davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am writing this due to non-compliance with the XXXX Credit Reporting Agency, XXXX  Credit Reporting Agency, and TransUnion Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-12-04
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. (FL)

I have been paying my loan. XXXX XXXX XXXX XXXX applies the payments to a different account and reported me late to all three credit unions.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IA)

I have tried on multiple occasions to retrieve my Equifax credit report and scores both through the annual free credit report and directly through Equifax. I became aware of errors through XXXX monitoring service and have been trying correct them. 

On more than 7 occasions, I get errors on the Equifax website or I'm told my data input is wrong ( even though I'm 100 % positive it is correct ). On phone calls to Equifax, I've been on hold on 4 occasions for 35 minutes, 92 minutes, 67 minutes and 60 minutes respectively throughout the month of XX/XX/2018 but have not had contact with an agent. On 2 of those occasions, the line went dead after 35 minutes and 67 minutes.

Equifax presented an 'error ' message on the website stating I was required to submit any disputes via U.S. mail and would not allow access to retrieve, view or dispute credit report items. I was instead, offered a paid service if I wanted to view my report.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX has violated my rights. Or 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 2019-05-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX And XXXX XXXX ( XXXX  ) issued the check to me for the services performed by XXXX XXXX. However, this check with {$2000.00} was mailed without requiring my signature. It was stolen by someone I didn't know at all and got cashed out. 
I called XXXX, as soon as I found out. The customer service refused to do anything else, but asked me to file the " Affidavit of Check Fraud by Payee Forged Endorsement '' with Wells Fargo. Then I filed the form and got the notary public in late XXXX, XXXX, and mailed it to Wells Fargo. I called the Wells Fargo a few times, and finally got the Case # XXXX. I was told the Bank was negotiating, and I had to wait. I didn't hear anything back from the bank, until I called again on XX/XX/XXXX. The Bank told me they closed out the case on XX/XX/XXXX, and didn't provide me any result, but only asked me to call insurance to reissue the check. 
Between this time period, both XXXX  XXXX  and I called the insurance company a few times, and the customer service always provided some misleading information, saying I need to file that fraud case, while I already did. So they obviously delayed the process. Finally XXXX  had someone connected with the Bank, but was told the Bank closed the ticket without any solution, just because the Bank didn't get the response from the other bank. 
The check issue date was XX/XX/XXXX, and I filed the fraud form on XX/XX/XXXX.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I've contacted Equifax on numerous occasions to fix this problem but they keep insisting the information is accurate and have been verified by the collection agency. The 7 year drop off date differs from what is on my XXXX and XXXX credit reports. I believe they have re-aged these accounts for the sole purpose of prolonging the impact on my credit report. The accounts in question are : 1 ) XXXX XXXX XXXX XXXX, 2 ) XXXX XXXXXXXX XXXX XXXX, 3 ) XXXX XXXXXXXX XXXX 4 ) XXXX 5 ) XXXX XXXX
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$210.00}
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I was informed by Credit Acceptance of a late payment being 30 days late, now past 60. I payed off my loan last month. They neglected to tell me, that a payment was returned in XXXX of 2015, until now. They now reported it to the credit bureaus with out ever letting me know, or giving me a chance to fix it. I called them to clear it up, but they wo n't take it off my credit report, nor help me in anyway. I also never missed any other payment.
Consumer complaint received 2019-05-31
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)

On XX/XX/2019, I sent a letter and information via certified mail to Experian, XXXX, and XXXX. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that Portfolio Recovery never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked Experian, XXXX, and XXXX to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested Experian 's, XXXX XXXX, and XXXX XXXX  method of verification and it came back verified again. 

Experian, XXXX, and XXXX  failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because Experian, XXXX, and XXXX  all failed to comply with the FCRA 611  ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.
Consumer complaint received 2022-04-05
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: AMERICAN EXPRESS COMPANY (MO)

I purchased two XXXX XXXX tickets as well as travel insurance The tickets were purchased through American Express Travel The tickets were charged to my American Express card The travel insurance was purchased through American Express Travel Insurance The travel insurance was charged to my American Express card In XX/XX/XXXX I booked two round trip tickets from XXXX XXXX, California to XXXX, XXXX. 

Unknown to me at the time the borders of XXXX were not open to travelers from the United States and did not open until XX/XX/XXXX. Upon learning this I attempted to cancel the reservation. I was unable to actually speak to a human being at American Express Travel Services and, upon desperation, I attempted and succeeded in canceling the reservations on line. 

Since the time of the cancelation I have attempted to resolve a refund with each of the entities noted above. To date I have been completely unsuccessful. 

Getting XXXX resolution from any American Express entity, I tried to speak to representatives of XXXX directly only to be told " you must work through American Express, we can not talk to you ''. In frustration I contested the charge card charges in that I was sold two tickets which had no value. The dispute was dismissed by American Express immediately. 

As you will see from the attached documentation I have been receiving emails from American Express Travel since XX/XX/XXXX regarding the inability of American Express Travel to access the " portal site registration of XXXX XXXX ''. I have no idea what this means and I have confirmed with XXXX they have no idea what it means either.
Consumer complaint received 2020-05-06
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. (GA)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-05-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Wells Fargo. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well sent to Wells Fargo. I ; m again requesting all documents and, original check payments made by me from XXXX to XXXX as well as all original loan documents. As well as the actual lender of the VA home mortgage loan There are several discrepancy 's and deceptive mortgage practices and fraudulent activity regarding my mortgage that has been discovered. 

Another thing I want to point out is that my last complaint to the CFPB, Wells Fargo stated that they needed to talk to Mr. XXXX the attorney on the foreclosure case that Wells Fargo dismissed and then release the mortgage to me. However Mr. XXXX was my attorney on the case. Wells Fargo had there own attorneys who were XXXX, and XXXX who stated I was the owner of the home free and clear. Then later a different story emerged as to the home ownership of my home. The fact that Wells Fargo needed to speak to my attorney Mr. XXXX first before responding back to my Consumer Financial Protection Bureau complaint back in XX/XX/XXXX is very strange to say the least. Meaning that something happened, or a deal was made with my then attorney Mr. XXXX and Wells Fargo that i'm not aware of as to what it was. As well as to corroborate whatever story or deal that was made regarding home ownership. I'm also requesting Wells Fargo to state who is the owner of the home. Meaning is it me or someone else.
Consumer complaint received 2020-05-06
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. (GA)

XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit  score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

I found out there were medical collections ( account XXXX for {$140.00} from XX/XX/XXXX, XXXX for {$120.00} from XX/XX/XXXX, XXXX for {$96.00} from XX/XX/XXXX, and XXXX for {$56.00} from XX/XX/XXXX ) from Optimum Outcomes on my XXXX  credit report that I do not recognize. I tried calling Optimum Outcomes multiple times and left voice mail messages, but never got a response. I opened a dispute with XXXX  said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from Optimum Outcomes. I disputed these same accounts with XXXX and XXXX, and they promptly removed them from my account. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. with XXXX XXXXXXXX  credit card Upon conversation with customer service. They could not provide me with any substantial reason for that report. As seen on the attached document I have bot missed any payment since XXXX aside the false aligation. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. Thank you for your understanding and prompt action. Attached is a copy of my report ( XX/XX/XXXX ) Thank you for your understanding.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXXXXXX XXXX XXXX Account numberXXXX .... 
Recent balance Not reported Date opened XX/XX/2013 Status NO STATUS. 

THIS IS REPORTING WRONG. BALANCE ON THIS CREDIT CARD IS {$9000.00}. THIS IS A REPORTING INCORRECTLY.
Consumer complaint received 2017-08-07
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. (MD)

This is my SECOND COMPLAINT. I received no response to the original.
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it.
I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it.
This would be a very good issue to publish as it details the problems with information getting mixed up on family files.
Consumer complaint received 2020-09-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Aargon Agency, Inc. (CO)

Aargon Collection Agency - XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX - XXXX Aargon Collection Inc. Has repeatedly contacted me before XXXX and after XXXX. I have attached the most recent calls for proof/review by CFPB.
Consumer complaint received 2017-08-11
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. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX*********** I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (AR)

I requested a loan and never received the money and charged my bank insignificant Charges And Saying I Owe XXXX $ Loan But Never Received Or Sent To Me But There Trying To Charge me XXXX dollars
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

after opening a new checking account on XX/XX/XXXX for the first time with capital one i now find out that the security alerts ( texts/email ) for debit card transactions, withdrawels, deposits, CC transactions, low balance, direcrt deposit, large purchase and other security featues were disabled by Capital One on XX/XX/XXXX and not offered any more. this is absolutely a major violation of their security platform because you have no way of knowing if someone has taken your money or stole your CC and debit card info and is making charges on them. customer service said to logging into your account several times a day to check.???????? 
The capital one website even states : " Fend off banking fraud before it starts with Real-time alerts Keep tabs on your money with customized Capital One fraud alerts. Set up alerts for certain types of account activity, plus get alerts if we see something that needs a second look. Enhanced transactions : Stay aware when it comes to suspicious transactions. If a purchase doesnt seem right, get more details and dispute the transaction. '' if i can not get this feature setup on my account then i may be closing it but that is a hassel in itself. they already sent me a debit card in the mail. 
capital one is being very secretive about this and did not advise me about these security features not being available when i was starting my account and allowing me the option of canceling my account during setup process. 
is this legal???
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Dear CFPB, My name is XXXX XXXX XXXX. My complaint is against PayPal. My PayPal merchant ID is XXXX. I am the XXXX XXXX at our local church by the name of XXXX XXXX XXXX. I started the PayPal account for our XXXX XXXX charity operations. I am writing to complain about the unscrupulous business practices of PayPal. Since around XX/XX/2020 my account has been frozen and I am no longer able to conduct business with my account. PayPal allows me to receive payments from my e-book customers, donors and friends but I am not allowed to make any payments or withdrawals from my account for three consecutive months now. PayPal 's compliance department requested for official documentation including bank statements and proof of address which I gladly provided. PayPal has since repeatedly promised to call me directly on several occasions but has never called. I sent messages through the PayPal message center concerning this but they gave no explanation as to why they have repeatedly failed to contact me as promised. I have sent repeated messages complaining about this issue. Some of my messages are completely ignored. I have over USD {$26000.00} in this account. I have bills and employees to pay. My credit is being adversely affected because of the freeze on my account. I have submitted all of the official documentation required by PayPal 's compliance department but even after I submitted the documents PayPal went quiet. Their operations are very suspicious and I fear that my funds may have been stolen by PayPal. 

Any assistance CFPB can provide in this matter will be greatly appreciated. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX