davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (HI)

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Transunion does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

My report through Equifax website continues to show blank. They have attempted to correct this but it still shows blank. The last time they tried to correct this it reinserted trade lines that were disputed and removed prior.
Consumer complaint received 2019-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc. (GA)

Credit bureau made aware I was a victim of identity theft. Of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with redacted unknown account numbers and I have never done business with Acceptance Rentals. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has been reporting late payments on XXXX and XX/XX/2018 on my XXXX  and XXXX  Credit Report. I have asked them to update this mistake for the past year and they have failed to provide proof of my late payments and refuse to update the account. It has been hurting my credit profile.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC. (VA)

error within 60 days from the date the item first posted to my account. '' Call and fax logs to Optum Financial Bank from my cell XXXX XXXX XXXX and email XXXX indicate that I have repeatedly notified Optum Financial of this issue from XX/XX/XXXX until XX/XX/2022, less than 60 days from the unauthorized transaction posted date of XX/XX/XXXX. 
XXXX, a representative who handled my case, confirmed he received my unauthorized transaction dispute faxed in XXXX as well. 

Opened cases XXXX, XXXX, XXXX all indicate Optum is at fault for not processing my unauthorized dispute in a timely manner and falsely blaming me for not communicating promptly. Therefore, I believe CFPB should intervene and have Optum revisit my dispute and correctly refund me the {$270.00} disputed amount.
Consumer complaint received 2021-09-12
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. (SC)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME I AM ENCLOSING A LETTER OF EXPLANATION ON ALL OF THESE ACCOUNTS
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Receivables Solutions (NE)

I had a debt with XXXX XXXX XXXX XXXX, which I was making payments on. I had paid almost half of the amount, and then discovered via my credit score that a debt had been sold to collections. I received a statement from Accelerated Receivables in XXXX Nebraska. I do not recall the total amount of the debt, but I have bank records to show that I remitted a {$250.00} payment on XX/XX/XXXX of 2019. I shredded the statement with some other bills that I had made payments on. Sometime in either late XXXX or early XXXX, I contacted Accelerated Receivables via their online email option. I requested either another statement, or possibly an email with my account information so I could continue to make payments, as I had shredded my account information. In this email, I advised that I have an unusual work schedule, working second shift at the local XXXX, and that phone calls usually went unanswered since most came during the hours I sleep. I did not screen shot or document the date of this email, I assumed it was a simple enough request and I would be given the needed info to continue paying my debt. The closest thing I received to contact from this company was a phone call on XX/XX/XXXX at XXXX, while I was sleeping. No voicemail was left. I never received a return email, nor did I receive a statement with my account information. I tried several ways to make a payment using their website, but every option I found required my account number, which I didn't have access to. 

Time passed, and I was served notice that I was being sued, while I was at work, getting  XXXX XXXX ready for a XXXX XXXX in the XXXX I was put in a situation where I had to put a XXXX XXXX XXXX XXXX XXXX to stop and find out I was being sued for 'refusal to pay ' a debt that I had attempted to pay. Funds are increasingly limited, and I can not afford a lawyer, so I was unable to do anything in response to this action. Now I'm getting letters about wage garnishment. I do not deny I owe the initial debt. I attempted to pay this debt. Accelerated Receivables was notified that I needed information to continue to remit payment, and refused to provide this information, making it impossible for me to make a payment on this debt. Had this information been provided, there would have been no reason for them to turn it over to the courts, and there would be no lawyers fees and court costs, which have increased the balance claimed to over {$800.00}.
Consumer complaint received 2017-09-16
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. (FL)

