davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WITH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIETELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

TRANSUNION : XXXX XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) -CXXXX XXXX- CHARGEOFF ( CERTIFICATE OF INDEBTNESS ) -XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX -XXXX XXXX  {$14000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX CHARGE OFF IS A CERTIFICATE OF INDEBTNESS . INCOME CANT BE REPORTED. 

XXXX, XXXX XXXXXXXX XXXX- CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) - XXXX XXXX {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) -XXXX XXXX LAST ACTIVITY XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX, XXXX XXXX  XXXX XXXX CHARGE OFF ( LAST ACTIVITY XX/XX/XXXX. XXXX BUT OPEN DATE IS XXXX XXXX. XXXX ) XXXX XXXX $ {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) -XXXX XXXX  LAST ACTIVE XX/XX/XXXX BUT OPEN DATE IS XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXX  LAST ACTIVE XX/XX/XXXX BUT OPEN DATE XX/XX/XXXX, THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX CHARGE OFF IS A CERTIFICATE OF INDEBTNESS. INCOME CANT BE REPORTED. 


IN ACCORDANCE with the fair credit reporting act. public law 91-506. title VI, section611. provide the names and business addresses of each individual with whom you verified above so that i may follow up. please send me an updated copy of my credit report after your investigation.

Reporting inconsistent balances across bureaus date of first delinquency illegally being changed privacy act of 1974 this is a voilation 15 U.S.C.CODE 1681B every company must have written consent to confirm everything is accurate.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX Bank of America allows a law firm of enter me and wife account and take out XXXX out of our account. I call the bank and all they did is give me the number to a law firm. So i called the number and they said it was an old worker compensation case that they claimed my job did not pay XXXX old case and their were no court judgement against me. So i dont understand how the bank just turn my funds to some person without my knowledge.
Consumer complaint received 2021-01-01
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have been complying with all of their Instructions and sent my Government Issued ID 4-5 times and they keep on saying they can't read it or it's blurry.I don't know what else to do.There are credits money being refunded to these cards and they are probably denying them as well.This Capital One XXXX XXXX XXXX has been in default for months and they keep denying my ID? So I can't use my cards and they are not doing nothing.How can a Government Issued ID be Blurry? I copy it on the printer and fold the paper not on the ID or the back of the ID but so it's not creased in any way and still they say they can't read it? I don't understand this .This has gone on way too long for a Dispute.Why are they not accepting my ID? This is very upsetting to me, everyone else in my household can read it, Why are they refusing it so many times? Please help me so I can pay these off and delete my accounts totally with Capital One Credit Cards.Thank You so much.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

Have gotten late fees on credit card from floor and decor at XXXX. They received my payment each month on the XXXX or XXXX of the month prior to it being due. When I called I was told that since I paid prior to the XXXX they counted it towards that month rather than the next month and then charged a late fee each month. I feel that I should not be charged a late fee for paying too early. This has been going on for end of XXXX and XXXX
Consumer complaint received 2024-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (WI)

In XXXX I was having financial difficulties due to the economic crash of XXXX and I requested a home loan modification from my mortgage company ( American Servicing Company ), a subsidiary of Wells Fargo, I was denied several times, being told that I didn't qualify. As a result, I lost my home that I had paid for for sixteen years, and believe it or not in XXXX of this year ( XXXX ) I received a check in the mail from Wells Fargo for XXXX XXXX dollars and a letter stating that during a review of my mortgage account, they identified they when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for XXXX. We apologize for any inconvenience this caused.
Consumer complaint received 2023-07-17
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. (NY)

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 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 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 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 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 2024-03-25
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. (CA)

In accordance with the Fair Credit act, Transunion has violated my rights.

15 U.S.C 16811 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. I did NOT give Transunion any written, non written, verbal or non verbal consent to furnish or collect this private information. Upon further inspection it appears Transunion gets
this information from a furnisher called XXXX solutions. I have never heard of this company and therefore have not given them any written, non written, verbal or non verbal consent to furnish or collect this private information. 
XXXX does not have " Bankruptcy '' listed on my report, therefore creating discrepancies between XXXX bureaus. 
The Bankruptcy Courts have also confirmed that they do not share or forward this information to any XXXX party companies.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I will attempt to make this short and sweet. I am downsizing and I notice that my Comps are approximately XXXX mil to XXXX mil in XXXX, MD for my current home. The comps are no where near the estimated XXXX mil cost of my home brought in 2008 despite excellent and upgraded condition. I know when I mortgaged my home, I was compared to several homes of equal value or more, i.e. ( comps ). However, upon reviewing the original Comp appraiser documents this week, I was told by several realtors currently I cant use the water front properties as comps although that was the case that my bank, Suntrust, used to qualify me for a XXXXmil loan in 2008. The homes in XXXX have not decreased by 25 %, so why has my home done so. I found out I was overcharged using False Comps ( waterfront ). Im trying to sell my home to downsize, moving with my job. I cant do it without coming up with MORE money. Unfairly, fraudulently treated.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

Dear Sir/Madam, I am writing to file a formal dispute and seek your intervention in a matter of grave concern regarding my banking relationship with Chase Bank XXXX On XX/XX/XXXX, I received a notice from Chase informing me that my accounts may be closed if I did not reach out to them. When I reached out the same day I was informed that my accounts has been closed, and my funds have been withheld without any explanation provided. 

