davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I responded to a phishing email thinking it was from my bank, which gave away my debit card information, PIN number, and identifying email. Over the next 2 weeks the person stole about {$7000.00} from my checking account via numerous purchases using my card information, and a single {$2500.00} withdrawal. When I realized what happened on XX/XX/XXXX, I called Wells Fargo and had my account closed and card canceled. Over the next 4 months I made numerous phone calls to Wells Fargo as well as visited a local branch 3 times in an attempt to get my money back and point out the roughly 200 fraudulent charges. I got the {$2500.00} withdrawal back, as well as a few small charges, but am still missing about {$4000.00}. Every time I called I would go transaction by transaction indicating they were fraud, and the person would input them all into the claim, but when I would check on the claims every time they were adjusted to only include one or two of the transactions, claiming {$100.00} fraud instead of {$4500.00}. One claim got rejected because they said that because the person had my PIN number I must have authorized it, but I had explained that my PIN was entered into the phishing email. The bank kept making it harder and harder for me to place claims, including blocking me from accessing my old statements after closing my accounts and opening new ones, and refusing to send me proof of my claims after I placed them. They also wouldnt ever help me in person at a branch because they said all fraud claims must be done over the phone.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (WA)

I'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX XXXX XXXX XXXX XXXX   and Diversified Consultants, Inc. XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of XXXX XXXX Contract and Billing ; not providing me with a written wet contract when asked ; unauthorized use and fraud of my digital signature ; providing only a Ipad contract which I don't own a XXXX, and Double Billing Fraud. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the four time I've asked CFBP for information of reported debt filled by XXXX, and they wouldn't respond ether to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from their other collection agents, that looks like junk mail in my junk mail this one is for addressing is from Diversified Consultants , Inc. XXXX saying XXXX has filled a Debt Claim. If XXXX doesn't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service contract process. XXXX is using double billing and triple collection agency business practices buy using three separate collection agency which is against Federal and State laws. 

I'm asking XXXX and Diversified Consultants, Inc. XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX XXXX ) example. The Agents names, titles, contact information of XXXX Executive & Regulatory Services department or the department responsible for overseeing debt collection and all legal contract matters.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The basic issue is that I am unable to log into service.transunion.com the free service that allows you to have a basic look at your credit report. When I log in I see an error stating " We are temporarily unable to complete your request.Looks like we are experiencing a problem on our end. '' I have mailed my personal information ( SSN, Driver license, pay stub etc. ) twice now under the direction of customer support staff to two different Transunion department in hopes of fixing the issue of being unable to log in. Multiple times the only thing that has happened is that I have been sent a mail containing my credit report with multiple wrong information. When I have followed the links to try and fix these issues it has directed me to the service.transunion.com site which I am unable to log into. This is now my second complaint to the cfpb whereas the first one was marked as solved and when I replied with the issue has not been solved there is no follow up.
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (TX)

I received a text message ( XX/XX/23 ) that read : Welcome to Unifin! Call us about account # XXXX  at XXXX or at https : //unif.in/act Msg & Data Rates may apply . Reply HELP for help. Reply STOP to stop. 

I have no unpaid debts and have credit monitoring which shows no collections on any accounts associated with me. The accounts with balances that I have are on auto-pay and I just checked to ensure that they still are- they are. So I believe this is a scam or an attempt at harassment. I have also not received any letters through the US mail about debt. I did not reply to the text.
Consumer complaint received 2017-09-19
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: Experian Information Solutions Inc. (NY)

My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on XXXX report and Experian report. 
Experian has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now Experian send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.
Consumer complaint received 2020-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I sent out letters of validation and deletion letters to Bank of America to make them validate a debt that they say that I owe. Never received a response back or any validation that the debt belongs to me. According to the Fair Debt Collection Practice Act, when I send out a letter of validation, the company has 30 days to respond with the correct validation or else it must be deleted from my credit report. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accordance with the Fair Credit Reporting Act XXXX AccountXXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-17
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. (GA)

I recently learned that XXXX XXXX Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted XXXX XXXX Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal credit report.
Consumer complaint received 2019-11-17
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. (FL)

On XX/XX/XXXX I was informed that my XXXX credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX, I upgraded my American Express Delta Platinum card to a Delta Reserve card due to a limited time offer advertised for XXXX bonus miles when you spend {$5000.00} in the first 3 months on the new card. I upgraded due to this offer as I did not think it was worth upgrading to a card with a {$550.00} annual fee without the extra miles offer. 

Upon reaching the {$5000.00} threshold, I was not given the XXXX miles, but instead XXXX on XX/XX/XXXX. I reached out to Amex customer support through their online chat and the rep submitted a ticket. I provided a screenshot showing the screen on their website showing the page where the limited time offer was available ( the same page where you select your new card design ). 

After lack of follow up on my case I reached out multiple times, and a chat rep eventually told me that the welcome offer was declined as there was no such offer running for card upgrades, only new applications. The rep opened a second case, as apparently the screenshot was never attached originally and said I would receive follow up on this issue. 

After reaching out to chat and eventually XXXX support, I was told that after months of attempting to resolve this, I would not be receiving my XXXX offer as they could not confirm it was solicited to me even though I provided screenshots of their own website. The reps provided no additional support after this. 

After speaking with a XXXX rep from XX/XX/XXXX through XX/XX/XXXX, providing a screenshot that includes website and timestamp data on both my ticket on the website and directly through XXXX, American Express did not honor the limited time offer despite the evidence given to them and my attempts to work with them over the course of months.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Disputed account XX/XX/year> Requested evidence of account XX/XX/year> Dispute erroneously rejected XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

this account was charged off more than 180 days ago in accordance to the federal law if something was charged off more than 180 days it is illegal for the original debtor to sell that to a third party collection office and they have received a tax credit and it is illegal to double dip i am insisting that this be removed off my credit within the next thirty days.
Consumer complaint received 2020-01-31
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: ALLY FINANCIAL INC. (CA)

On XX/XX/19 i became aware that a loan was open at Ally Financial bank. I called Ally Bank to resolve it due it it being fraud for the amount of XXXX i told them on XX/XX/19 that i did not have a valid contract with them and i have never purchased any type of vehicle with them. I told them that i would contact the police if they didn't remove this fraudulent account that was not done by me. I have never given them authorization to us my credit report to purchase any type of loan.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account 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
Consumer complaint received 2022-06-14
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-25
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: Experian Information Solutions Inc. (NY)

I was XXXX  for XXXX years. I was released XX/XX/XXXX from XXXX XXXXXXXX XXXX. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date OpenedXXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ). XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC. XXXX Date Opened- XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WI)

I have been given a final bill credit from XXXX XXXX XXXX for {$75.00} via prepaid debit card. I have received bills from 3 different collectors trying to falsely collect this money after I reported it to the credit bureau and they investigated and removed it from my credit report. I still have the credit letter from XXXX XXXX XXXX for reference.
Consumer complaint received 2018-04-11
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. (TX)

Our payment forXX/XX/XXXX was not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXandXX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXXwas paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXXand it was paid on XX/XX/XXXX( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXXand late for XX/XX/XXXXfor our XXXX XXXX   account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan sinceXX/XX/XXXX
Consumer complaint received 2018-08-02
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. (NC)

On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( Transunion, XXXX, XXXX ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.
Consumer complaint received 2022-10-20
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. (AZ)

I am unable to communicate to experian, XXXX, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.
Consumer complaint received 2022-10-20
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX, XXXX. XXXX 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2018-08-02
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. (NC)

On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, XXXX, Equifax ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.