davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (TX)

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-08
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX****Balance Owed : {$5.00} XXXX  XXXX XXXX Owed : {$5600.00} XXXX  XXXX Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX****Balance Owed : {$5.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXX Owed : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00}
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am XXXX XXXX I have been with Capital One for about 4-5 years and my account is being held because I was approved for a loan and as a customer I should have access to my funds and the daughter account is now being held as well. What I do not understand if the government ask for these type of documents you provide it to them and the money was disbursed in your account why is or should I say the bank feel the need to hold someone funds if they were approved for them. So the bank has the right to hold funds because of what and why and how please explain that to me. If your supporting documents were approved from SBA why do the bank feel the need to hold your funds it is not right. They are asking for all these documents like they are the government.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (KS)

I contested the validity of the accidents and information that XXXX XXXX  reported. Had they researched the information the information they list would show it was not me. I have not had a louisiana drivers license for almost 10 years. It was suposed to be fixed and i went to buy insurance which is now double the price due to the false information on the lexus nexis report.
Consumer complaint received 2024-03-08
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. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (TX)

My complaint is against Chase Bank and the XXXX XXXX system. On XX/XX/2022 I attempted to wire a business partner online using the Chase Business Checking online system to initiate a wire transfer for {XXXX}. 

The wire was rejected stating invalid name on account. This is not correct. I verified all information, routing and accounting number, name on account ( my business partner is the sole signer on the account ) and address was all correct and verified as valid. There is absolutely no reason why this transaction should not have gone through. 

The money was returned to my account less {XXXX}. Chase bank refuses to refund me this money despite all information outbound to be true and correct. They stated that this is a XXXX  XXXX charge and they will not refund me the money. This is stealing money from small businesses.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (CA)

This Complaint is a Complaint about the CFPB! I CAN '' T believe you closed my Case! Is this what you are paid to do? Just give lip service to the consumer while these Corporate Banks wipe their feet on us? I Could very well Be XXXX  soon because Netspend Locked MY ACCOUNT FOR NO REASON! I can't even buy a {$.00} bottle of Dishsoap because Netspend has ALL MY MONEY LOCKED UP! And YOU listened to what their Rep had to say AND Closed the CASE! The lady at Netspend said that she called my phone # twice and I didn't answer and that I never called her back or responded to her email. I call XXXX.! I recieved XXXX calls from a Toll-Free number that I had never seen before but I answered the calls and there was NO ONE on the other end! I asked Hello XXXX  times before I hung up. There wasn't even breathing on the other end. When I recieved her email I called the toll free number and it went to Netspend 's phone system and then transfred me to XXXX XXXX ( I Think it was XXXX, started with a V, Have it on my phone still ), office and got her Voice Mail. She never called back. I called XXXX  times and left XXXX voice mails to call me. Never heard from Her. I left XXXX emails, Never got a reply. And then I get your email stating the case was closed on what she told you. XXXX.! Tells Me where the consumer stands! The Worst Part is I am still waiting on My XXXX ID it's been almost XXXX weeks and when I get it I am still hoping to do business with XXXXNetspend because they are my best option for a prepaid card. The XXXX XXXX Card that SSI uses is the MOST XXXX Debit Card Company out There. They might even be more crooked then our Politicians! Wait, It was the Politicians who Picked XXXX XXXX! Getting That legal XXXX money they call Political Donations. Thanks For almost NO Help CFPB! I Just go off and starve to death by myself!
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I received a copy of my credit report from XXXX XXXX dated XX/XX/2022 after I applied for a business credit card. The info posted by XXXX XXXX XXXX for account # XXXX IS INACCURATE AND NOT VALID. 

After multiple requests, XXXX XXXX XXXX has failed to provide documentation of any agreement between them and I, that gives them right to continue to bill me after I told them I no longer want their services. I never had a contract with XXXX XXXX XXXX and never signed up to be their customer. I was customer of XXXX XXXX and after my contract with them was up, I was on a month-to-month basis payment without contract. XXXX  XXXX was bought out by XXXX XXXX XXXX at some point and they increased their prices. I made contact with them and told them that I no longer want their services, as they increased the price from what I was previously paying and did not want to replace the defective equipment that was given to me by the previous company with a lifetime warranty replacement. XXXX XXXX XXXX is not owed any money, they continued billing me eventhough I told them I do not want their services, until I sent back their bill back with " RETURN TO SENDER - RECIPIENT NO LONGER AT THIS ADDRESS '' on the envelope.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Respected Officials, I scheduled a payment to my Bank of America credit card ending in XXXX for XXXX XXXX It wasnt completed and there is no trace of that payment in their website. 

