davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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. (FL)

TransUnion has refused to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts. I have request validation of the alleged debt without a response from the debt collector. I have provided docs showing that my request for validation was delivered to debt collector, accounts with adverse information currently been reporting by Transunion and Transunion dispute website page showing no option for online dispute for these accounts. I have contacted this company on XX/XX/2023 and XXXX 
-Account XXXX -Account XXXX -Account XXXX XXXX
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CA)

Back on XXXX, 2019, I sent to US Bank a request to fix this problem. There is a US Bank account # :XXXX that has incurred in fraud charges.I did not authorize or benefit from any of these fraudulent transactions made on my card. I tried to fix this with the company by sending letters with FTC attached but they did not do anything about it. My credit score is being affected because of this, Please help me to fix this.
Consumer complaint received 2024-03-06
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 am writing to lodge a formal complaint regarding the presence of fraudulent items in my credit file. It has come to my attention that there are items listed on your platform that are fraudulent in nature, posing a significant risk to your users and damaging the reputation of your platform. 

These fraudulent items are not only deceptive but also potentially harmful to unsuspecting buyers who may fall victim to scams or receive substandard or counterfeit products. Such activities not only violate the trust of your customers but also undermine the integrity of your platform.

I urge you to take immediate action to remove these fraudulent items from your platform and implement stricter measures to prevent similar occurrences in the future. This may include enhancing your verification processes for sellers, implementing stricter guidelines for listing products, and increasing monitoring and moderation of listings. 

Furthermore, I request transparency regarding the actions taken to address this issue and ensure that appropriate measures are in place to prevent the reoccurrence of such fraudulent activities. 

Failure to address this matter promptly and effectively could result in irreparable damage to your platform 's reputation and trustworthiness. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-08-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020, I requested an investigation of my credit report. I sent a certified return receipt request letter to Experian. I requested that they investigate the creditor XXXX XXXX and XX/XX/XXXX XXXX XXXX. 
I sent letters to these creditors before and got no response. I checked my credit report on Experian today, and these creditors are still reporting false information to Experian.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (CA)

Money Theft, Embezzlement, Fraud, and Written Contract violation by Wells Fargo & Co and XXXX XXXX XXXX XXXXXXXX XXXX XXXX and involved attorneys, refusing to refund overpayments received in excess of contract obligation amount and attempting to force signature on document releasing them from criminal activity liability with unreasonable deadline as condition of receiving refund of overpayments with interest charges requested due to years of nonpayment of money due, despite multiple requests for refund of overpayments.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/XXXX I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XX/XX/XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. XXXX XXXX XXXX  XXXX, was changed to XXXX XXXX. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify XXXX. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-03-15
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: JPMORGAN CHASE & CO. (TX)

I called Chase on XX/XX/XXXX to inquire about some bonus miles that were going to be deposited to my account that I wanted to use to book a flight. I was told by the Chase customer service representative they would be deposited after XXXX when the billing cycle closes, and she directed me to go ahead and book the flight, and then after XXXX I would be able to see the miles in my ( Chase ) account, and I could apply them as a statement credit to cover the cost of the flight. So, I booked the flight. The following day I logged into my Chase account to apply the miles, but I wasn't able to figure out how. I called Chase and the customer service representative informed me that was not an option at all. I was distraught. That rep directed me to call United to see what they could do. I called United and was told I should cancel the flight and submit a claim to be refunded. I did so, but the ticket I purchased was non-refundable and the claim was denied. I disputed this with Chase immediately because I wouldn't have made the purchase if a representative of their company hadn't directed me to do so. I am being charged for a flight I never took because I was given bad information. Chase denied the claim, and I asked them to re-open in XX/XX/XXXX and to review the call I made on XX/XX/XXXX, which would confirm what I was saying. In XXXX I spoke with a manager who told me they reviewed the call and wouldn't release that information to me. I've been through multiple cycles of having to write a letter to have this reviewed, and receiving no correspondence from Chase for months ( almost a year ), then the charges are back on my statement, and I have to start over. I would like the charge refunded so I can close the account.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc (TX)

The company contacted my current landlord to discuss the account with him. I moved into this house this month so I am not sure how this company even got his number but I feel like my privacy has been violated and compromised,
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. 

XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX states otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Please refer to the details and CFPB complaint number XXXX. 

Immediately upon resolution of my claim the bank closed my account on a Friday afternoon with no warning and mailed the balance of my accounts, which left me penniless over the weekend. To add insult to injury I am now attempting to apply for credit, and they also immediately cut off my access to online banking, so I cant even go in and search my account, history, print bank statements or anything. Ive reached out to Wells Fargo in an attempt to get access within the 90 day period that I am to be allowed access to my account after it was closed. No one has called me back. This is now a stranglehold over me financially when I need to get a loan for funds desperately. I cant qualify without my banking history and now Ive only had my new account less than six months. All of my rental history a lot of my history that was being used to improve my credit. All of this is in those Wells Fargo accounts. I was asked what statements did I need and I need all of them for the entire 3 1/2 year. That I banked with them. I also need to be able to search my XXXX  history and I need XXXX searches done. There is an exhaustive amount of information that I have been blocked from that. I had legal right to access and I have been trying to get this cleared for months. Please help me I cant qualify for a loan without this documentation. This type of retributive action should not be excepted. After months, they finally refunded my money from the prior claim but my punishment would be immediate closure of my account, and no access to my banking history records that is not lawful.
Consumer complaint received 2018-02-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (FL)

I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR  XXXX ext XXXX
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. 

XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX XXXX otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (AL)

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, 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 2022-12-14
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My billing statement shows ( 2 ) Transactions for {$1000.00} each on XX/XX/19 along with numerous fees however, on XX/XX/XXXX we were in XXXX ( my associate and I ), I have the flight times and numbers from XXXX so there would be no way we could make this purchase. I know I personally did not make either charge and I asked my associate who advised he did not make the charge either. When going online to Report a Problem it does not give this option for some reason. I have never had an issue with any of my accounts I honestly can not believe this has happened.