davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear TransUnion Bureau, I am XXXX XXXX XXXX, a victim of identity theft. I have already contacted you earlier regarding the Fraudulent Hard Inquiries, but there was no answer. There are some Fraudulent Hard Inquiries on my credit report, I notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. 

I did not authorize the listed inquiries, they do not belong to me, so they should be removed from my credit repoet as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Khols was sent a letter of dispute. After review of my credit reports, Kohls has not marked my account as disputed as required by the FDCPA
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I wish to practice my right as a customer of Wells Fargo to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Wells Fargo. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Wells Fargo respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by various ( seemingly interconnected ) brands such as XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account, and through an intermediary XXXX to fraudulent investment firms. 

Please see the attached PDF file. 


Thank you, XXXX XXXX
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (OR)

In XX/XX/2023 I was NOT told I could not re open my credit builder card from Chime. I was told you may not be able to re open it thinking I would be able to re open it later.

Chime refused to help me open it. I was not legally told I couldnt re open it. If I would have known I wouldnt have closed it.
Consumer complaint received 2021-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX, my online Citizens account reflects a charge for {$95.00} for Mortgage Insurance for HUD-Risk Based Premium payments, however, the loan was paid in full on XX/XX/XXXX. 
I requested a review of this charge for mortgage Insurance and deduction from my escrow account. I have confirmed with Title Agency, XXXX XXXX XXXX XXXX XXXX, who closed and prepared the closing documents, that PRO-Rata MIP fee assessed on my closing statement already covered the XXXX Mortgage Insurance Payment ( paid to Citzen 's One ). An attempt to rectify this issue with a customer service agent on XX/XX/XXXX and a letter sent to the bank on XX/XX/XXXX and XXXX XXXX, XXXX have led to " no findings '' however the bank has provided no context to how the Pro-Rata MIP paid to them in addition to the fee 's paid to the bank from my Escrow can be justified. 

A letter dated XX/XX/XXXX, simply stated : Your concerns were addressed in previous correspondence dated XX/XX/XXXX, and attached the same response. 

In more detail : Pro-Rata MIP represents Mortgage Insurance Premium. In my closing, held on XX/XX/XXXX, I paid {$190.00} to Citizens or {$95.00} for each month. At which time, no additional payments should have been drafted from my escrow fund. Despite that, they were. 
I have not only been charged from my escrow but double charged for both XXXX and XXXX via escrow, closing payments, and a regular mortgage payment made XX/XX/XXXX. 
The Pro-Rata MIP fee at closing appears to represent the monthly premiums for two months of Mortgage Insurance ( {$95.00} each month for a sum of {$190.00} ). 

Here are the details for payments made regarding MIP : - XX/XX/XXXX Mortgage Insurance Paid via monthly mortgage payment/escrow deduction of {$95.00} XXXX Pro-Rata MIP paid via closing deduction of {$190.00} XXXX Mortgage Insurance Paid via Escrow Deduction of {$95.00} From XX/XX/XXXX to XX/XX/XXXX a total of {$380.00} was paid for Mortgage Insurance Premium. 

Refund For Incomplete Services Included in the closing settlement statement prepared by XXXX XXXX XXXX was a list of fees paid to Citizens One Home Loans. Such fees represented an obligation to accurately and properly fulfill obligations to me as a customer and seller. Citizens One has failed to fulfill that obligation by ensuring that my account balance and information on file with the bank were accurately reflected and kept. Since my request on XX/XX/XXXX, and subsequent letters dated XX/XX/XXXX and XX/XX/XXXX, Citizens One has further demonstrated that even after said review, they are woefully inept to fulfill their obligations to rectify and respond appropriately. Therefore, I am still requesting a full return of the {$38.00} recording fee and the {$5.00} fax/statement fee paid to Citizens as the services paid for were unsatisfactory and incomplete. 
I look forward to resolving these matters promptly.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Ive been trying to talk to the company related to the collection and they understands that it was not my account that the collection is connected to. Ive never owned an account from XXXX and stated that multiple times to XXXX  as well as XXXX. All the other Credit Bureaus were able to understand that the account is faulty and isnt my account which resulted in it being removed from my account, but XXXX will not remove after Ive stated multiple times that it isnt mine.the collection is {$150.00}. Ive attached my phone company that Ive had for years. I have never owned a XXXX XXXX  product
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (FL)

My sister and I went to a XXXX XXXX in XXXX FL to buy a {$200.00} Visa GIFT CARD. She owe me {$200.00} so she bought the Gift Card with her credit card and gave it to me. I tried to use the card few days later but was not able to do it because the available balance was not {$200.00} but {$0.00}. I went to XXXX in total disbelief to make the claim and the manager told me to contact the card. 