I have again scheduled a payment for XXXX XXXX 

The payment scheduled on XX/XX/2021 was for XXXX XXXX  phone bill. I had reported a problem to FCC about XXXX XXXX 

FCC Sun, XX/XX/XXXX, XXXX XXXX ( 1 day ago ) to me from : FCC <XXXX> reply-to : FCC <XXXX> to : XXXX XXXX XXXX : XX/XX/2021, XXXX XXXX  subject : Request received : Inconsistent cellular data policy marketing - Fwd : Slower data until XX/XX/XXXX mailed-by : fcc.gov signed-by : fcc.gov security : Standard encryption ( TLS ) Learn more Thanks XXXX XXXX
Consumer complaint received 2019-08-01
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. (NJ)

Didn't recieve enough information to verify debt : In XXXX, XXXX, XXXX and XXXX of 2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (TX)

Equifax is being negligent. I am a victim of Identity Theft and Equifax is still reporting the fraudulent information on my consumer file. Attached is my Identity Theft report and letter to Equifax. I tried uploading these documents to Equifax 's website and the website would not allow me to.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans union i have contacted this company several times, through phone and email and they say it's been fixed. I do not have any outstanding bill with this company and do not owe this debt. Please remove. {$160.00} XXXX XXXX XXXX XXXX XXXX. 
I have now written the XXXX concerning this as well as CFPB and notified the company via phone and written statement. This is unfair to collect a debt that isn't mine.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

Dear Consumer Financial Protection Bureau, This letter is to attempt to inform you what happen during my visit to XXXX XXXX dealership while I was getting my car serviced for an oil change. While waiting to get my car serviced, a sales person asked me was I getting help. I said to her that I'm getting an oil changed. But I also asked her about the cost of a newer vehicle? She asked me about my credit score and I told her then that I did not want my credit pulled. I also told the manger the same thing, he reassured me that it would be a soft pull. But I am just finding out after my bankruptcy and checking my credit report that they indeed pulled a hard copy of my report all on XX/XX/2021, to the following XXXX, XXXX, XXXX  XXXX, XXXX, and XXXX XXXX  to review a possible loan to get a vehicle. 

I want this list of hard inquires deleted from my report as soon as possible. I really appreciate your prompt attention to this matter. 
Sincerely, AHP Rushmore has reported that I was 180 days late with my mortgage payment. Which is not true. I was sent a leger from Rushmore to prove that I was not late with my payment during anytime of my bankruptcy from XXXX. I would like for Rushmore to remove the 180 days late. Thanks
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 my husband XXXX XXXX - who is also on my credit card account ending in XXXX - submitted a complaint to the CFPB because Chase Bank was harrassing us with phone calls trying to collect a debt which they believe is owed to them. 

The company, Chase Bank, responded to the complaint on XX/XX/2021 and their response closed the complaint. However, they lied twice in their response to the complaint. The first lie they made was when they stated they did not receive the letter sent certified mail to XXXX XXXX even though I have proof that the letter was received. The second lie they made was when they stated they sent a letter dated XX/XX/2021 advising me of a settlement offer. I never received this letter and when I sent a second certified letter to Chase Bank on XX/XX/2021, I received a reply from them re-stating the lie they made in my husband 's complaint - that they mailed a settlement offer to me on XX/XX/2021. I never received their letter. They also refused to mail me an updated settlement offer so they are continuing to refuse my offers to settle to debt and instead are choosing to hold my credit rating XXXX while they lie to me repeatedly by stating that I did not respond to their settlement offer.
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc. (KS)

I sent XXXX  from XXXX XXXX to Binance US on XXXX at XXXXXXXX XXXX The transfer successfully left XXXX XXXX but has yet to show in the Binance US account that I have. I have sent an email and received a support ticket and have yet to hear from Binance US. I have confirmed with XXXX XXXX that the funds left my account with them and confirmed that I used the correct address with Binance US. 

In reading through forums of complaints on similar issues it seems that Binance US is predatory in not assisting with issues of this matter, locking up customers funds indefinitely.
Consumer complaint received 2021-06-14
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I never applied for XXXX account ending in XXXX under my name and I never wrote checks and no funds was withdrawn at all and I put in a fraudulent dispute with XXXX and within days the claim was denied and I never lived at XXXX XXXX XXXX and I have my ID to prove that and someone stolen my identity and opened up checking account and I never applied for this fraudulent account and it was reported to Chexsystems under a different address in XXXX and I live at XXXX XXXX  XXXX XXXX since XXXX of XXXX and was in XXXX  for three years in the years of XXXX and XXXX and I would like this case to reopen
Consumer complaint received 2021-04-15
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: Meade & Associates, Inc. (OH)

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, XXXX XXXX XXXX # XXXX, MEADE & ASSC
Consumer complaint received 2021-08-23
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. (IL)

Dont understand how this Account XXXX XXXX appeared on my credit report as a charge off when the account isnt mine. No proof according the FCRA was sent to me for verification. 
I disputed and they took no action