davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX around XXXX ESt, I checked my online bank and saw {$3000.00} was taking away from my chase checking account. It is a joint account with my husband. But neither me or my husband made this transaction. I immediately reported this fraud to Chase and asked them to put a restriction on this account. The claim number is XXXX. At that time, Chase could not tell us what kind of transactions it should be. XX/XX/XXXX morning, I checked the online banking and it seemed someone went to one of Chase local branches and made a withdrawal in person with my identify. I called Chase again, and they informed the activity was taken place at their XXXX XXXX ( XXXX, NY ) branch. So, I went to our local police station and tried to file a police report. But the police station informed me that I have to go to Chase to get a bank letter and also get it notarized. Then I went to the Chase XXXX XXXX XXXX branch ( the money was withdrawn at this branch ) and reached out to their manager - XXXX XXXX. He provided the required letter - Unauthorized Signature or Forged Item Declaration. We also got it notarized. Finally, I went to the police station XXXX ( XXXX, XXXX, NY ) and filed the police report. The police report number is XXXX. On XX/XX/XXXX, I was told by Chase the decision should be made with 3 to 5 business days. I called Chase couple of times ; they always asked me to call later. Then, I called again on the 6th business day XX/XX/XXXX, Chase told me it is still pending, and asked me to call them on XX/XX/XXXX and I should know their decision. So today XX/XX/XXXX, I called Chase again, they asked me to call next week. I asked them what's happening, but they can not give me a solid answer about the process. Their supervisor now said the claim is up to 30 days. I don't think chase is making efforts to assist their customers to resolve the issue. I have been with chase for more than 10 years. {$3000.00} is a big amount for an individual like me, a normal working woman, I do need the money to pay my bill, support my family. But chase just does not care.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Pursuant 15 U.S. Code 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX/ XXXX CREDIT CARD ACCOUNT # XXXX XXXX XXXX XXXX on XX/XX/2022 I contacted XXXX XXXX XXXX about my hardship cause by XXXX I spoke to a agent she promised me that the late payment would be remove and late fee due to the CARES ACT. 
upon reviewing my consumer report on XX/XX/2022 I seen that my account was flag for a late payment from the credit card company. ive then attempted to contact the company and ask why this was being reported, I told her this information was inaccurate because I was promised that the late payment would've been remove and late fee wave the lady told me all that was done was the late fee and she cant help me because I would've to contact the consumer reporting agencies to file a dispute to have it remove I have since contacted the Experian, XXXX and XXXX all 3 of those companies undated my file XXXX accurate, I called XXXX XXXX XXXX/ XXXX CREDIT CARD for the 10th time and that's when the chaos started with they agent being rude and hanging on my face telling me there's nothing they can do! I'm reaching out to the CFPB and OCC to help me with this matter.
Consumer complaint received 2022-10-04
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED 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.
Consumer complaint received 2023-01-20
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: Paramount GR Holdings, LLC (IL)

In 2020, I bought Solar Panels for my Home after being Solicited at Home from XXXX XXXX XXXX, a Solar Company that also does Business as XXXX XXXX. I paid {$55000.00} for this and I was led to believe that these Solar Panels would Save me Money on my Electric Bill Monthly, and that I'd be able to Sell Energy Back to my City. Well in two years none of this happened at all, My Electric Company XXXX just told me this week that they not even registering my Panels. So they haven't been working for this whole two year period. Not to mention that I got a letter from The District Court of XXXX XXXX XXXX, that this company XXXX XXXX XXXX has filed for Bankruptcy! What? So now there's no company for me to get these problems resolved. They sold their financial accounts to another company called LoanPal, then LoanPal sold to Goodleap, Now Goodleap has raised my bill over {$100.00} more a month to {$350.00} a month. And on top of that, NOTHING IS WORKING, I haven't saved a Dime. Now they are in Bankruptcy and think that I'm going to continue paying for this XXXX System that No One is Accountable for now. NOT! 

Now Goodleap is calling me everyday, asking for payment, I'm NOT Making anymore payment on this with all due respect. I want this off of my Home ASAP. XXXX XXXX XXXX Sold their Accounts and I don't agree to go along with anything else, I want this contract with Goodleap Terminated Please, The Account Number XXXX XXXX XXXX. This is on my credit and I do have Excellent Credit and I feel they shouldn't be able to report this in this situation. But they don't seem to care, all they want is they money, and i'm not sending them anymore money for anything. So Please Help me put a Stop to Good Leap calling and emailing me about payments. And have them to stop this account because all of this is fraud. 

Thank You
Consumer complaint received 2022-10-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have several medical collections from XXXX XXXXXXXX XXXX on my Experian report. I have paid off all of these collections with XXXX XXXXXXXX XXXX. Experian is refusing to remove them for whatever reason or update the balances, I tried to dispute the item several times stating that they were paid but no response
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Asset Agency, Inc. (VA)