I have been a loyal and responsible customer of Chase Bank for quite some time, and I have always maintained my account in good standing. I have never engaged in any activities that violate the terms and conditions of my account agreement. Therefore, I am utterly perplexed and deeply troubled by the sudden closure of my account and the withholding of my funds without any prior warning or explanation. 

Despite numerous attempts to contact Chase Bank and seek clarification regarding the reasons for this abrupt action, I have been met with evasive responses and lack of transparency. The lack of communication and accountability demonstrated by Chase Bank has left me in a state of financial uncertainty and distress.

Additionally, I was advised by Chase Bank branch representatives on XX/XX/XXXX that my funds would be sent overnight to me. However, upon following up, I was informed that there were no funds in my account to send, despite the fact that over {$5500.00}, including my XXXX benefits from the Department of Veteran Affairs, is missing. This situation has put me at risk of eviction and has caused severe financial hardship. 

I am consistently met with dead ends and endless transfers when attempting to resolve this issue with Chase Bank. I believe I am a victim of theft by the bank, as they have failed to provide a reasonable explanation for withholding my funds and closing my account. 

As a consumer, I believe that I am entitled to clear and justifiable reasons for any actions taken by my banking institution, especially when they involve the closure of my account and the withholding of my hard-earned funds, including critical benefits. Therefore, I am reaching out to the Consumer Financial Protection Bureau to request your urgent assistance in resolving this matter promptly and ensuring that Chase Bank provides me with a satisfactory explanation for their actions. 

Furthermore, I urge the Consumer Financial Protection Bureau to investigate this issue thoroughly and take appropriate measures to hold Chase Bank accountable for their conduct. No consumer should have to endure the XXXX  and frustration of having their account closed and their funds withheld without valid justification. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your assistance.
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: REGIONS FINANCIAL CORPORATION (FL)

my credit was ran by auto dealership on XX/XX/XXXX without my consent. consent was provided on XX/XX/XXXX to run that day but no verbal consent nor written consent was provided on XX/XX/XXXX
Consumer complaint received 2020-12-31
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. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY XXXX XXXX  ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (WI)

So Wisconsin uses epic card as a means of child support deposits in XXXX there was a fraudulent charge and I had did a lost or stolen card so no more money would be taken out. 
By doing this calling back to try to dispute the charges it would not allow me to do so until a new card arrived which took 2 weeks. 
When I received the new card I immediately called to dispute the charges and to try to retain my money back I was transferred several times each time being an hour on the phone so far to this point I've spent over seven and a half hours trying to receive my child support money back. 
I was sent paperwork to fill out and the representative said if I fax it that I should get a reply within 5 days. I faxed the paperwork via XXXX I paid {$5.00} to do so I got a confirmation that it was sent on XX/XX/XXXX. 
The company is website policy states that if a decision is not made within 10 days that you will get your provisional credit back as they still continue the investigation. 
Yesterday I spent 2 hours on the phone and was told that no one has actually looked at my paperwork and although their website States after 10 days I would get my provisional credit back they refuse to give me my money back. 
Their website also lists their policy as if fraudulent charges look to be happening they would call you I explained to them this is partly their fault for not doing their job as there were charges multiple very suspicious being through one second at a time all were denied and I was charged point of sale denial fees for each time this was done. 
I have never in my life had such a hard time trying to regain fraudulent charges especially on a card that is for child support this year alone they've charged me over {$60.00} in fees for charges some of them I don't even know of it's not the first time my card has been hacked I never got my money back for that and I was once again charged multiple point of sale fees. 
This company is beyond despicable and I don't know how they are able to get away with taking money not following their policies and having me spend seven and a half hours on the phone trying to receive my money back. 
Many times they hung up on me and all I want is for them to follow through with their policies listed under their terms and conditions.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

XX/XX/2021 I.C. Systems filed XXXX collections to XXXX Acct # XXXX for {$140.00} Acct # XXXX for {$97.00} Acct # XXXX for {$240.00} None of these were mine. I call I.C. Systems, furnished the account # and explained these were not mine. I. C. Systems went on to get my information. They have no record of me in there system. Rather than correct the problem with the credit bureau ( XXXX ) they refused to speak with me any further.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My previous complaint was closed and without resolution..and today, the same issue occurred. I played phone tag for days with a BofA rep who shared that a letter would be sent, which I never received. Today, the same thing happened, they withdrew money from my account bringing my account to {$100.00}. vs. setting up a payment plan that would not cause this to happen. Don't they pride themselves on customer service? Perhaps they need a lesson in what service looks like. They continue to be fraudulent and predatory in their business dealings and consumers continue to be taken advantage of by these banks without available recourse. It's unacceptable and the CFPB needs to PROTECT consumers vs. letting the banks " consumer complaints '' department give us a bunch of XXXX and then continue to do what they did that caused the complaint in the first place.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
Consumer complaint received 2022-10-29
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. (FL)

I am XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 





As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX and XXXX XXXX XXXX - no acct # listed XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX Delete all hard inquires & late payments as well.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (FL)

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.