Upon recently checking my Equifax credit report, I noticed an XXXX point credit score drop and investigated the cause. The cause was a duplication error on a derogatory mark/collections account on the report. The collections account from XXXX XXXX for XXXX dollars has been duplicated and caused a significant drop in my score. I attempted to correct this on the Equifax website but was met with a requirement for a case number that I do not have and have no way of generating.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I just got a letter from wells fargo about a dispute that i have received. They told me it was me, when i was clearly out of the country for 2 months. They said the signatures matched .... I ALWAYS SIGN THE BACK OF MY CARDS ... this is also Wells fargos fault because they did not check for ID at the store. I always place a note on the back to Check for ID and also I SIGNED THE BACK OF MY CARD. that is why the signature matched ... the thief just copied my signature. I really dislike wells fargo ... That is why i never would bank with them again .... I have tried to reach out to wells Fargo multiple times but no luck getting to anyone who wants to help me. I really hope XXXX XXXX changes to a different bank ... i
Consumer complaint received 2020-11-29
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. (FL)

Upon checking my credit report I found a delinquent account for {$1800.00} that was not mine. It was at in XXXX XXXX hospital in XXXX XXXX XX/XX/XXXX on XX/XX/. On this day I was actually in court. Proof and documentation that was submitted to original creditor debt collector as well as the credit reporting agency. Upon asking where this bill came from, where this account came from, who do you original creditor was, XXXX XXXX XXXX told me that the original creditor was XXXX hospital XX/XX/XXXX on the date of XX/XX/2016. I worked extensively with XXXX XXXX and XXXX XXXX of XXXX XXXX XXXXXX/XX/XXXX Eating them their investigation in supplying all the different reports police reports and documentation needed. Both Mr. XXXX XXXX and Miss XXXX verified that this was not me it was a fraudulent account and that it should not be reported on a credit bureau agency again. They told me that they reached out to everybody that they could to inform him of this year vacation. But Trans Union and XX/XX/XXXX both kept reporting it and said that it was a dollar discount. Even XXXX XX/XX/XXXX who I also submitted all this documentation along with the letter from the hospital said that they had submitted it for removal it would just take a break and out of time. However Trans Union and XX/XX/XXXX decided they wanted to keep it on there even with it being verified from the original creditor And debt collection agency that it was not mine it was fraudulent that it was deemed to be removed.I mean they had the LETTER from the original creditor saying that it was not mine! I find this very irresponsible especially in with the Covid pandemic we were all struggling beyond Our wildest imagination.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/year>, Bank of America took {$580.00} from my savings/transfers account. I called multiple times to get more information as to why, however, that did not resolve anything. I was promised I would get a check in 15 days for the amount taken in the mail but that never happened. I never received the check. I called again after the 15 days to let them know, and they told me they would cancel the check and instead transfer the money directly to my account in 10 business days. I have the information regarding this phone call. I waited, however the money was never transferred to me. The Bank of America customer service has been nothing but a nightmare to resolve this issue that is still ongoing.
Consumer complaint received 2023-01-11
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my XXXX Bank XXXX : # XXXX, 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 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 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 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, has violated my rights.
Consumer complaint received 2017-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

I took out a {$600.00} Loan online. I did not expect to have make payments of {$210.00} with {$30.00} going to the principal and the remaining the money going to the interest in the amount of {$180.00} a month. In addition to this loan is expected to be paid back by XX/XX/XXXX. 
The amount I will have paid back will be {$2400.00} for a loan of {$600.00}. I have not made a payment yet but I am expected to make a payment on XX/XX/XXXX. in the amount of {$120.00} {$90.00} going to interest and XXXX going the prinicipal. I know this is illegal to charge such a large interest on a small loan. I intend to contact my bank to stop the withdrawal of money to this company. I would like this high interest to be eliminated to pay this loan back in the amount of {$600.00} not {$2400.00} I have been deceived by this company.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my XXXX XXXX XXXXXXXX : # XXXX, 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 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 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 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, has violated my rights.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (MO)

I am submitting another CFPB Complaint to you today to request once more to thoroughly investigate my Credit File and correct the erroneous information you report on my Credit File. Under the Fair Credit reporting Act, you must investigate a consumer 's Credit File and correct the erroneous information. I checked my Credit File and I see no changes at all. You have not complied with the request and the federal law. You continued reporting the disputed accounts as if they are accurate and verified. I previously requested that you send me copies of your investigation but you have not! I, once again, would like to request that you correct the following accounts as soon as possible ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXXXXXX XXXX XXXX Balance Owed : {$26.00} XXXX I demand you to comply with the Federal law and have the disputed accounts corrected as soon as possible.
Consumer complaint received 2021-09-20
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 (UT)

There was fraud in my XXXX account. A purchase was made and delivered to a fraudulent address in California. 

