davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2018-10-02
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: Clark County Collection Service (NV)

I have tried to correct this numerous times with XXXX XXXX as well as clark county collections to no avail. I was looking closer at the paperwork clark county collection sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with XXXX XXXX which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/2016 which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking clark county collections if it is correct.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For our Bank of America XXXX XXXX  XXXX credit card, we made a payment on the due date XX/XX/2023 using a Bank of America checking account. The DUE date on their business website shows due date being XX/XX/2023 which is the day we submitted the payment. 

The bank is claiming the payment didn't post until XX/XX/2023 and so they erroneously charged {$39.00} + {$48.00} in late fees and finance charges which seems obviously a case of gouging and attempt to charge us unjust fees. 

I have attempted to speak to their customer service team 3 different times including with a supervisor about this matter and all they keep saying is this account isn't eligible for a refund.

Despite us having an eight year business banking relationship history with Bank of America, they refuse to try and help at all and are insistent the fees are valid. 

We're hoping the CFPB can assist in this matter and help other consumers know the unethical business practices that Bank of America is conducting.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (FL)

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 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2019-07-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

I have recently discovered through my monitoring service that I am a victim of Identity theft. I have noticed over the past few months accounts not belonging to me being reported to my file. I have reported fruadulant account reported as CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) for the amount of {$2100.00} I have tried to reach out to this company in efforts to resolve this matter and remove this from my file previously although nothing has been done to resolve this matter.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, XXXX XXXX  tokens and XXXX XXXX tokens were wiped out from my coinbase wallet and its the pure case of account takeover. As per coinbase my wallet access phase was compromised.But without me sharing any information nor accessing the wallet from my device, how can someone log into my wallet, undo my face id authorization for transaction and wipe out funds without Coinbase even sending a notification/text alert of login into wallet? This is purely a security breach from coinbase and this has costed me $ XXXX USD worth of tokens lost.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

im trying to file a dispute online and transunion did not let me upload to documents showing that my student loans were transferred. i called XXXX XXXX XXXX but the person was in XXXX  i asked to speak with an XXXX  but they hung up
Consumer complaint received 2022-09-30
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. (NJ)

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

Attention XXXX XXXX : I applied for a Credit Card on XX/XX/2023 and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( s ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e False and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities Fraud. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. XXXX XXXX XXXX Beneficiary/Attorney in Fact .
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 2022-09-30
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. (CT)

This is pretty basic Prior to Covid 19 credit score good XXXX. 
My graph shows the continuous decline from XX/XX/2020 to now credit score XXXX. 
Iam XXXX and single had to move into apartment and find work no easy task. 
Iam still trying to make rent alone. 
Question : Why can't my credit score be paused at 2020 or at least have a seal stamped on it Covid problem trying to climb out of XXXX. Employers see this score it doesn't look good!!! 
Not to mention I was a first responder during Covid. 
I did get help from XXXX the first round and applied again but was told I need arrearages!?? well, I did not have arrearages because I stopped paying my debts in order to have a roof over my head! ( priority ) Hence my XXXX credit score I just barely make my rent and I don't live in a overpriced situation. 
******I want to have my credit looked at prior to Covid 19 I always paid my bills now it looks bad! ** This is not right!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (AL)

WELLS FARGO BANK has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On the afternoon of XX/XX/2023 I placed a total of XXXX banknotes consisting of XXXX {$100.00} bills and XXXX $ XXXX bills. I did not realize that the ATM had a limit of XXXX bills for accepting cash deposits. 

The ATM spit out a number of bills, which I deposited on a second deposit basis. However when I looked at my ATM receipt, I was credited with {$5300.00} instead of the {$6400.00} that I had deposited. I was shorted {$1100.00} by the ATM. I believe that the ATM malfunctioned. 

I immediately went inside the bank and informed the staff, who told me that the branch was helpless to do anything, and I would have to call an XXXX number to file a claim, and I did as instructed. 
More than a month later, I received a standard boiler-plate form letter that my claim was denied after reviewing my account history. 
I have contacted BoA call center a number of times to dispute the finding and to understand how that decision was made. I have not been provided a logical answer. I also emailed the CEO of BOA, and received a call back from the XXXX Escalation office that they would follow up, but that never happened. 
I had hoped that the bank would research the amount of money that was deposited and withdrawn in and out of the ATM in question, to determine if there was indeed more money in the box than the ATM showed. This would require that the actual physical cash in the ATM box should have been reconciled with its electronic readout to determine a discrepancy. Bank of America never did this work.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00} - I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

on XX/XX/22 I filed a complaint with Experian about a account XXXX XXXX XXXX XXXX # XXXX you're continuously reporting inaccurate information violating my rights.. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?. the phone number is disconnected and the address is incorrect. delete this account its not mine.. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ACCOUNTS on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX Balance : {$40.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00}
Consumer complaint received 2024-03-13
Product: Credit reporting 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. 
Account name : XXXX XXXX # XXXX, XXXX & XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (CO)

On XXXX XXXX I brought {$890.00} dollars cash to Navy Federal Branch XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Virginia XXXX. After giving the cash to the teller, he put the money into the bank teller cash counting machine. The machine counted the money. The money was deposited into my account and upon receiving my funds receipt the total amount deposited was {$590.00}. I brought it to the attention of the teller and bank manager. The bank manager completed an audit of the machine and said the machine did not make any counting error. I have not repercussion for the approximate XXXX dollars missing. 

I am not convinced the machine audit was done by a human and the counting machine is still making the same mistake.
Consumer complaint received 2024-02-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Wolf River Development Company (LA)

I applied for a loan, I was told that they could not verify my phone number and banking information. I spoke with a representative on XX/XX/24 and she advised I would have to do a three-way call with my bank to verify my information. I tried to call them but they were closed so I told the rep, I may call back on Monday XX/XX/24. I never called my bank or Elklending on or anything after that. I see in my email I got a approval from them without verifying my banking information or the number as they requested. I also did not e-sign any documents for the loan or finalizing anything. Now they say they credited {$600.00} to my account and now they are taking {$170.00} from every paycheck which I do not know any terms nor have I agreed to anything.
Consumer complaint received 2023-05-11
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: WELLS FARGO & COMPANY (NJ)

XX/XX/17 I made a payment to well fargo credit card. 8 days later on XX/XX/17 they charged my card off as 60 days past due. Their data in credit reporting shows I am 30 days past due in XX/XX/2017 and current in XXXX, charged off and 60 days past due in XXXX. There is no logical sense for this and XXXX XXXX does not see the information is wrong and logically makes no sense, therefore does not delete it off my credit report.