davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit  bureaus, but they are not being reported.
Consumer complaint received 2020-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020,, Cont,, Issues And Mr XXXX XXXX XXXX,, CEO,, Director Of Wells Fargo Sent And Email To All Customer And Busness Owners,, About The Covid19 Benifits And Assistance,,
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

Derogatory accounts that are 7 years old and older keep showing on the report. Items that have been paid are still showing as negative. My credit score is being affected with the COVID-19 Crisis and that is not fair to the consumer. Credit scores should not be dropping during the pandemic.
Consumer complaint received 2020-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

Mohela 1. Second installment on this loan was late by one day, company change loan repayment schedule, and called the account delinquent ; without my consent. 

2. Company has changed interest rate and repayment schedule on fixed rate loan ; again with no notification or consent.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

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 2023-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Thank you for your time and help in this matter.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE ()

Dear Sir/Madam, I am a Western Union customer since XXXX and always had an excellent service from them. 

Unfortunately I had a recent problem with them, because the sender, whom I've known and lived with for the last 15 years was getting an error every time he tried to send the order as DIRECT TO BANK to XXXX, either online or at physical locations. 

Whenever the sender sent orders as PICK UP IN PERSON it worked perfectly fine. 

The sender then successfully sent as Pick up in Person to XXXX. 

Due to coronavirus, all Western Union locations were closed in XXXX and for that reason I requested the sender to cancel the money order and send me by wire transfer using a bank. 

Sender went to a Western Union location and cancelled the order and received a refund. 

On the same day, I emailed Western Union corporate office to ask them if they could figure out why the sender was getting an error when trying to send a money transfer as DIRECT TO BANK in XXXX. 

To my surprise I got a response from their corporate office saying I was a ''victim of fraud '' and therefore I can no longer use Western Union services and that my case ( # XXXX ) is now closed. 

I have been a Western Union customer for over 20 years and I also work in the financial sector and I have never seen such an arbitrary decision like this. 

I personally know and lived with the sender for the last 15 years. This same sender has sent me several orders to me since XXXX without ever having a problem. 

How can this possibly be consider as someone trying to defraud me? 

And even if that was the case, why AM I been penalized with ban if I am a victim as stated on their email? 

The only ''mistake '' I did was complain about the error I was getting in their social media and sending an email to their corporate service. Its more than obvious I am been retaliated by them just for the fact I made a complaint and this is unacceptable. 

Instead of trying to find a solution or solve the problem they simply decided to ban me from using their services. 
Its clear there is a misunderstanding in all this and I hope this can be fixed in a timely manner.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

I have not received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Consumer complaint received 2020-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westwood Legal (VA)

I emailed XXXX XXXX XXXX XXXX the first time they sent me a XXXX notification regarding a debt for a XXXX XXXX who I have no knowledge of. Now I've received a second email XXXX for this persons debt. I'm sure whoever XXXX XXXX is they would not appreciate someone else knowing of their debt. At no time is it okay to continually contact someone when you are not certain of who you are sending sensitive and private communications to. 

Communications Connected with Debt Collection 15 U.S.C. 1692b and c For communications with a consumer or third party with the collection of a debt, the term consumer is defined to include the borrowers spouse, parent ( if the borrower is a minor ), guardian, executor, or administrator CFPB Consumer Laws and Regulations FDCPA CFPB Manual V.2 ( October 2012 ) FDCPA 3 Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are : The consumer. 
The consumers attorney. 
A consumer reporting agency ( if permitted by local law ). 
The creditor. 
The creditors attorney. 
The debt collectors attorney. 

The consumer or a court of competent jurisdiction may, however, give the debt collector specific permission to contact other third parties. In addition, a debt collector who is unable to locate a consumer may ask a third party for the consumers home address, telephone number, and place of employment ( location information ). 

The debt collector must give his or her name and state that he or she is confirming or correcting location information about the consumer. Unless specifically asked, the debt collector may not name the collection firm or agency or reveal that the consumer owes any debt. 

No third party may be contacted more than once unless the collector believes that the information from the first contact was wrong or incomplete and that the third party has since received better information, or unless the third party specifically requests additional contact. 

Contact with any third party by postcard, letter or telegram is allowed only if the envelope or content of the communication does not indicate the nature of the collectors business.
Consumer complaint received 2023-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On 9 different occasions starting from XXXX to XXXX, I sent money to my son via XXXX and our Chase bank accounts ranging from {$45.00} to {$580.00} totaling {$1400.00}. All these transactions were sent using my son 's email address with no errors in the spelling. After a conversation with my son on XX/XX/XXXX, we both realized that he had not received any of these payments. I immediately went with my son to our financial institution ( Chase ) and reported the issue. They were able to see that the email address was correct but that none of the transactions went to my son 's account. A query was made to the complaint department to see if we could get our money back as it was seen by them that it went to another Chase account in error. After a few days, I received a phone call and a letter stating that I could not receive the money back. I went back to Chase on XX/XX/XXXX who pushed this issue up to a " corporate '' level complaint as it was clearly evident that it was not my fault. Once again, after a few days, I received a phone call stating that there was nothing they can do to help me. We were told by Chase the name of the person that it incorrectly went to along with the last 4 digits of the account number as it was also a Chase account customer and they still wouldn't credit my money.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In reference to account # XXXX I've been asking XXXX XXXX to show that the lease amount was paid in full for over a year. They received a check for a total loss from my insurance company back in XX/XX/XXXX. 

I was first told there was a balance after the total loss check of {$1600.00} which is more than it should have been as my insurance company paid the balance according to their records. However, to avoid this being on my credit I paid the balance. Details below : Balance owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX After subsequent calls in XXXX because the lease showing on my credit report was interfering on my mortgage closing, I spoke to another representative XXXX , on XX/XX/XXXX at XXXX PST who worked with a supervisor because he didn't know why they hadn't applied the check they received to my account to close it out. XXXX then told me I had a balance of {$790.00} which I was forced to pay otherwise I wouldn't be able to close on my condo. He assured me it would reflect on my credit report and they would expedite that. 

XXXX XXXX XXXX confirmation number of my payment. 
XXXX XXXX fee XXXX XXXX owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX Incident # 2 : Re account # : XXXX ( I had two leases with them ) There was a single late reported ( I have never made a late payment as my account was immediately set up on automatic withdrawal ). XXXX XXXX stopped making withdrawals claiming the ACH was only good for a year, however, that was not true and it was because they were switching over their systems and two different reps told me I wasn't the only one to have this issue. I never received any notification via phone, email born writing. Now I have a late payment reported due to their technological error. As everyone knows that is extremely damaging to anyone 's credit. At the very least they should remove it especially considering I've never had any late payments and two separate reps confirmed it was an issue they were having after switching their systems. I've tried MULTIPLE times with no resolve. 
XXXX XXXX XXXX ID XXXX spoke to him about removing late payment reporting to the credit bureau XX/XX/XXXX XXXX PST spoke to XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

complaint Number ; XXXX this was my last complaint number is selected the wrong company that is the only company i work for the complaint was for XXXX XXXX  my third attempt with them to get the matter resolved. 


XXXX!!!!! Lexis Nexis I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it. Not my names i have only one name and address beggining with XXXX proof attached. I have only one phone number ending in XXXX and only one company I work for XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

Both XXXX  and Equifax are reporting incorrectly that my credit utilization is 54 %. It has never been over 10 %, a fact confirmed by the sole creditor on my record. 

XXXX  refused to help me, with their agents repeatedly telling me that they couldn't do anything and that it was my fault because they don't make mistakes. I spoke to the supervisor, a man named " XXXX '', who again blamed me and my bank and told me they wouldn't help me. When I mentioned that the FCRA requires them to fix inaccurate information in a timely manner, he hung up on me. 

I have been unable to contact Equifax, despite several phone calls. They have also refused to remove a hard inquiry, that never happened from my record. XXXX XXXX XXXX XXXX  has verified that the inquiry never happened and is falsified. It also never appeared on the XXXX report, because it never occurred in the first place. 

My creditor, XXXX  XXXX XXXX, has said it is on the reporting companies to correct their mistakes, as XXXX  has provided accurate information, of which I was provided a copy.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

In reference to account # XXXX I've been asking GM Financial to show that the lease amount was paid in full for over a year. They received a check for a total loss from my insurance company back in XX/XX/XXXX. 

I was first told there was a balance after the total loss check of {$1600.00} which is more than it should have been as my insurance company paid the balance according to their records. However, to avoid this being on my credit I paid the balance. Details below : Balance owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX After subsequent calls in XXXX because the lease showing on my credit report was interfering on my mortgage closing, I spoke to another representative XXXX , on XX/XX/XXXX at XXXX PST who worked with a supervisor because he didn't know why they hadn't applied the check they received to my account to close it out. XXXX then told me I had a balance of {$790.00} which I was forced to pay otherwise I wouldn't be able to close on my condo. He assured me it would reflect on my credit report and they would expedite that. 

XXXX XXXX XXXX confirmation number of my payment. 
XXXX XXXX fee XXXX XXXX owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX Incident # 2 : Re account # : XXXX ( I had two leases with them ) There was a single late reported ( I have never made a late payment as my account was immediately set up on automatic withdrawal ). GM financial stopped making withdrawals claiming the ACH was only good for a year, however, that was not true and it was because they were switching over their systems and two different reps told me I wasn't the only one to have this issue. I never received any notification via phone, email born writing. Now I have a late payment reported due to their technological error. As everyone knows that is extremely damaging to anyone 's credit. At the very least they should remove it especially considering I've never had any late payments and two separate reps confirmed it was an issue they were having after switching their systems. I've tried MULTIPLE times with no resolve. 
XXXX XXXX XXXX ID XXXX spoke to him about removing late payment reporting to the credit bureau XX/XX/XXXX XXXX PST spoke to 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. XXXX XXXX XXXX
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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. (IL)

I have three inquiries that are not mine and I would like to remove them this is inaccurate. 
XXXX ( XXXX  ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX