davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MA)

I'm trying to very simply close my Indigo credit card. I can not reach a human being. I've tried their automated system multiple pl times and either get disconnected or rerouted. There is no chat bot or FAQ on their website. The product just doesn't meet my needs in terms of longterm credit planning and financial management, so I know longer want it.
Consumer complaint received 2019-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been trying to get this debt settled and closed off my credit for years now and i finally got XXXX  and XXXX  to remove debt but TRANSUNION is being stubborn and wont help me remove off credit and is holding up house process. Ive did everything i can think of.
Consumer complaint received 2023-05-13
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. (GA)

So I sent a letter of to the consumer reporting agencies XXXX XXXX and TransUnion to remove address from my personal information and that I am a victim of identity theft back in XXXX of 2023 According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2019-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Ive been trying to add this positive account myself for 2 years with no help on my own, several overnight envelopes sent to 3 credit bureaus with no luck just money wasted and i asked the company to report for me and they wont report the information that i paid my car off.
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-01-11
Product: Credit 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: JPMORGAN CHASE & CO. (OR)

I was a victim of identity theft in XXXX of XXXX. My phone number, email, social security number, checking and savings accounts along with various credit cards in my name were all hacked. I was able to resolve all of the above issues except for my XXXX XXXX Chase XXXX cards which I had not previously used. Someone was able to obtain the card information and download it onto their phone ( I still have the card in my posession ) they then charged in XXXX day almost {$10000.00} to the card from XXXX. I have reported this several times to Chase and they have said they have investigated but not removed the charges 3 times. The last time I called on XX/XX/XXXX, they reopened investigation again and asked me to send a copy of my credit report showing that I have a security freeze on my account which I did. They said they would respond in 4 days but when I called again this morning, they gave a run around answer and said it will be XXXX more days. I am currently battling XXXX  XXXX XXXX and the added stress of this situation is detrimental to my health. Please advise if you can help. 
Thank you, XXXX XXXX
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I tried to use the card at the XXXX XXXX  for XXXX dollars on XX/XX/2023 it was declined. I tried to put the XXXX on XXXX it was also declined on XX/XX/2023. I tried to use XXXX dollars at XXXX  on XX/XX/2023 was also declined so I then tried to put the XXXX on XXXX and XXXX they were also declined on XX/XX/2023. 

I was given this gift card for my baby shower. Please is there anything yall can do?
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IA)

US Bank denies claims for fraudulent withdraws from account. We did not authorize or make these transfers. Closed accounts after bank verified that phone number and address changed on accounts by someone accessing online accounts and accounts compromised. Indicates either someone hacked my account or that I gave my banking info to someone. Bank indicates that someone obtained log info to online account but refuses to cover fraudulent charges unless they know they are going to get their money back. Refunded the XXXX XXXX fraudulent transfer but not any other charges. Most charges went through the US bank app that partners and sponsors XXXX on their banking app. We did not make these transfers or authorize these charges. Bank states someone had access to online banking access, changed address and phone number so that we would not get alerts but denies claims. Requested claim denial documentation used to make their decision to deny refunding amounts but I am not sure what all the abbreviations mean or how to read. Nor can I understand how they acknowledge that online banking info was compromised and fraudulent and were able to refund a XXXX XXXX transfer because they were able to get their money back but refuses to recover other charges made through their US Bank App XXXX sponsor/partner. I do not have a XXXX account nor would I use one of these types of apps. Fraud was able to be transferred through US Bank due to partnership with XXXX. As well as a credit card advance in the amount of {$1300.00}. I did not do take out a cash advance on my credit card. I did not authorize or make any of the below charges. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank did return money due to they were able to get their money bank from 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 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 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I made an online purchase for concert tickets which I never received. I am unable to contact the vendor and was also charged over {$900.00} to my account when the purchase price was just under {$400.00}. When I disputed the charge Capitol One entered the dispute as a cancellation. I did not cancel, the merchandise was never received
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NJ)

Never received any notice of garnishment from debt collection nor was aware of this debt. Was aware of this action on my paystub XX/XX/XXXX in the amount of XXXX. Then debt collector continued to garnish more from pay on XX/XX/XXXX in the amount of XXXX.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 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 2021-09-28
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: Porania, LLC (NY)

please removed these accounts 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (NY)

I did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (CA)

I had a XXXX internet in summer XXXX in XXXX while I was doing my internship. I closed my account and returned their equipment and moved back to Arizona for completing school. XXXX said I had to pay XXXX $ and send it to collection. I was never aware of any payment I had to make. Recently when I applied for a mortgage I became aware of this situation and that it was hurting my credit. Waypoint resource group ( collections agency ) refused to remove this from my credit report. I even called XXXX and tried paying off this charge which I was not even aware of in XX/XX/XXXX. They still refuse to remove this from my credit report. My credit is fairly decent with this charge being the only black mark.
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

The way my payments are being applied, some payments go strictly to interest alone and nothing is being applied to principal, and when it does it is a very small amount. When I asked for an amortization table so I can understand how the payments are applied I was given excuses and still have not received one or an explanation how the payments are to be applied. 

Navient
Consumer complaint received 2022-11-12
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

I refnanced on a loan that took more than 3 months to close. My cash back to the borrower has not been received. I have received no fund, my creditors have not received the payouts and there has been no feedback from the settlement company. 
The loan closed on XX/XX/XXXX with LoanDepot.com The Disbursement date was XX/XX/XXXX. 
Load Depot was fully funded on XX/XX/XXXX. ( Interesting that  LoanDepot received their funds on time ) It is XX/XX/XXXX - Past 48 hours and still no funds to me or my creditors. Loan Depot says it is up to the Settlement company to send the money. The settlement company is unresponsive and you can't even leave them a message on their phone. I e-mauiled them with no response. I even sent the CFO of  Loan Depot a XXXX message.
Consumer complaint received 2023-06-25
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX account # 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.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Foursight Holding LLC (GA)

This is the second complaint that I have filed against this company in the last month. They are trying to collect fees from me that I do not owe them and are using illegal tactics to collect them!! This account was reported as closed and paid in full with the credit reporting bureaus in XXXX. I received a statement from them in late XXXX showing account paid in full and even showed a negative amount of - {$200.00} .... I have since then been contacted by this company stating I still owe {$200.00} in late fees but I have statement showing account completely paid in full and account closed with major credit bureaus.. Yesterday XX/XX/XXXX I received notification from all 3 credit bureaus that now the account has a 30 day late mark on my file for this account!!!!! How is that possible if account was closed out and reported as paid in full, this is a violation of the Fair Credit Reporting ACT!!!!!! I need your help holding this company accountable for their actions against consumers and the way they try and collect fees. Very unprofessional
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$720.00} XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the following letter to the credit bureaus regarding unauthorized inquiries in my credit profile. 


Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
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 XXXXXX/XX/2021 I also demand you , ( Transunion, XXXX, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NJ Best Regards, XXXX. XXXX
Consumer complaint received 2023-01-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-06-27
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. (NJ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2023-06-27
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. (NC)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXXBalance : {$3700.00} XXXX  XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : XXXX  XXXX XXXX XXXX Balance : {$520.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (KS)

I am filing the claim in regards to the {$3.00} XXXX settlement with Wells Fargo Auto Loan for the " illegal activity. '' We have moved since having the loan so our address was not updated in their system. I have spoke with a representative at Wells Fargo and they were not able to tell me if my loan was part of the settlement. I did update my mailing address with them, but wasn't sure if they had already attempted to reach out to the old address and we did not receive it.
Consumer complaint received 2023-01-23
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. (LA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 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