The original creditor of this debt was XXXX XXXX XXXX. The company was purchased by XXXX and the debt was payed in full. I have spoken to the original creditor ( XXXX ) to confirm. This debt is entirely fraudulent. It needs to be removed immediately or I am pressing fraud charges and filing a lawsuit. I also request that the appropriate federal authorities be notified.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I, the natural consumer, in fact, has been violated by Capital One in numerous ways. I recently send Capital One a package including an Affidavit of Truth, Debt Validation Letter, Cease and Desist, Exhibits of Violations as well as an invoice for a remedy via certified mail ( XXXX XXXX XXXX XXXX XXXX ) and received a green PS Form 3811 showing the package was indeed received. Capital One has yet to seize reports until this alleged debt is validated as they are supposed to do as pursuant to consumer laws. Capital One is reporting that payments are received as agreed but my credit utilization is now showing 104 %. There is no delinquency reported and for the entire month of XXXX and XXXX this account is reported as an account in good standings. I do not consent to the obligation of tHis alleged debt. In addition to these things previously noted, Capital One has denied me an extension of credit several times with no explanations as to why the adverse action was taken upon me and denial of a credit extension has further led to my credit score being damaged due to high utilization percentages being shown on my report. My scores has taken a tremendous downfall over the time span of XXXX and and XXXX and this is unacceptable.
Consumer complaint received 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I have a mortgage account through Nationstar Mortgage LLC dba Mr. Cooper and I informed that I am having a hard time paying the mortgage due to my hardship and if they can reduce the interest rate or the payment amount. They sent me a letter in which the point of Contact is XXXX XXXX, the phone number which she provided is not working, she just gave me the regular customer care number and her extension. When I call the customer care number, it is not asking for the extension, so how will I dial the extension and reach the point of contact, now this is ridiculous. XXXX didn't even provide her email. 

She provided a fax number ( XXXX ) XXXX, and I faxed her on that fax day before yesterday but she hasn't replied yet. 

this is a greedy money hungry company who doesn't want to work with its customers and just want to make money by hook or by crook. 

This company is completely unorganized and think that customers are stupid
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC (GA)

As of XX/XX/2023 Qualia Collection Services is reporting a collection account with the 3 credit bureaus ; XXXX, XXXX and XXXX. They are reporting a collection in the amount of {$110.00} I have been disputing this account with the 3 credit bureaus for years. I have also requested for them to provide me with verification of the debt and have yet to do so. The credit bureaus are still reporting the account on my credit.
Consumer complaint received 2022-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-21
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)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 92 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2016-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

mycampuspartners has implemented a new " convenience fee '' if you wish to pay directly your checking or savings account. There was always a fee for paying with debit/credit card, but now there is also a fee for direct withdraws from your account. The only way to avoid this is to mail in a check, which, in 2016, is a bit ridiculous. This is a pure money grab as they do not incur fees for direct ACH deposits with withdraws.
Consumer complaint received 2022-10-04
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. (OH)

15 u.s.c 1681 602 A states I have the right to privacy. 

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy ref # XXXX
Consumer complaint received 2020-08-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00}
Consumer complaint received 2020-03-02
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Back in XXXX I called and tried lowering my APR of XXXX but they refused. I have been buying and paying my credit card with the same APR I have been a customer of Wells Fargo since XXXX and they have not considered lowering my charges. I feel like Im a valued customer to them! Ive paid so much interest charges thought out these 13 years!
Consumer complaint received 2023-06-13
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)

XXXX XXXXXXXX XXXX XXXX has reported a rental/leasing balance to both Transunion and XXXX they claim to have originated in XXXX. I have contacted both Transunion and XXXX multiple times to dispute this due to the fact that I did not have any such leasing activity in XXXX. Both Transunion and XXXX continued to report back that the debt was valid. I eventually contacted XXXX XXXXXXXX XXXX XXXX to demand back-up records for the balance. They responded and provided me with an invoice from XXXX of XXXX. They falsely represented to the reporting agencies that the debt originated in XXXX. I once again contacted both Transunion and XXXX in XX/XX/XXXX to dispute the charge and provided the invoice proving that the debt in fact originated in XXXX and is well past the statute of limitations to be included on my credit record. Each of them once again represented that the debt is valid and no action was taken.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2023, a thief : ( 1 ) fraudulently accessed my Wells Fargo online accounts by using an unauthorized and unknown device, ( 2 ) enrolled my account into online wire transfers, and ( 3 ) fraudulently transferred by wire all of the available money from each account ( checking, savings and brokerage ), {$22000.00} in total. More specifically, once the thief accessed my online account, the thief made an unauthorized electronic fund transfer in the amount of {$9000.00} from my brokerage account to my checking account. Then, the thief fraudulently transferred by wire the {$9000.00} to another bank. The thief also made an unauthorized electronic fund transfer from my savings to my checking and then fraudulently transferred by wire the entire balance of {$13000.00}. This fraud was reported in real time to Wells Fargo, by both myself and my wife, within minutes of the fraudulent transactions. Despite real time notice of the fraud, Wells Fargo failed to : ( 1 ) recover the fraudulent transfers ; ( 2 ) failed to conduct an adequate investigation ; ( 3 ) failed to have adequate safeguards to identify, monitor and detect fraud despite its commitment to do so ; ( 4 ) open a Regulation E investigation despite its legal requirement to do so. Instead of complying with its legal duties, Wells Fargo simply blamed me without any adequate investigation and declined to return the stolen {$22000.00}. Please see that attached letter to Wells Fargo which goes into more detail.
Consumer complaint received 2016-07-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TD BANK US HOLDING COMPANY (VA)

Target is reporting a status of Charge Off to Experian which is incorrect. I have been attempting to resolve this issue for almost for years. This account was legally discharged through a bankruptcy, this account was never charged off.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Last month, I received a strange letter ( attached ), I believe from Bank of America, and a hard inquiry on my XXXX credit report. I did not apply for credit of any kind. 

The credit report lists the following information : BK OF AMER Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX, XXXX I initiated a message to Bank of America 's fraud department but received no reply. Today, I disputed the inquiry with XXXX. They asked me to report this to the FTC and that the agency passes along information about this report.