davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2023-01-16
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/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX  days and they have failed to respond. I am attaching copies 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 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

My husband passed n I tried everything to save my house well they for closed plus he had a XXXX XXXX life insurance on it I never received. They told me my name wasnt on house my husbands name was XXXX I even tried filing bankruptcys
Consumer complaint received 2023-01-16
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NY)

This complaint is against Barclay 's Jet Blue Credit Card my acct. ending in XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX On SUN. XX/XX/XXXX, I e-mailed XXXX XXXX XXXX ; in XXXX, XXXX using my JetBlue Mastercard to reserve a room for MON. XXXX. XXXX. XXXX I had cut my vacation short due to family matters and had to return to New York, XXXX. 

When I arrived at the XXXX XXXX XXXX on MON. XXXX. XXXX the front desk told me they had no such reservation under my name but had a room available. Which I obtained using my JETBLUE CREDIT CARD. 

I checked out of hotel on the morning of XXXX XX/XX/XXXX and went to XXXX XXXX hoping to get a flight to XXXX XXXX However ; no flights were available til the next day ; I purchased ticket and returned to the XXXX XXXX XXXX later that day. 

The front desk representative at the XXXX XXXX XXXX informed me there were no rooms available nor any other hotels in area. 
So not having a hotel I had to spent the rest of the day and night at the airport till my XX/XX/XXXX XXXX XXXX flight to XXXX NJ. 

Sometime later when I received my JETBLUE M.C. credit card statement there was a charge of {$140.00} for hotel logging on XXXX. XXXX. 

I immediately filed a complaint with BARCLAYS JET BLUE CREDIT CARD. 
I also contacted the hotel through e-mail but got no response. 

On XX/XX/XXXX BARCLAYS JETBLUE reinstated charge stating merchant had not violated terms and conditions of sale. 

This is completely false. In a written statement given to BARCLAYS JET BLUE in their defense they state : " XXXX XXXX made the reservation by phone. He was advised about the cancellation policy. The customer never arrived so we charged him. '' The fact is ; if that if that was true they would have my correct name since reservations would have been made on my credit card. I made no such reservations and if I did it would be under my name XXXX XXXX. 

Again I sent documents in my defense to BARCLAYS JET BLUE and never heard from them. 
I called them to inquiry on XXXX. XXXX. XXXX, XXXX and was told it was determined the charge was legitimate. 
It was not only NOT but in fact FRAUDULENT! With overwhelming evidence in my behalf. The BARCLAYS JETBLUE representative stated there was nothing that they could do but I could reach out to the hotel again. 

I request a full refund of the false charge of XXXX & want to file a formal complaint against BARCLAYS JETBLUE CREDIT CARD for their unprofessional, lackadaisical and promotion of fraud by a vendor and not protecting me, the card holder of this false charge.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Back in XX/XX/XXXX, BofA targeted me through my online account used to manage my credit card with " an exclusive {$300.00} checking offer '' for opening a checking account. The terms were to make {$4000.00} in " Qualifying Direct Deposits '' within 90 days of account opening, and the bonus would be paid within 60 days. I opened an Advantage Plus Checking account online through the link provided by them on  XX/XX/XXXX, and fulfilled those terms with payroll direct deposits by XX/XX/XXXX, as follows : XXXX {$240.00}, XX/XX/XXXX {$630.00}, XX/XX/XXXX {$600.00}, XXXX {$980.00}, XXXX {$1000.00}, XX/XX/XXXX {$540.00}. After 60 days went by and no bonus was paid, I called them. Spoke to someone in the " Deposits '' department, who looked over my statements with me, noted the payroll deposits in question, and escalated the case for me. I was told I should hear back within 2 weeks, and if not to call them back. I heard nothing, so I called them back, and was told that my deposits didn't qualify for the bonus. I contested it and escalated the case again, and was told again that I should hear back within 2 weeks. Again I heard nothing, so again I called them back, and was again told that I did not qualify for the bonus. This time, I asked to speak to a supervisor, who argued with me that my direct deposits, which were payroll from my employer, WERE NOT PAYROLL but were ACH TRANSFERS! After going around in circles with her, I hung up. As of today, XX/XX/XXXX, I was finally able to zero out and close my account with them. I feel they lured me in with the promise of a bonus that they never planned on paying out, and are a dishonest company. I've been a customer of BofA since XXXX, and it seems any time there is a problem they fail to protect the customer or take their side. Next step is closing my credit card account.
Consumer complaint received 2023-01-17
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. (NC)

My name is 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 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Checking and Savings account closed sometime ago. Just received a notification that checking was charged off for a {$130.00} that was XXXX out over a month ago as I was informed. the savings account never received a deposit of any kind and was supposed to be closed shortly after opening
Consumer complaint received 2021-03-12
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. (GA)

XXXX XXXX reported 2 late payments on the account when in fact the account was set up on auto pay and the two " late payments '' actually did happen. I contacted XXXX and the credit bureaus and they did not change it. I also provided them with a statement showing the minimum payment was debited out of the account.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX  Date of Birth : XX/XX/XXXXXXXX XXXXXXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of items attached below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-03-11
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: Experian Information Solutions Inc. (HI)

Experian XXXX /XXXX  XXXXXXXX  XXXX XX/XX/2019 inquiry XXXX  XXXX XXXX XX/XX/2019. I call and ask them to dispute both.
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

XXXX XXXX XXXX opened a collection of {$47000.00} to my credit account, I do not owe with XXXX XXXX XXXX  and XXXX XXXX XXXX was asking for information that was impossible for me to attain to dispute the account ( I needed proof of utilities payment in my name during a period of time I was living as a dependent under my parents ). XXXX verified false information that XXXX XXXX XXXX used to open the collections on my report and subsequently updated my credit report with that false information. At the time, I was trying to achieve a personal loan to help re-instate my parents ' mortgage they inherited from my recently passed grandparents to prevent their foreclosure. I can not find a loan anywhere due to the impact the fraud has had on my credit score.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

1. XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX SSN : SS # : XXXX 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. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC 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 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

RESTITUTIONAND other attempt to collect debt not owed ID THEFT never resolved. USAA rep harrasses with, WE KNOW YOU HAVE MADE PAYMENTS ON YOUR DEBT. 
*** I made payments because USAA LIED TO ME FOR TWO YEARS *** CLAIM8NG USAA PERMANET CREDITS WERE MADE TIMELY THAT DID NOT EXIST. 
Fooling me PRETENDING TEMPORARY CREDITS WERE INCLUDED IN TOTAL CREDITS ** AND THEY ARE NOT TO HAVE 2 CREDITS ONE PURCHASE. Providing a way to create ALL THOSE CREDIT REVERSALS telling Consumer I HAD 2 CREDITS FOR ONE PURCHASE SO USAA TOOK THEIRS BACK. ** ONLY PROBLEM WAS USAA NEVER GAVE THEM TO TAKE BACK ** Yes, USAA YOU POWERED OVER ME MAKING ME PAY YOU. Abuse of Power is  Dangerous Abuse. YOU DESTORYED MY CREDIT YOU STOLE MY SOCIAL SECURITY YOU NEVER MADE GOOD FRAUD REPORTED XX/XX/XXXX - XX/XX/XXXX. AND DEFAMATION RE : XXXX XXXX.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX called the bank Wells Fargo and asked if I could go into a branch and withdraw a large sum of money in cash. I was told it shouldnt be a problem. When I arrived at the bank and made my request I was asked what the money was for. I said a large cash purchase. I was then told to wait. When I was the only person in the bank the manager told me I would not be able to withdraw the money and that I would not be served at that branch again. She then told a member of staff to close my account.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (CA)

On XX/XX/2016 NetCredit allowed someone to fraudulently apply and receive a loan in my name in the amount of {$5800.00}. When I found out about the loan I called the company and informed them as well as filled a police report. I have filed a Identity Theft Report with the Federal Trade Commission and reported it to the credit bureau 's. Netcredit would not do anything about the fraudulent charges and has since sold the debt, which was still in my name to other debt collectors.
Consumer complaint received 2023-01-17
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. (TX)

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (TX)

Ive been a Credit Karma customer for many years. I believed them when given my credit score. It turns out that it is very inaccurate. I have also in the past applied for credit cards from their application, due to messaging stating I am pre-approved. Turns out, they were wrong. I didnt get the credit cards, and in turn decreased my credit score even more with multiple hard inquiries. I became a Credit Karma member around XXXX  to improve my credit, but the opposite happened. 
XXXX XXXX XXXX XXXX.