XXXX XXXX as my lender. I got sick and unable to complete my last class, I had to drop from course. I wanted to complete my degree upon requesting my transcript I was made aware that I owed XXXX {$6200.00}, they returned funds to my lender and informed me that it was a private loan and I owed the school. I contacted school and president in XXXX 2013 requesting assistance with getting this resolved, I explained that I willing to make payment but really needed my transcript. I was told needed to pay in full before they would release my transcript. I applied for a consolidation with my lender XXXX XXXX they were willing to consoildation because they have my other student loans from XXXX currently. XXXX XXXX informed me that XXXX informed them they do not have a loan currently for to consolidate. I am currently receiving threatening phone calls from a collection agency called XXXX XXXX XXXX stating that they will be filing a judgement against for XXXX because I have an outstanding loan. I have attempted to seek solution from financial aid office at XXXX. 
XXXX XXXX University my ID number was XXXX phone number XXXX XXXX XXXX XXXX number is XXXX file number XXXX
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMPQUA HOLDINGS CORPORATION (OR)

XXXX I tried sending money via XXXX on Umpqua Bank website, I signed up for XXXX, the amount I needed to send was over limit according to Umpqua, which was {$500.00}. I decreased amount to {$400.00} and got the same reason. I then decreased amount to {$300.00} and the message I got was XXXX can not be completed. I completely logged out and went back into the Umpqua Bank website and tried doing it a total of 3 more times to no avail receiving the same message every time transaction could not be completed. On the evening of XXXX my husband and I went to get groceries and our debit cards were denied, having to leave our groceries behind. We then went ahead to Umpqua Bank ATM and got a receipt stating Card was reported Lost on my card and my husbands card. I went home and tried logging into my account and my account information is GONE! I called on XXXX and spoke with someone in the Fraud Department who proceeded to tell me that I have a restriction on my account because of the attempted XXXX transaction I tried on XXXX and there was nothing they could do for me until Monday when the investigative team is back. NO call was ever received from Umpqua Bank questioning or asking me about anything suspicious they just took my money and access
Consumer complaint received 2022-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX.
Consumer complaint received 2022-09-01
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}
Consumer complaint received 2022-09-24
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. (NY)

I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Reports. 

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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-10-25
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-07
Product: Credit card or 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: U.S. BANCORP (CA)

XXXX XXXX, XXXX XXXX XXXX U.S. Bank Prepaid Operations Card Services XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Dear XXXX XXXX : I am writing you in regard to yet another complaint I have filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint ID XXXX. I filed this complaint because yet again the 1-2-3 Rewards Card decided to make up another restriction as reason to not release a transaction from XXXX XXXX, XXXX. It was another hold on my account, this time for $ XXXXand it was immediately released the morning of XXXX XXXX, XXXX upon checkout. In your response to my complaint ID XXXX from XXXX XXXX, XXXX you mention that a way to expedite the release I have the option of sending in a fax with the answers to the questions required in said fax. Most importantly, however, you fail to mention that there is a restriction to this kind of procedurein that only one is allowed every 30 days. This restriction is not mentioned anywhere in your cardholder agreement. The supervisor I spoke with yesterday agreed that this was the case and apologized for this, but failed to release my funds. I believe that my funds should be immediately released back to my account since this restriction is not listed anywhere in my cardholder agreement or was mentioned by you in your letter to me and any customer service representative I have spoken with when I used this procedure for my first transaction. What you are doing is illegal. And I will be taking legal action against this. Thank you, XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT
Consumer complaint received 2022-09-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States 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. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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
Consumer complaint received 2022-09-24
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. (TX)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

I upgraded my XXXX credit card to the XXXX XXXX card in response to an offer solicited by Chase. I received the card and the welcome packet clearly says I will receive {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I followed the instructions and registered my card with XXXX. However, I never received the XXXX XXXX. I called Chase 3 times. They said they will inquire about that. However, I received a letter from Chase saying that they acknolwedge that I am supposed to receive the stated benefit but they are " not responsible for fulfiling it ''. The letter says I need to contact XXXX for that. I called XXXX, and of course, they have never heard of that Benefit from Chase and did not know anything about that offer and told me I should contact Chase. 

This is clearly an advertised offer made by Chase and Chase should be responsible for fulfiling it. It is really ridicoulous that Chase says XXXX should be reponsible for that, not them.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (NC)

SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I quit trying to work or contact this company. I co-signed for my daughter an automobile which she wrecked. At the time of purchase I paid for gap insurance and was assured that I would not have to pay anything in case of total/damage of the vehicle. 
Company started calling me about a balance. I called the dealership where I had purchased to insurance only to find out that they ( without contacting me ) has refunded to my  account any monies they had collected for premium since daughter had wrecked car. 
Every time Santander would call me I would ask for documentation regarding the {$1200.00} they were showing owed, regarding the wreck/settlement etc. They did all, did not contact me OR provide any documentation showing that I owed anything or the details of the wreck/settlement/insurance information that I had repeatedly asked for. 
When I told them to stop calling me, all further communication must be in writing, no notice from them ... ... .bam, on my credit and still being reported as of today even though they show it as a write off. 
Had I ever gotten the documentation request not only could I confirm the amount in question, if owed, it would have been paid.
Consumer complaint received 2022-09-24
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!