The card had the VISA logo so I called Visa but they said they have nothing to do with it. 
I called the number behind the card, the representatives only spoke XXXX, it was not an easy process but after few attempts I finally received some paper work by mail to start a dispute, filled it out, sent it back but did not hear back from them again. I tried to call in different occasions ( there's no phone number available for their dispute department, so you need to wait for someone from the number listed on the back of the card to transfer you, then the call would drop. 

I realized then I was dealing with a irresponsible company that clearly knows they have a glitch in their system and do not allocate resources to fix it. 
I was so aggravated and mentally distressed for having to go through such experience that ended up giving up on my {$200.00}. 

They try to delay and complicate the dispute process making it difficult and sometimes impossible for the affected party to get their money back. They ask for a receipt knowing this is a GIFT CARD and chances are you will not have the receipt. 

This way they get rid of a lot of claims transferring their responsibility to guarantee funds on the Gift Cards to the person that got the Gift Card because they will most likely there's no proof of purchase.

I still can not comprehend how a brand new VISA GIFT CARD has no available funds but they are very much aware they have a broken system and they should be obligated to disclose that the gift card being purchased may have no funds available. 

They know whats going on and the consumer should be protected from Companies like this one. They shouldnt operate unless they guarantee that if you buy a gift card for X amount of money, the money will be available. 

The Company name is apparently XXXX XXXX XXXX and they are located in XXXX, NV. Non of that info is available on the card, and they are probably aiming to certain demographic that doesn't know their rights or will do little to claim the money lost. 

This claim started in 2019. I did give up on it but I was going through some archived paper work today and found a replacement gift card ( obviously with no funds ) and thought it is unfair to me a any consumer to trust a US company with the VISA Logo to later realized youve been fooled. It is unfair to loose your hard end money to a company that shouldn't be in business until they guarantee the funds for the Gift Cards they sale.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (IN)

I received an email from this company on XX/XX/XXXX. 
The email was addressed to my wife and claimed to have a document for us to view. I wasn't expecting an email from a company, let alone an attachment. I didn't open it. 
I replied to that email requesting full validation on this account. 
In their email, they stated that they had our permission to contact us via email - we have never talked to them before, never gave them an email address, nor gave them permission to contact us via email. 
" You were never given permission to use this email address. 
Although I was able XXXX search the address and find out who that address is for, I am not clicking on a link or opening an attachment from an e-mail I was not expecting. 
However, if this is Sunrise Credit Services ( as XXXX suggested ), you can mail a physical letter to the address you have on file - I have yet to receive one from you. 
Also, along with this letter, I demand full verification of the account in which you are trying to collect - copies of the itemized bills, notices, etc., as well as the proof of permission you were given to contact whomever at this e-mail address. 
Please note : This is not a credit dispute or an acknowledgment of debt. The marking of any credit reports as disputed in regards to this verification request will be an FDCPA and an FCRA violation. '' No validation letter/statement received, but their repeated phone calls to my wife and I persisted. 
On XX/XX/XXXX, I emailed them again : " This is my second request for verification on this account. You continue to call and demand payment. 
I still have yet to receive anything in the mail from you. '' Once again, no validation letter/statement received, but their repeated phone calls to my wife and I persisted. 
I just received a phone call ( XX/XX/XXXX, XXXX ) and informed the collector that I've already requested validation on this account twice and I have yet to receive a single piece of paper in the mail from them and their phone calls have continued. 
I informed her that if these demands for payment persist without sending me something so I can validate this debt they're claiming I owe, I will file an official complaint. She acted as if she didn't care and short of laughed at me. She told me that she could dispute the debt and I stopped her and told her I'm not disputing the debt and I don't want it marked as disputed on anyone 's credit report and that I'm simply requesting validation for the third and final time. She, once again, acted like she didn't care.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

The situation in my credit report is causing deep distress and profound disappointment. It is not only highly embarrassing but clear that either you or the company is accountable for reporting this inaccurate information. Please remove any late payment notations and update the status to " paid now '' or " as agreed. ''
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CA)

XX/XX/2020 : I called the company Westlake Financial to ask for a reduction in the interest to allow for lower payments but they refused. 

