davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX I requested a " {$1.00} '' credit report from TransUnion. For the following 44 months, I was subscribed to a recurring, monthly {$17.00} subscription to a credit monitoring service I didn't want, was unaware of, and never used. 

My understanding is that the CFPB issued a case against TransUnion in XXXX, detailed in File No. XXXX, for restitution of consumers like me. Unfortunately I never received any information about this -- until today ( XX/XX/XXXX ). It seems that the practice of automatic subscription I was subjected to was deemed unfair and punishable. Unfortunately I was not contacted about restitution, perhaps because I moved twice during this time period. 

I contacted TransUnion today ( XX/XX/XXXX ) and requested that they refund me ; they agreed to a 5 month refund. I think it is fair to somehow claim the other 39 months, and would appreciate any help in doing so.
Consumer complaint received 2022-12-14
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)

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF THE WEST (CA)

I opened a Bank of the the West account. The account came with a promotion. The promotion was get {$100.00} for setting up a qualifying direct deposit. I have received that promotion. The other promotion was, " get {$50.00} for making XXXX debit card purchases each month for 2 months. '' I have met the terms for the {$50.00} promotion and have not received the promotion that I am entitled to. I want the {$50.00} that I am entitled to that Bank of the West has not given me.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY (WI)

American Express presented fraudulent advertising on the web. I contacted them about this and recorded the call. I have the recording, it is an MP3 file. I disputed with them for months over this to no avail.

There was no membership fee listed when I signed up for their card, AE checked on it ( during our phone conversation because4 they would not help me online ) when I spoke to customer service and they said since it was not listed in their advertising, I would not have the fee the first year.

So, I agreed to keep the card if they would do as they said and remove the first year annual fee of {$95.00}. They never removed it like they said, so I paid off my charges on the card ( MINUS the {$95.00} annual fee they said they'd remove ) and closed the account. 

I have the recording that they ADMITTED the ad I responded to did NOT disclose the annual fee of {$95.00}. NOW, they have tacked late fees bringing it over {$200.00} and is ruining my credit!
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

on dates see attaments the bank claims that in XXXX they deposited money in to my accounr which clearly on statment see attachments their was nothing put in to account yet in XXXX see attached statement, was taken out of account when i contacted the bank they said it was an international deposit made with my account number. in which i have never had nor done any transactions of the sort.. and end result they took money out of my account which was never put in to my account in the first place. then took my ssi and ssdi checks for 2 months to cover all the over draft and other charges they applied. caused my rent checks to bounce and almost was evicted. and then they closed my account and would not help me..
Consumer complaint received 2023-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (AR)

Two weeks ago, I attempted to access my account through the upgrade.com website, as this is the only way to make payments. I was denied access because my phone number had changed and now no longer matched what they had in their system. It did not matter that I answered every single question they hadthey were adamant that I could not gain access. I asked them to change my number to my new number. I emailed everything they asked for but instead of changing my phone number, instead I would get another email wherein they would add another requirement. Ten ( 12? ) emails later, I STILL can not gain access. I can not make my payments because no access. They do NOT send me bills. They only way to see my payment owed is to access the account. I have proof of every requirement and my response.
Consumer complaint received 2020-12-22
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. (TX)

I have been sending letters to all Equifax, XXXX, and XXXX to validate a XXXX XXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

According to the law 15 u.s. code 1681i- procedure in case of disputed accuracy. 
If the completeness or accuracy of any of information contained in a consumers File at a consumer reporting agency is disputed by the consumer and the con notices the agency directly, or indirectly through a reseller, of such dispute, the Agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller Account # XXXX Equifax, XXXX XXXX, XXXX
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In XX/XX/2023, XXXX  XXXX had a security breach and my information was part of that breach. I signed up for XXXX immediately after, so XX/XX/2023. Today, XX/XX/2023, I received an email from Capital One approving me for a Venture Rewards card with {$10000.00} limit. I did not apply for this card. I called Capital One and reported it as fraud the person who applied for the card used my name, phone number, email, and address ( all leaked from XXXX XXXX ) so the person at Capital One asked me if I was sure I did not apply for this card or someone who is authorized to act on my behalf did not apply for this card. I can confirm I did not apply for this card. Also, the home phone number of the card is not my number, I assume it's the fraudsters.
Consumer complaint received 2019-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RS Clark and Associates, Inc. (GA)

I have sent numerous requests to a company called R.S. Clark and Associates that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from XXXX, XXXX and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Experian is reporting an account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over XXXX  days. Experian is also reporting a account name XXXXl XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them XXXX  days ago.
Consumer complaint received 2023-01-03
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. (NV)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX AV XXXX, AZ XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

