davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My made multiple attempts to pay my monthly car note payment. The payments are not going through because Capital One keeps trying to take the money from my savings account and not my checking account. Ive called XXXX to update the information. Most recently, on XX/XX/2024, I called in and spoke to a rude Rep and updated my checking account information again and today the payment declined for insufficient funds. I dont recall ever giving my saving account info and i have attempting to fix this problem multiple times. please help
Consumer complaint received 2023-07-19
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. (MI)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$9100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9000.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

last week i received a copy of my credit report and noticed several accounts that are listed on my report that never applied for never used i dispute these accounts and refused to remove these accounts are indentify fraud comenity XXXX, XXXX, {$3800.00}, XXXX Dept of EducationXXXX, XXXX XXXX {$5200.00} XXXX ( XXXX ) XXXX, deptofeducationXXXX Dept of educationXXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX XXXX deptofeducation/XXXX Dept of educationXXXX, XXXX, {$6100.00}, ( XXXX ) XXXXdeptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$3200.00} XXXX XXXX XXXX XXXX XXXX, deptofeducationXXXX dept of educationXXXX, XXXX, {$5000.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX  XXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX, XXXX, {$6300.00}, ( XXXX ) XXXX, deptofeducation/XXXX.com Dept of education/XXXX XXXXXXXX, {$10000.00}, ( XXXX ) XXXX, deptofeducationXXXX XXXX XXXX XXXXXXXX, XXXX, {$16000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, {$16000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$11000.00}, ( XXXX ) XXXX XXXX  XXXX, XXXX, {$1500.00}, ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, ( XXXX ) XXXXXXXX XXXX
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc. (CA)

In XXXX and XXXX of XXXX I submitted electronically two payments to Dell which brought my purchase of a laptop as paid in full. Some time later I received a notic e from Dell 's financial institution, Comenity Bank, that my account was over due. After contacting my bank, XXXX, I saw that the checks had been sent and I requested Proof of Payment of both transactions which I sent to Comenity Bank ( see attached ) .After a prolonged investigation on their part they wrote me ( ltr attached ) that these checks were cashed by someone unknown and that I was still, liable for the two amounts plus late fees. I do not believe I am not responsible. This also impacted my credit score which was always over XXXX.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Unauthorized inquiries on my consumer reports : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX ( XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial (TX)

Again raising concern that Westcreek XXXX XXXX has never provided debt validation nor rights to dispute. Understand that westcreek is a XXXX party creditor however, I still have right to fcra and in order to validate, information is needed. 

Westcreeks generic response and delay in providing necessary documentation is causing undo financial and emotional stress.
Consumer complaint received 2023-02-03
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes Sincerely, XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (IL)

On XX/XX/XXXX Chime sent me an email indicating that an account was created for me, they were sending me a XXXX debit card, and instructing me to sign up for direct deposit. I never signed up for an account with Chime. When I called to inquire about this unsolicited email and card they requested my social security number in order to close my account. I did not give this information. As a result, they said they were unable to close the account ( that I didn't sign up for ). They have no right and no permission to use my information to send me offers. This is harassment and a misuse of my personal information.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020 I was sitting outside of a restaurant when a gentleman came up to me and said excuse me sir I dont mean to bother you, Im just in a predicament right now, and was wondering if you could help me out. Being that I grew up in a low income area Ive always been taught to not judge a book by its cover and try and always have a kind heart. So I said what can I help you with you boss? He said, you wouldnt happen to have a Bank of America account would you? I said yes sir as a matter of fact I do. 
He told me he didnt want to pay the Check Cashing place fees to cash his check, and it was after bank hours, I believe it was around XXXX or XXXX? 
So against my better judgement, I helped him cash his check. And the next day I saw where the check had bounced. 
I felt so stupid. And thats not even the worst part! Ive gotten scammed like this ( the exact same way ) with 2 or 3 other banks! The only reason I didnt do anything about the situation on all 3 or 4 occasions, is because the amount that the scammers took out in my name was so large I just felt hopeless. I didnt know where to go, who to talk to, what to do. But now that Im starting a new career, I need to open an actual checking and savings account, and I cant, and Im assuming its because the banks think Ive been scamming them.
Consumer complaint received 2023-02-03
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. (VA)

My name is XXXX 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.
Consumer complaint received 2017-06-02
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: JPMORGAN CHASE & CO. (MD)

I disputed a charge with a merchant that sold me counterfeit and defective goods.  Chase i nstructed me to contact  XXXX  to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted  XXXX  and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to  Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. I contacted Chase  and was tol d I would have to submit a request to have the dispute reopened in writing. I did so and included all information that Chase had requested from me since Day 1 of the dispute. Chase then told me I needed to submit proof that the merchant would not accept a return. I contacted the merchant and the merchant confirmed in writing they would not accept a return. I submitted this confirmation to Chase through their online portal. A month later Chase sent me a letter saying they would not protect me in this case because too much time had passed, and they could not recoup the money from the merchant.   <P/> I   disputed this charge last year, and Chase has dragged it out for months and months by requiring additional arbitrary information from me on an incremental basis.
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Additionally, Chase has not communicated with me in any way other than regular mail. No information is available through their online dispute portal or online communications portal other than automated responses along the lines of " We have received your message and are investigating your dispute '' ... Mail from Chase looks like any other piece of spam mail. Further, Chase never makes me aware that    they are sending me any correspondence via regular mail, thus I do not know to look out for it. I am a digital customer ; why encourage me to go paperless if your dispute process is entirely paper-based?  <P/> 
This is infuriating. Chase had every opportunity to side with the customer from Day 1 of this dispute. I have provided everything requested.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These are following acts that violate the constitutional rights, U.S. 1581 **Inquiries- XX/XX/2XXXX 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 *** Derogatory account information XXXX XXXX XXXX XXXXOpened XXXX ( XXXX XXXX XXXX XXXX  XXXX -Opened XX/XX/2023 ( XXXX credit limit ) XXXX XXXX XXXX XXXX - Opened XX/XX/2023 ( XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-18
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. (FL)