XX/XX/XXXX : Called again stating that I could not pay the amount but they denied again and only offered to defer the XXXX payment. 

XX/XX/2020 : I could not make the payment so they reported me to the credit Beaureu which really messed up my credit which I am trying to protect.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc (CA)

Received for the second time a pay pal Email explaining a purchase that I never placed Fist XXXX XXXX dollars Second XXXX dollars They provide a phone number which I called and they want more information On my finances this is the phone number they provide XXXX Please I would really appreciated if you can investigate and make sure this is a fraudulent company
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2020 I received a letter from Chase Bank unilaterally cancelling all of my personal accounts, and all accounts that I was associated with. This includes my mother, my niece, and my children. They cancelled credit cards on the same date as the letter and stated a termination of our banking relationship Would be effective XX/XX/XXXX. The bank has provided NO EXPLANATION, and has refused to communicate with me regarding this issue. I have had a relationship with Chase Bank for 20 years and have multiple business and personal accounts with the institution. The aggregate amount of my assets with Chase Bank are substantial, and being a Certified Member of the woman owned XXXX XXXX, I find the treatment XXXX   and discriminatory. Failure to provide any explanation, or opportunity to cure any perceived irregularity is misconduct by this institution.
Consumer complaint received 2023-01-30
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)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX DEPART ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Management Control, Inc. (TX)

Received XXXX XXXX  from XXXX XXXX which I did not open but was charged for upon my termination of my services with them. Received letter stating I could avoid Exit Fees by returning XXXX XXXX  in original box in a method that provides proof of delivery to Attn : Returns XXXX XXXX XXXX XXXX, XXXX. 
I mailed the merchandise to the above address XX/XX/2019 per XXXX. It was delivered to the above address XX/XX/2019. I have receipts with tracking number and receipt of delivery. The account has since been sold to collection agency who is reporting on my credit reports. 
I attempted to speak with collection agency representative about dispute, but they were argumentative, rude, and generally, non- helpful in resolving this matter.
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: Experian Information Solutions Inc. (TN)

To whom this may concern, I have asked Experian and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
Consumer complaint received 2024-02-24
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. (FL)

I am submitting this complaint to request an investigation into the inaccuracies pertaining to the mentioned account. The information reported is incorrect and is adversely impacting my credit score due to its negative nature. As per the Fair Credit Reporting Act, I kindly request that you commence an investigation into this account within the stipulated 30-day period. It is imperative that all adverse information pertaining to this account be rectified promptly. Specifically, the account requiring investigation is as follows : XXXX XXXX XXXX XXXX, with a balance owed of {$520000.00}. This account has been inaccurately reported in my credit file. I respectfully request the removal of any late remarks associated with this account, as I have never made late payments. I urge you to thoroughly review the provided information. Your prompt attention to this matter would be greatly appreciated. Furthermore, I request that any information unable to be verified with 100 % accuracy be updated accordingly. I eagerly anticipate the timely correction of my credit information to accurately reflect the necessary changes.
Consumer complaint received 2020-09-20
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: ID Analytics, Inc. (AR)

PLEASE BE ADVISED THAT XXXX  XXXX HAS ELECTED TO SUPRESS MY CREDIT FILES AS DEAD SINCE XX/XX/2015. IN VIOLATION OF F.C.R.A. 15 U.S.C. Section 1681g, FACT-ACT AND THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ( XXXX  REFUSING TO ANSWER CFPB 623 TIMES.

THE FOLLOWING FURNISHERS OF TRANSUNION DATA ARE PROBILTED TO PULL MY CREDIT FILES FOR ANYONE.WE WILL BE FILING A XXXX XXXX DOLLAR PUNITIVE CLASS ACTION LITIGATION LISTING, XXXX XXXX XXXXXXXX, SAGESTREAM LLC, XXXX XXXXXXXX XXXX, XXXX XXXX..AND 68 ACCOUNTS AND PUBLIC RECORDS CURRENTLY REPORTING ON XXXX  XXXX.