I have a custodial account and a personal account at discover. When I turned XXXX, Discover froze my custodial account pending my completion of forms to transfer that custodial account to being a personal account owned solely by me. This freeze prevented me from logging in to their online banking portal, also preventing me from accessing my personal account with which there was no issue. I called Discover customer support several times in XX/XX/2020, after which they claimed that they had mistakenly blocked access to my personal account and allowed me access to that account again. Recently, I have had my access to the personal account blocked again. Today ( XX/XX/2020 ) I called Discover again to ask for access to my personal account. I was told that, per Discover policy, I can not be allowed to access my personal account until the custodial account issue is resolved. This is not consistent with what I had been told previously, and regardless seems to me to be Discover preventing my access to an account with which there is no issue.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I have fallen behind in payments due to a loss of job and health issues. I contacted my mortgage company for assistance and was told that a modification would not work for me because I have a lower interest and modifying would only give me a higher mortgage payment. At this point I called Hud to apply for an attorney to get legal help yo file bankruptcy. During the call with the HUD counselor he advised that my mortgage company had other options to provide me with and that they can assist in other ways so that my monthly payment doesnt have to increase. The counselor calls XXXX with me on the phone and now this representative is saying something totally different. I was told to get a modification In as soon as possible. I sent the modification In and never heard back from anyone. I finally called XXXX weeks later for the status and was told I needed XXXX documents. I sent them in that day agai. XXXX weeks went by and I called to check the status and was told they closed my case because I failed to send in documents, but I have the emails and the date they were sent. So now the reason changes and they said we got them but one didnt have a signature. When I asked why I didnt get a call or letter I was told they called and couldnt leave a message due to my voicemail being full. That was a complete lie, I asked what a letter and they said they sent a letter out on the XXXX of XXXX letting me know my case was closed. They had XXXX weeks to contact me by phone or mail and their excuse was I should of followed up with them. I need to have things in writing when it comes to dealing with this company. Every representative within this company has given conflicting information to me, their is no consistency. They talk down to you they are rude and lack compassion. I literally get anxiety when I have to call. Well needless to say Im told my case is closed and I have a to start a whole new modification. This company puts on a great act but do nothing to help or reach out to you. They told my HuD counselor they would email him with info on who my investor was that never came. They still havent told me if my loan was FHA or not, I asked for info as to why my mortgage was increasing XXXX rep said it was my escrow another rep said it was my variable interest but I have yet to receive accurate answers. I have been told by the last rep that the company was selling XXXX as of XX/XX/XXXX, and that we would receive a letter, but during the last conversation with the manager advising me of the closed modification she stated that she knew nothing about XXXX selling the company and said her emails are full so its probably in there and she hasnt read it yet.. Her name was XXXX and I have this phone call recorded. This company is playing games with lives, lying, being unprofessional, pretending to help and lying about documents they received just to stop you from getting a modification and force you into foreclosure.
Consumer complaint received 2022-12-14
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)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX. Under the FCRA Section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

This address XXXX XXXX is listed on my credit report incorrectly four times. Ive contacted Experian to remove the addresses as they are reporting inaccurately and they have failed to remove them which is a violation of my consumer rights. Attached is a copy of the CORRECT address which shall not be included on my report as I have not lived there in the past two years and no accounts are associated with this address.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

Account XXXX XXXX Santander ( has been incorrectly reporting excessive amounts of repossession on my credit report. I have attached a screenshot showing three repossession on one vehicle when it should only be one for XX/XX/2023 2023
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I purchased rim and tire protection from XXXX, sold to me by XXXX XXXX infiniti XXXX XXXX nj. It was an unlimited coverage and claim policy for road hazard damage, excluding only curb and cosmetic damage. Over the past two years of my lease, I have experienced several flats and struggled to utilize the policy I paid XXXX for at lease signing. XXXX has employed two individuals XXXX the name XXXX and XXXX, who have consistently attempted to deny my coverage due to frequent claims, as well as they were untruthful about communications on recorded lines with the shop that I was also present for to deny the coverage under my policy. After the last attempt to utilize the policy I paid for, I received notice in the mail, they have terminated my prepaid unlimited claim policy. This company needs to be stopped and I plan to sue for their breach of contract.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery associates XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1500.00} XXXX XXXX. {$770.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy.

15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.
Consumer complaint received 2020-12-22
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. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 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 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 2023-03-18
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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