davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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 XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 4 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Five months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : 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 XXXX discharged Reference # : XXXX
Consumer complaint received 2023-06-28
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. (DE)

I am writing to file a formal complaint regarding the reporting of accounts without my permission by a consumer reporting agency, in violation of the provisions outlined in 15 U.S.C. 1681b and 15 U.S.C. 1681a ( 2 ) ( b ). I seek your assistance in addressing this matter and ensuring compliance with the applicable laws.

In accordance with the Fair Credit Reporting Act ( FCRA ) and the specific sections mentioned above, I have the right to control the disclosure of my personal information and to provide explicit consent before a consumer reporting agency furnishes my account information to third parties. However, despite my explicit denial of consent, I have recently discovered that certain accounts have been reported without my permission. 

I have sent multiple disputes to the consumer reporting agency, clearly stating my objection to the reporting of these accounts and explicitly withholding my consent. Regrettably, the consumer reporting agency has either failed to respond to my disputes or has disregarded my requests, continuing to furnish the disputed accounts without valid authorization. 

I hereby request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take the necessary steps to ensure compliance with the FCRA. Specifically, I seek the following actions :
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I accessed my Capital One account on XX/XX/XXXX and it showed my accounts had been restricted. On XX/XX/XXXX I got a letter in the mail stating they were closing my account due to returned payments, however I was not notified prior to them closing my account, nor does it state anything in their terms and agreements about returned payments would result in Capital One closing your account. How can one take it upon themselves to close a customers account without notifying the customer or speaking with the customer. I have been a loyal customer since 2017 and not once have I ever missed a payment.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (WA)

On XXXX XXXX I initiated a transfer of my XXXX XXXX ( XXXX ) tokens worth $ XXXX to be sent from my Binance.us heium wallet to my Binance.us Helium wallet. It was an accident I that used my Binance wallet address instead of my private wallet. 

The tokens did not go anywhere on the blockchain because it was already in the location it was being sent to so no transfer took place. The tokens did not move but binance 's system has them locked as " proccessing '' for some reason I don't understand because it is on their end. 

I created a ticket ( XXXX ) on the same day. They have not responded in any way and meanwhile the market is undergoing drastic fluctuations and I have no access to the money. So far I have lost $ XXXX during this time because they will not respond to me and allow me access to my property to trade out. 

This is the XXXX : XXXX on the XXXX XXXX. As you can see if you check it, there isn't a transaction that matches this because it never happened. However this is the XXXX that Binance has under the transaction. 

I found a way to get their attention on twitter and they said " we are escalating this ticket to be worked on ''. This is ticket # XXXX. 

XXXX ( Binance.US ) Sent me an Email later that day ( XX/XX/2021, XXXX PD ). asking for the XXXX of the transfer and the date it was intitiated. I responded within minutes and now have been waiting another 3 days with no response from them whatsoever. Their team is completely ignoring me on twitter now as well as many others. I have no faith that they will do anything to solve my issue within the next few months because I have seen many others that have been waiting that long on twitter BEGGING them to help. 

This company needs to be shut down and not allowed to custody money of US citizens because they present themselves as a reputable company but are simply holding the funds that equal into the XXXX of millions of dollars hostage from what I can tell. Please make them unlock my funds so that I can never deal with them ever again and move on. 

Thank you so much for your time XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I mailed my request for my annual credit reports from all three ( Experian, XXXX, XXXX ). On XX/XX/XXXX I received my reports from XXXX and XXXX. Experian sent me a letter stating that I had already received my report within a 12 month period. Unfortunately XX/XX/XXXX is the month I requested my report last year the only reason it didn't get issued till XX/XX/XXXX was due to a delay tactic on part of Experian where they demanded unnecessary information in exchange for my annual report.
Consumer complaint received 2022-04-11
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX drafted my account for {$960.00} on XX/XX/2021. I had revoked authorization with my insurance agent on XX/XX/2021 because I changed auto insurance carrier to XXXX XXXX. I contacted Wells Fargo on XX/XX/2021 to complete a Written Statement of Unauthorized Debit Form to have the entry returned as a Revoked Authorization ( as the NACHA Rules allow since 60 days have not passed ). I spoke to three different Wells Fargo employees on the phone that did not know what a Written Statement of Unauthorized Debit form was. I was told by all three employees that Wells Fargo can not return an ACH transaction as unauthorized after it has posted. The only thing that could be done is stop payment on future transactions and open a claim ticket to be investigated by Regulation E. 
Because 60 days has not passed, Regulation E does not yet apply. The ACH entry should have been returned by the ACH department as R07-Revoked Authorization. I know this information because I am an Accredited ACH Professional ( AAP ). 
I appreciate the CFPB 's assistance on this matter. This entry needs to be returned before the 60-day deadline passes.
Consumer complaint received 2017-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-01-15
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 (CA)

On the date of XX/XX/XXXX, after realizing my credit card has been lost during a business trip, I immediately login to my card management online website to request for a replacement and shut down the lost card. My credit card is XXXX Visa card with Barclays ( https : //barclaycardus.com ). In the request form, I was asked what is the reason I need a new replacement card, to which I selected the option that my card was lost/stolen and received a replacement card within the next few days. 

About a few weeks later in XXXX, going over my statements as I often do monthly, I realize there are two abnormal charges from XXXX XXXX XXXX XXXX for the amount below : XXXX XXXX XXXX XXXX XXXX. {$270.00} XXXX XXXX XXXX XXXX XXXX. {$980.00} I immediately called the credit card company to let them know I don't recognize these charged and ask for a dispute. The main confusing point for me is the credit card fraud department seems to completely don't realize that I have asked for a replacement card in XXXX for lost and stolen reason and kept questioning me for why I didn't submit a report earlier. 

Through various good will attempts to explain to different staff on the fraud team, I am still unable to communicate a simple fact that I have tried to inform them in XXXX.
Consumer complaint received 2018-07-12
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. (FL)

I recently received a copy of my XXXX, XXXX  and Transunion credit reports. Each credit report shows more than 10 inquiries ( 22 from XXXX, 12 with XXXX and 14 with Transunion ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX  credit file. XXXX and Transunion is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or Transunion. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Transunion : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.
Consumer complaint received 2017-06-24
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: EQUIFAX, INC. (MA)

XXXX   XXXX  equifax mortgage services i have called varies times since  2015  i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or apply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  XXXX
Consumer complaint received 2022-04-11
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. (TX)

Experian, XXXX and XXXX are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-07-02
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: EQUIFAX, INC. (GA)

My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
Consumer complaint received 2024-03-09
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 Reporting act 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 a account without my written instructions
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/XXXX i was alerted that someone pulled my credit report from XXXX  for transunion and XXXX... ..i have not given anyone permission to do so
Consumer complaint received 2022-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (AR)

On XX/XX/2022, I transferred {$2500.00} from XXXX to PayPal using the PayPal phone app. On XX/XX/XXXX, I transferred {$250.00} from PayPal to XXXX using the PayPal phone app. On XX/XX/2022, I tried to transfer money from PayPal to XXXX using the PayPal phone app and it was denied. The PayPal phone app displays the message Theres nothing to transfer right now, but my PayPal shows a balance of {$2200.00}. Thats when I began contacting PayPal Assistant. PayPal has closed every communication with no resolution.
Consumer complaint received 2021-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (GA)

I sent a validation letter on XX/XX/XXXX and mailed it certified. I tracked the letter and noticed that Grant & Weber received it on XX/XX/XXXX. When I received the response from Grant & Weber, I noticed multiple inaccuracies. 

My name was not spelled correctly on the documentation. Also, the dates of service that were listed are incorrect. The dates listed are consecutive ( XX/XX/XXXX - XX/XX/XXXX ) ; yet I was NOT seen on all the days listed. My birthday is on XX/XX/XXXX and I have never spent time in a medical facility on my birthday, therefore I know the dates are incorrect.
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (VA)

I leased a new XXXX XXXX XXXX through my company for business purposes with the intention of buying the car for personal use at the end of the lease. At the end of the lease, I called for the buyout. I mailed the check on XX/XX/XXXX. The check was deposited by Chase on XX/XX/XXXX ( I have the cancelled check ). However, Chase did not process the purchase until XX/XX/XXXX. On four separate occasions, I requested the title. On one occasion, I was lied to that a duplicate title needed to be issued. I eventually received the title on XX/XX/XXXX with a Chase signed date of XX/XX/XXXX ( the title is not a duplicate ). It is totally unacceptable for Chase to cash my check on XX/XX/XXXX and not mail the title until XX/XX/XXXX ( 8 months ), especially after being contacted on four separate occasions. I have to wonder is this just poor service or some sort of fraud/float? Because of the delay, XXXX XXXX ( my county of residence ) billed Chase the full year business tax of {XXXX}, which was passed on to me by Chase for payment. When I went to XXXX XXXX to record the title, I was told that Chase needed to contact XXXX XXXX for an adjustment, and I would receive a personal property tax bill for the year after XX/XX/XXXX ( not XX/XX/XXXX, the day they cashed my check ). I contacted Chase they agreed. Then Chase reneged on this agreement and said I had to pay the full {XXXX}, and if XXXX XXXX sent them a refund, they would pass it on to me. I am at an impasse as this is totally unacceptable. Given the time and lies that I have gotten from Chase, I have no faith that if I pay the {XXXX} that I will get the refund due to me. Further, it is because Chase failed to send the title in a reasonable amount of time that I am in this predicament.
Consumer complaint received 2024-03-09
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 Reporting act 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 a account without my written instructions
Consumer complaint received 2022-10-25
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. (NC)

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1000.00}.