davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
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. (CA)

i tried sending my personal Information to XX/XX/XXXX as i have been a victim of identity theft and fraud and submitted my complaint thru the CFPB and they still generated a automated email stated that i did not submit this complaint and i didn't have sufficient information to delete these fraudulent accounts. Please see attached documents to support my request AS I XXXX XXXX am submitting this request to have these accounts blocked. further more here 's the law The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) requires you to provide identity theft victims or law enforcement at the victims request with a copy of records relating to the theft. Following a written request from an identity theft victim, you must provide the records within 4 days after the date of receipt of a request from ta victim, free of charge and without a subpoena. This is sometimes called the business records turnover provision. 


I certify Under penalty of perjury that the foregoing statements made by me are true and correct and contain no misrepresentations of facts
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, 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 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, 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 2020-02-01
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: U.S. BANCORP (CA)

XXXX XXXX XXXX has provided an email dated XX/XX/2020. In this email XXXX XXXX   XXXX has agreed to refund my account for {$3200.00}. This was sent into Fidelity Credit CardXXXXElan Financial. The representative closed the case and the merchant is now not crediting the card back. Fidelity advised me that the credit would be done. In addition, Fidelity had permission to record calls for quality purposes not as a agreement from me as California requires two party consent to record any calls. This was not granted. I have been clear that I didn't ask for the problem to closed out rather that I be credited what the merchant agreed.

Fidelity has violated the state law and based on your response I will submit it to the attorney General of California as it is my right to not permit recordings of my calls. The recording said for improvement purposes.
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I am writing to express my concern with a letter from Wells Fargo Home Mortgage and subsequent phone call today with an Wells Fargo Home Mortgage agent ( XXXX ) regarding the possible removal of PMI on my mortgage account. In early XX/XX/2018, I inquired about the ways to remove PMI from my monthly payment. I was given 2 options over the phone and similar option when reviewing online. A few weeks later, I got a letter dated XX/XX/2018. In this letter I was given a third option for a Broker Price Opinion ( BPO ) that would satisfy the PMI removal request as long as the home value came in high enough. The letter I received simply states that the process involves measurements and photos of the property to assist with current market information to provide a new estimate for the home. When I called Wells Fargo today ( XX/XX/2018 ), I asked for clarity on this option. At that point, XXXX indicated that a structural upgrade would be required and must have been completed before the BPO assessment. Had I not called today, I would have simply followed the  instruction on this letter and had been out the non-refundable {$200.00} that was the last condition indicated in the letter. I feel this is unbelievably deceptive. A reasonable person should not have to call to double check on something like this, when the disclosures appear to be clear in the letter provided by a financial institution. How many other people are sending in their money for no reason?
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

FILED ON XX/XX/XXXX STILL NOT GOT IT BACK XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act US BKPT CT WI 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 2022-10-21
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. (TX)

XXXX Student Loans have been discharged by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of discharged loans, and be able to update credit files expeditiously. I have submitted all 3 bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX CREDIT REPORT XXXX XXXX, XXXX AND EXPERIAN. Before I had this to my currently lawsuit against 2 of you all.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I got this credit card about a year ago, and was not educated on credit. I called Bank of America to see if we could work something out but they have just increased how much I owe & shut the card down. Im a student and I cant afford this honestly, and its just tanking my credit. I didnt even know that it was happening until I downloaded XXXX XXXX and it showed on there that my credit was so bad. I owe {$680.00} on it and I dont even think I spent {$500.00}. Its just been interest racking up. I hope you can help!
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To : Consumer Financial Protection Bureau, Re : Wire Transfer recall with Capital One Reference number XXXX Transaction number XXXX This is XXXX XXXX ; I purchased a custom diamonds AP Two-tone bracelet for XXXX XXXX trade for dial from XXXX on XX/XX/2023. I am a XXXX XXXX XXXX member with an account of TOTAL CHECKING ending ( ... XXXX ). I sent the wire transfer of {$8000.00} to the recipient 's Bank, Capital One, with account number ending ( ... XXXX ). On XX/XX/XXXX, I was advised by the recipient that it was no longer a Capital One Bank member ; therefore, I called XXXX, and I was informed by customer service to recall the Wire transfer. It has been about 15 days already ; I am still waiting to receive the funds back. The recipient has called XXXX various times and was told there was no deposited wire transfer for {$8000.00} on XX/XX/2023. I called XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, and the only update I received was on XX/XX/XXXX when Capital one inquired with XXXX if the diamonds were polished or rough. On the same day, I informed XXXX that the diamonds were polished and sent that information to Capital One ; since then, we have not had an update regarding the wire recall. On XX/XX/XXXX, The recipient and I did a three-way call with the Capital One Wire transfer department to inquire about the status of the funds, and we were informed that Capital One does not have the funds. The recipient and I mutually agreed that the funds to be recalled to my account ending with XXXX. 

Please feel free to request any additional information. Please, address at your earliest convenience. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-06-15
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. (AR)

in accordance with the Fair Credit Reporting act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

This is concerning a crypto currency transaction. I sent XXXX BNB from my XXXX XXXX to my Binance.US wallet on XX/XX/2021. I forgot to include the tag/memo ( XXXX ) so the XXXX was never credited to my wallet. I have submitted multiple support tickets with no response. On the Binance.US site it states that if I submit a support ticket that they can fix the missing tag/memo error and credit the XXXX to my digital wallet but they have not done so nor have they replied to any of my requests to do so. The value of missing the XXXX is currently over {$1200.00}.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION (AR)

I tried to fix a issue with BBVA Compass Bank ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through XXXX and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX and BBVA COMPASS entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX my wife, XXXX, and I purchased {$65.00} worth of merchandise at Kohl 's located in XXXX XXXX, Florida. My wife 's Kohl 's card expired in XXXX. The cashier said it was still OK to use and updated our current address and contact information as we were checking out. On XX/XX/XXXX, I learned via a credit monitoring service that Kohl 's processed a delinquent account with the credit reporting agencies. I immediately contacted Kohl 's and found that balance due statements were sent to our old XXXX XXXX   address. We moved from XXXX to XXXX in XXXX and the Kohl 's mail was returned to their address in XXXX. Within a hour we made a full payment to the nearest Kohl 's store. This was an error by the Kohl 's employee in XXXX for failure to update our mailing address. 

I successfully, after numerous attempts, persuaded Kohl 's to waive the majority of the finance fees. Our FICO score was reduced from approximately 800 to 709 due to this Kohl 's error. I formally requested them to reverse the overdue payment notification with the credit reporting agencies. They have refused to take the correction action.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.
Consumer complaint received 2022-07-21
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. (MD)

I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX.Called company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.
Consumer complaint received 2024-02-29
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. (TN)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2022-10-21
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. (NE)

I disputed an account which displayed its account status incorrectly, and against my wishes or knowledge Experian inserted this as " Your Statement '' **CONSUMER STATEMENT** XXXX ACCOUNT CLOSED BY CONSUMERS REQUEST. 

According to a document hosted on Experian 's own website, this payment status code indicates " Current account/Was 60 days past due date XXXX or more times '' Anyone wondering, including creditors, can easily find the same document on XXXX. 

This account was never paid late. The creditor, XXXX XXXX XXXX XXXX, to my knowledge never reported the account as late. Prior to my disputing the account on a related matter, Experian never showed the account as late during any of the reported periods. 

This account, which I am still trying to speak with a supervisor about, is currently reported wrong on the status as well for which there is a separate complaint.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding, LLC/XXXX XXXX reported to all three credit bureaus that {$1200.00} is owed. I am not aware of such debt being owed. The creditor failed to contact me prior to reporting such derogatory information to all three credit bureaus. As such, it failed to follow the guidelines of Fair Credit Reporting Act. Please delete the item from all three credit bureaus.
Consumer complaint received 2022-06-12
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. (WA)

I am a victim of identity theft. See Attached FTC Report, Utility bill, and form of identification and remove the following accounts per 605B of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (FL)

Bread XXXX XXXX, aka Comenity Bank refused to open a XXXX of XXXX for me. They refuse at all levels to provide a reason for denying my account request. I have wasted XXXX hours calling and messaging everyone from my Senator, The FDIC, the Office of the Comptroller of the Currency and I have been stonewalled or gaslighted at every turn. 
I wanted to open a CD for {$25000.00} and was told by a contractor for Bread XXXX  they they refuse to honor my request and every person in the company refuses to tell me why I am denied my right to banking services they provide and they are regulated by the FDIC who told me that they have no jurisdiction to provide any help to consumers in these matters. 
I contacted Bread XXXX on XX/XX/2022 in response to an advertisement for a high rate CD. They gave me a hard time so I called Comenity Bank who I have had a credit card acccount with for more than 10 years. They blew me off and rfused to help find out why I would be rejected so I contacted all Federal agencies involved in bank supervision. They gave me the eternal runaround and cut off my calls and closed my complaints arbitrarily.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 36 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-29
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. (PA)

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. Act Name : XXXX  XXXX XXXX, XXXX Number : XXXX, Act Name : XXXX XXXX XXXX XXXX Number : XXXX Act Name : XXXX XXXX XXXX, XXXX Number : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable XXXX Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX CO XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years