I immediately contacted XXXX who said, " We can not stop or apply credit for merchandise that has already been delivered. Please dispute this charge through your credit card company and we will agree to the credit. '' Unfortunately, the product was delivered so quickly I was left without recourse. 

I filed a dispute with American Express who quickly denied the dispute and claim I am responsible for the charge. 

My first knowledge of this charge was a delivery notice to the fraudulent address. I immediately contacted both XXXX and AMEX, both of whom refused to provide credit for the fraudulent purchase.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (IL)

I recently reviewed my credit report using one of several free services. It was at this time that I observed that a collections account had been opened back on XX/XX/2020 on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 

I was puzzled by this. 

I am aware that prior to XX/XX/XXXX of 2020 that my XXXX XXXX XXXX  XXXX account had been in collections, and I was given two different options at that time. I could pay an extremely large amount of money which reflected all of the past due service charges, any late fees from those billing statements not paid, plus the entire cost of the rented dispensers on account, plus charging for every single bottle in my possession.

Suffice it to say that was an astronomical amount of money. I was also given an offer to pay a much smaller amount of money to resume services. I selected the option to resume service, I provided my payment information over the phone, I then asked how I would go about restoring service, because DS Waters when I previously called them stating that I just wanted to pay them to get the account back current said I could not deal with them once it went to collections ... 

I was advised that someone from either the collections company or XXXX  XXXX XXXX XXXX would contact me to resume service. 

It's possible that phone calls/voicemails were missed. Not likely because I was actively expecting those calls. I was never contacted in writing by either party to resume service. 

I was never contacted by either party to indicate that billing and service had automatically resumed under the previous service conditions. 

I was never contacted to in writing to communicate that I needed to call someone to restore service. 

I was never contacted in writing to communicate that this account was sent to collections. 

I fail to see how I can be sent to collections, for something that I was never even billed for. 

I performed my responsibility which was to pay the amount communicated by the previous collection attempt. When I asked that representative about next steps, she never indicated that it was my responsibility to contact anyone, for any reason ... 

When skimming through complaint information about this collections company on your website, I observed that at least one other person had issues with a water delivery company. I must wonder where the problem truly lies, on the end of the water company, or the end of the collections company. In this situation however, I feel that both companies have committed multiple errors along the way.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I walked into Chase Bank on XXXX XXXX XXXX in XXXX XXXX, CA and deposited a check into my checking account in the amount of {$5000.00} from State of California XXXX XXXX. After depositing the check I asked the teller when would my funds be made available and was told within 24 hours. The next day on XX/XX/XXXX, I called to inquire about the hold on the check that was deposited on XX/XX/XXXX and was told that I would be able to access my funds on XX/XX/XXXX. This morning when I called once again asking about the release of the check the treatment I experienced was rude, condescending, and demoralizing. I am now being told that I would be lucky if I receive access to my funds by the end of next week. I explained that this check is for my Workers Compensation and that I will not start receiving my CA XXXX XXXX checks until next week and that I am in desperate need of food and have to pay my rent. Unfortunately, the staff that I spoke to at Chase Bank were cold and demeaning instead of understanding and did not try to find or offer resolutions. This country is still in the middle of a pandemic and people are struggling financially and I am one of those people. I am permanently XXXX due to a horrific workplace injury and struggle with XXXX and XX/XX/XXXX as a result. Had I known that my depositing a check from the State of California into my personal checking account would not only further increase my my XXXX andXX/XX/XXXXbut also lead to me starving and not being able to pay rent, I would have resorted to paying exorbitant fees to a check cashing business. Please assist me with accessing my funds.