davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (HI)

I am writing to you with a matter of extreme urgency regarding fraudulent items that have appeared on my accounts with your company. It is imperative that immediate action be taken to rectify this situation, as the presence of these unauthorized charges poses a severe threat to my financial security and well-being. 

The consequences of these fraudulent activities are dire and extend far beyond financial losses. They have compromised my trust in your company 's ability to safeguard my personal information and protect against fraudulent transactions. Additionally, the prolonged presence of these unauthorized charges is disrupting my ability to manage my finances effectively and is eroding my confidence in your company 's commitment to customer satisfaction. 

Given the gravity of this situation, I am urgently requesting the following actions be taken : Immediate removal of all fraudulent items and unauthorized charges from my accounts.

Thorough investigation into the origin and nature of these fraudulent transactions to prevent recurrence and identify potential security vulnerabilities.

Provision of compensation for any financial losses incurred as a result of these fraudulent activities, including reimbursement for fees and penalties.

Assurance that robust security measures will be implemented to safeguard my accounts and prevent future incidents of fraud. 
Regular updates on the progress of the investigation and resolution of this matter until it is satisfactorily resolved. 
I can not overstate the urgency of this request. Every moment that these fraudulent items remain on my accounts increases the risk of further financial harm and undermines my trust in your company. Therefore, I implore you to prioritize this matter and take immediate action to address it. I am asking for your assisstance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} 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/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Nissan Motor Acceptance Corporation / XXXX XXXX has for the second time fraudulently reported a 30 day or more late payment on my credit reports for XX/XX/2019. this issue was filed on the CFPB and the credit agencies last month and Nissan has falsely claimed in response to CFPB and to myself that they had made a mistake and that it will be fixed accordingly. I found out recently that they have reported the same false reporting intentionally damaging my credit and costing me much money and my job. 

Again : XXXX was 28 days, and the payment I made on XX/XX/XXXX is XXXX calendar days from the due date and NOT 30 DAYS. 

XXXX XXXX XXXX XXXX have a few bad apples in their credit department and they are seeking personal vendettas against many customers, I'm one of those customers. If Nissan fraudulently lies to the CFPB and myself again about acknowledging and fixing this issue and yet playing it under the table to keep on submitting wrongful information they will be sued for damages and reported to the main stream media.
Consumer complaint received 2022-03-09
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. (CA)

In XX/XX/2022 I filed a complaint with Equifax, XXXX, XXXX and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX BAL : {$150.00} charged off listed 2. ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} 3.. ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2022 I filed a complaint with XXXX, TransUnion, XXXX and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : 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 XXXXXXXX This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX  BAL : {$150.00} charged off listed 2. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX BAL {$0.00} 3.. ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}
Consumer complaint received 2019-01-08
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 (TX)

For the past several months Capital One has billed my account for a XXXX subscription that I did not open or authorize. Even though I have repeatedly called, nothing was done to stop the charges. Finally, in XX/XX/XXXX, a merchant block was put on my account and I was " guaranteed '' no more charges from XXXX would be allowed. Each month I've had to call and cancel my card, get a new card and activate a new account. Now in XX/XX/XXXX I see that on XX/XX/XXXX, another charge from XXXX was allowed on my account. A supervisor from Capital One, XXXX # XXXX, stated that Mastercard is pushing the charge thru my account even though there is a merchant block on it. I feel that Capital One should contact Mastercard on behalf of their customers and let them know not to push through a charge that has repeatedly been disputed. It is a hassle to sit on the phone for several minutes ; this particular call I am currently on is at 36 minutes and still going. At this point, we are currently on a call with XXXX on a very long hold for a supervisor because XXXX can not even find an account related to my credit card number or past numbers. While XXXX and I waited and waited on hold with XXXX for a supervisor, when the rep told us he would transfer us, he actually disconnected us instead. There should be better protection for credit card customers than to have this type of hassle. I am closing my account to ensure no further charges since we could not resolve this issue with XXXX. XXXX did say at my request that she would forward this issue to Mastercard in hopes that customers receive better customer service.
Consumer complaint received 2022-03-09
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (OK)

I take Cavalry Spv I , LLC to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies XXXX XXXX XXXX debt collectors and that company sold was form XXXX the amount own XXXX
Consumer complaint received 2019-01-08
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: TD BANK US HOLDING COMPANY (MO)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TDbank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  credit report XX/XX/2018. A formal dispute of this inquiry was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has not replied to that dispute with the outcome of their investigation. A reply is required under the FCRA and the data of that inquiry is to be removed once it is known to be fraudulent related activity.
Consumer complaint received 2018-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I made a payment using the capital one credit card app and didnt realize i didnt have the correct amount of funds in my bank account. It was then subsequently late. When making the late payment that was due, i encontered an error measage in my app when i set up my payment and went to slide to pay. I didnt get a confirmation of payment so i went ahead and restarted the process and it went threw. When i woke up the next day to check my account i noticed that both payments went threw and bounced because i only had the money for one payment. They closed my account and made put a serious dent on my credit!
Consumer complaint received 2022-03-09
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. (OH)

I sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use 3rd party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.
Consumer complaint received 2022-03-09
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. (OH)

I sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use 3rd party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