Per Fair Credit Reporting act, all information on a report must be correct and factual. 
the following accounts, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA
Consumer complaint received 2023-07-18
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. (SC)

I have filed multiple disputes regarding my reports which they have claimed to have verified. there is a lot of inaccuracies, and inconsistencies on my report that is not metro 2 compliance. The following items on my report that was disputed : 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 2023-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (WA)

I recieved a notice today that I owe XXXX XXXX XXXX XXXX. The letter claims this debt is from XX/XX/XXXX. I was sent the notice by Radius Global Solutions LLC. This is alarming for numerous reasons... I dont remember this account or credit card and if it was in fact in year XXXX it would have been paid off. My ex husband paid off all my debts that year, or probably included in my bankruptcy filed back in XXXX. Regardless of the situation this is alarming in that this is an illegal debt collection because its from over 9 YEARS ago. I'm concered that this may be a scam of some sort and its very concerning. Im not sure what to do and I'm also concerned how they could have possibly got my information. My address is private and I'm in the address confidentility program.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I am hard of hearing and often have to use a TTY line. TTY lines have a delay and I get hung up on. Wells Fargo 's phone lines disconnect when switching lines often too. 

The account " available balance '' is delayed, significantly. For example it states " {$400.00} available '' you make a " {$200.00} '' charge, it " suddenly updates '' the balance to say you don't actually have the much. 

I have Overdraft protection off. I opted out of all overdraft protections. Wells Fargo still " lets '' them go through. Debit card is off, Wells Fargo still lets it go through, even when balance is low. Instead of declining it. Wells Fargo stated you must call their customer support to take away the " pre-authorizations '' in order for it to decline. I've done this numerous times and Customer Support says they can't do that, which is contrary to the website 's documentation. 

Being a hard of hearing individual, makes working with this bank difficult. I feel my XXXX right is violated when I attempt to reach out to them. 

Wells Fargo is stacking my overdraft balances. For example I had only {$13.00} left. Wells Fargo allowed a debit charge to go through ( when the card is locked ) and overdrafted it by {$2.00}. Then it allowed XXXX others to go through, and overdrafted. I transferred money to cover it, but, Wells Fargo waited XXXX hours to count the transfer and charged overdraft fees. 

I lost my job and I want ALL overdraft protection off. I don't wany anything to go through if there's no balance and I have communicated this numerous times to Wells Fargo, which is a standard banking product. Wellls Fargo refuses to do this.
Consumer complaint received 2023-07-18
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. (AL)

On XX/XX/2023 I called XXXX XXXX  to dispute information that was reporting incorrectly on my credit report. I was transferred to the Credit Reporting Department with XXXX XXXX  and was told that " your account has been purged and is no longer in our system ''. I then asked if she could at least pull up my payment history on the account and she said, " No, I can't pull up anything about you in our system because your account has been purged from our system ''. 

On that same date, following the call with XXXX XXXX, I filed Credit Disputes with Transunion and XXXX online. I submitted a dispute letter and several files of evidence to support my claims. 

Transunion completed their investigation within XXXX business days and XXXX also completed theirs within XXXX business days. Neither of the Credit Agencies updated my credit reports with the disputed information although they both did make minor changes. 

If XXXX XXXX  has told me themselves that my account was purged and removed from their system, how did Transunion and XXXX verify any of the information that is showing on my credit report or the disputed information? 

The credit agencies actually removed half of my payment history from the disputed account. I was showing 79 % of on time payments prior to the dispute and because much of the monthly payment history was removed, my on time payment history dropped to 52 %. This account has been closed for XXXX  years and there haven't been any additional payments made on the account once it was closed. So, there's no way that my actual payment history percentage should have changed as that's not what the dispute was regarding.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (CA)

Affirm is reporting a debt on my credit report that is not owed. They are reporting this debt as a charge-off. This debt should have had a XXXX issued when charged off in XXXX. This XXXX and charge-off change the dollar amount from the debt owed to income paid and can no longer be reported as debt nor included on a credit report.
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

In XXXX I contacted my mortgage company they over paid my property taxes. Final the city of XXXX sent the overpayment back. I contacted my Mortgage company my proper taxes are frozen and what the proper amount should be. They discovered their was an error and requested the over payment back. In XXXX they have made the same mistake after me calling and sending them information that my property taxes are frozen. This year once again the over paid my property taxes {$3900.00} but according to The city of XXXX my property taxes are {$1700.00}. My Mortgage company is New Rez LLC loan number XXXX. Telephone number XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX checked my credit report on XX/XX/2021 and I noticed some fraudulent accounts that's reporting to my credit report I attempted to reach out to the credit reporting agencies and I was not able to resolve the issues.