On XX/XX/2018, I received a response from CFBP complainant # XXXX. The response was a compromise from US Bank lowering the original quote of 1 % of the original loan amount to 0.25 % of the current loan amount as a fee/penalty for removing the escrow account and allowing us to pay our taxes and insurance ourselves ( see below attachment ). The response advised that we needed to send a written request to a specific entity with US Bank. We sent an email and a certified letter to the location that the specified. In this letter, we asked if the fee included clerical fees to amend the mortgage agreement that they purchased from XXXX XXXX in order to avoid paying the fee again should US Bank immediately turnaround and sell our mortgage. I received notice that US Bank received my email on XX/XX/2018 and I also received notice that US Bank received notice of our letter on XX/XX/2018. To date, I have sent additional emails with no response. I have called US Bank customer service as well as the number that they placed on the response to my last CFBP complainant. I have been transferred to voicemail and have left numerous voice messages. The automated message on the US Bank voice message advised that a return call would be placed within one business days. I can not get a response out of US Bank and at this point I feel as if they are refusing to reply. I know they have our contact information, as they are punctual on sending out monthly mortgage payment request. We are a month ahead on the mortgage and I have an excellent credit score. We are simply trying to eliminate our escrow account, as they are charging an additional XXXX dollars a month as a " cushion '', then taking their sweet time to refund us the money at the beginning of the next year. We need this money for day to day expenses. Why should S Bank us my money for investment or gain interest on my money all under the guise that they hold the money as a cushion for set yearly Taxes and Insurance?

CFBP as successfully reduced US Banks willingness to charge me fee from 1 % to 0.25 %. Thank you. Could you please determine why US Bank is now refusing to respond to my request to remove the escrow account ( as brokered by one of their agents ). I have attached the last two correspondence, since the original CFBP complaint was filed. We are frustrated that we have to file a complaint with you in order to get US Bank to even acknowledge us.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

There is another account listed with this debt collection agency that came under my credit today that cost me another XXXX points. I do not owe this bill this is not my account I never had XXXX. Is has no account number listed. 
SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/2021 {$630.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX Report info
Consumer complaint received 2018-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I received a letter stating that I owe {$1800.00} from my business and I left multiple messages to ask what this amount is in regards to and I do not know what company that is being owed to. I even email the given contact information, no response in communication and can't get hold of a live a person. Only gives the option to pay. I received a second letter that if I do not pay by XX/XX/2018, further action by their office will take place. The collector claims on their letter that they try to reach me multiple of times, which is untrue since I am unable to speak to someone live, no party have emailed me back or return my messages.

I have not received any proof of statements what I owe and just a letter stating that I owe {$1800.00}.

Also, the business that I owned of which the debt collector is claiming Closed. I closed the business and no longer in business.
Consumer complaint received 2018-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I have been receiving emails that payments have not been submitted then getting late fees and charged again and again. My bank statements show the money is being submitted to AES however they keep calling my parent 's house and harassing them and I keep paying more but the emails and calls dont stop. I have screen shots of the latest transactions ( email and my bank statements showing in making multiple payments ) I feel like I am being taken advantage of and I do not like these creditors calling my parents home phone ( I have not lived there for 9 years ) as they are old and this causes unwarranted stress which could lead to health conditions and their untimely death.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NC)

I did not receive a refund from Sears that I bought in XX/XX/XXXX and returned on XX/XX/2018. When I called them on XX/XX/XXXX after I found out they didn't credit my refund on my sears credit card. They said they will refund to me in 5 to 7 days. Today is XX/XX/XXXX and they still did not refund to me. The company now refuse to refund to me due to the time that is passed over 30 days which was not my fault. I am attaching the copies of letters and receipt.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (WA)

Around XXXX XXXX, XX/XX/XXXX, I tried to apply for a credit card to XXXX XXXX  but I got denied and they sent me a letter stating that the reason for the denial is I have delinquent payments.I then checked online for my Credit report history and found out that someone opened a fraudulent accounts under my name.I tried to dispute it yesterday XXXX XXXX XXXX XXXX I called Experian to ask them about the problem and the costumer service told me to report the problem to you guys.the amount of the outstanding balance from the fraudulent accounts are more or less {$40000.00} between the 2 accounts.
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

IQ Data International added an account onto my major three credit reports on XX/XX/2021 The account is originated from XXXX XXXX XXXX. 
I have received no correspondence from the company. 
I have consistently disputed this account as the account is not mine and I have never been associated with any such account I have filed several ID theft reports and submitted them to the credit reporting agencies in hopes of having this account deleted I have attempted to negotiate a settlement for the account with the agency to no avail just so that it does effect my or my husbands credibility in his line of work. 
The do not respond to emails or faxes. 

As a XXXX citizen and a military spouse, I just want this account removed.
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX {$1000.00} XXXX XXXX {$2600.00}
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It makes me wonder why does the Credit Bureaus were unable to remove he disputed items from my Credit report despite the multiple letters and complaint I have been submitting to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information and FTC 's ID THEFT REPORT I received. But despite all these, the Credit Bureaus have failed to comply with the FCRA section 605b which I highlighted on my letters. How many times do I have to inform and remind the Credit Bureaus of their obligation to comply with the FCRA section 605b? I already grew tired to disputing my Credit in a polite manner which leaves no choice but to be aggressive. I have been informing my Legal counsel about my situation and they offered to help me by taking legal action and sue the Credit Bureaus due their negligence. I am submitting this complaint to inform the Credit Bureaus of my intentions and if they still choose to not comply with the FCRA statute, my legal counsel is willing to file a lawsuit. I need the following items removed completely from my Credit File! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Owed : {$10000.00} XXXX XXXX XXXX XXXX Owed : {$730.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX