davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I found this on my credit report and I did not apply for any credit cards. Here is the info. 
BANK of America XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-03-01
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. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX, XXXX C.F.R XXXX. See Also XXXX C.F.R XXXX XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- XXXX ACCOUNT XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.
Consumer complaint received 2022-09-12
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed ( XXXX  XXXX Acct # : XXXX ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish theses accounts.
Consumer complaint received 2022-04-02
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I used XXXX to make a transaction and didnt realize Wells Fargo doesnt protect their customers with scam XXXX transactions, Wells Fargo dismissed my claim, I want the scammers bank account investigated and to go to jail. I want my money back too. The scam happened on XX/XX/XXXX and I reported right away. Here is the scammer information XXXX XXXX
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX reported to the credit bureaus that I missed my payments for XXXX, XXXX & XX/XX/2020. Dropping my credit score by 90 pts. Which Resulted in my opportunity to buy a home and receive my SBA grant.I was Denied for the grant due to credit reporting by XXXX XXXX. 

During the COVID lockdown in Michigan my place of employment was forced to close by the Governor of Michigan. I had to apply for unemployment, but due to Michigans Unemployment department Problems, which are widely known, I did not receive my unemployment payments for 11 weeks. 

I contacted XXXX XXXX in XX/XX/2020 and requested a payment deferral until XXXX, I did make my XXXX payment. 
Note : XXXX XXXX MAKES THIS PROCESS very time consuming and nearly impossible. Unlike most banks, who make the process as simple as clicking on a link and your payments are immediately deferred. ( Example XXXX XXXX, or XXXX  XXXX XXXX ) XXXX XXXX gives the appearance they are being reasonable and following the guidance of the Federal Government, but they deliberately make the process as arduous as they can to deter people who are already stressed. When you call, which is the only way XXXX XXXX provides, a recording explains hold times are longer due to COVID 19. The hold times in XXXX and XXXX were greater than 30 minutes at any time during the day or night.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AZ)

Discover card sent me an email about four or five months ago saying that if I sign up for automatic payment and after two automatic payments are processed from my checking account that I would get a {$40.00} statement credit. There has already been three automatic payments and has already been three months and I still have not seen the credit and when I call customer service they say they have no idea what Im talking about.
Consumer complaint received 2020-10-20
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. (OH)

After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Consumer complaint received 2017-12-09
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. (TX)

I called transunion XXXX XXXX, 2017 and spoke with a representative. I received a letter earlier this year about a security breach I did n't think anything of it until all of these inquiries started popping up on my credit report. The representative stated that they would not be able to assist me as I will need to wait the 2 year period for them to fall off. I have not applied for any form of credit and should not be held accountable for things like this
Consumer complaint received 2024-01-23
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. (OH)

In accordance with the Fair Credit Act XXXX  Account XXXX  XXXX bankruptcy Reference Number XXXX which was discharged XXXX days later therefore has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (HI)

I spoke with a customer representative on XX/XX/2022 to have my pmi removed because I reached below 78 % of my original value and she informed me that it will be removed at 75 %. I told her that is incorrect and finally she said that she will submit a request for them to remove it after I kept asking her from the beginning if she could submit the request and she said it would take 3-5 business days then she hung up on me. On XX/XX/XXXX, I called back to check the status and another customer service representative told me that it would take 30 days. The pmi should've been removed automatically once i reached below 78 % according to previous letters that were sent to me from BSI Financial.
Consumer complaint received 2020-07-18
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)

XXXX XXXX reported to the credit bureaus that I missed my payments for XXXX, XXXX & XX/XX/2020. Dropping my credit score by 90 pts. Which Resulted in my opportunity to buy a home and receive my SBA grant.I was Denied for the grant due to credit reporting by XXXX XXXX. 

During the COVID lockdown in Michigan my place of employment was forced to close by the Governor of Michigan. I had to apply for unemployment, but due to Michigans Unemployment department Problems, which are widely known, I did not receive my unemployment payments for 11 weeks. 

I contacted XXXX XXXX in XX/XX/2020 and requested a payment deferral until XXXX, I did make my XXXX payment. 
Note : XXXX XXXX MAKES THIS PROCESS very time consuming and nearly impossible. Unlike most banks, who make the process as simple as clicking on a link and your payments are immediately deferred. ( Example XXXX XXXX, or XXXX  XXXX XXXX ) XXXX XXXX gives the appearance they are being reasonable and following the guidance of the Federal Government, but they deliberately make the process as arduous as they can to deter people who are already stressed. When you call, which is the only way XXXX XXXX provides, a recording explains hold times are longer due to COVID 19. The hold times in XXXX and XXXX were greater than 30 minutes at any time during the day or night.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (VA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (WA)

We purchased an XXXX laptop on XXXX using our Chase Bank XXXX XXXX on XX/XX/XXXX It felt a bit flimsy with a plastic chassis underneath, but worked quite well UNTIL just before XXXX XXXX. She turned it on one evening to find rows of vertical black lines running down the left side of the screen. Because we were abroad ( XXXX ) without internet at her mom 's house, I was neither able to access my XXXX XXXX account to find out exactly when we had received the computer nor access XXXX 's website to see if we could somehow contact tech support while in XXXX XXXX. I thought we were well within the 1-year warranty period, so I decided to contact XXXX as soon as we got home on XX/XX/XXXX. 

When I checked my XXXX orders I found, sure enough, that I had purchased the laptop in XX/XX/XXXX and it was delivered XX/XX/XXXX. Just my luck, only 20 days out of warranty, I hoped XXXX would be customer-friendly and stand behind their product even though I was unable to contact them within the warranty period due to extenuating circumstances. 

I called XXXX first thing Monday morning ( XX/XX/XXXX ) and pleaded for compassion from the customer service rep ( XXXX ). He sounded somewhat sympathetic, telling me that he asked his supervisor for an exception to policy which was denied. He told me that I would have to pay {$220.00} to have the cheap screen of a {$350.00} computer repaired, a screen that had failed well within the warranty period. I told him " thanks, but no thanks '' and that XXXX had lost a customer, a customer that could have been a lifetime XXXX user had they treated me with compassion and professionalism, standing behind their faulty product because it would have been the right thing to do. 

I filed a claim with Chase XXXX 's extended warranty program : CARD BENEFIT SERVICES XXXX. XXXX XXXX, XXXX, TN XXXX XXXX on XX/XX/XXXX, but it was originally denied. After threatening to contact Chase ( which I did - they referred me back to Card Benefit Services ) and file complaints with you and others, they finally agreed to pay the claim on XX/XX/XXXX in the amount of {$180.00}, but I had to call within 48 hours to arrange payment ( I have their approval letter and a recording of the phone conversation ). They were unable to refund the amount to my debit card due to internal errors, so they said they would send a check for {$180.00} within 10 days. 

When the check did not arrive in the allotted time, I sent them emails on XX/XX/XXXX and XX/XX/XXXX, asking them to pay the claim as they had promised to do or I would file the complaints. It is nearly 2 months after the claim was approved and I have not received the check and they have ignored my emails. The claim status is noted as " Paid '' on their website where I filed the claim.
Consumer complaint received 2024-02-21
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. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have full account but this number is whats showing on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more i

s incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prov
e my case
Consumer complaint received 2017-03-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (WA)

The issue I think I have at well fargo is I can not finish the lending procedures. I have feeling the Loans and credit cards I applied for were approved. unfortunately I feel the bank employees took the action of falsify or not finishing the lending procedure and told that they needed to verify a few pieces of information. when really just printed and mailed me a letter declining the account. 

the accounts applied for are a consolidation loan and a visa signature. I have applied for each accounts at least twice if not three times.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

A financial interview was completed with Wells Fargo on XXXX XXXX, XXXX with their " re-entry team '' to open the loss mitigation review. They stated that they needed a hardship letter, 30 days of paystubs, the XXXX XXXX, a homeowners assistance form, a XXXX, and a completed ( 30 minute ) verbal financial interview. All these documents and interview were completed and faxed to the lender on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a call to the lender was placed and they advised that they needed to verbally know the start date of employment for XXXX and needed written clarification on some of the deductions on the paystubs. It was also advised that XXXX XXXX, the wife who is not on the loan, is not a contributor. The written letter of explanation on the paystubs was sent to the lender same day. Then another call was placed on XXXX XXXX, XXXX where they came up with a whole new list of documents needed including asking for paystubs from " any income on the tax returns. '' XXXX XXXX XXXX and XXXX XXXX XXXX filed their taxes together, but she is not on the loan nor is she a contributor to the loan and this was already explained to them. Therefore they can not continue to ask for this income. They are requesting additional information every XXXX days and not putting one list in writing. They also asked for the Home Owners Financial statement to be notarized, which is not a requirement. They are purposely dragging out the review and not putting complete requests in writing to make the review impossible to complete!
Consumer complaint received 2024-02-21
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. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I keep receiving Credit Cart applications from Capital One that I do not want. The bottom of the form has an " OPT OUT '' phone number, but when I call it the recording requests my Social Security Number. I will never give out my SSN to a recording just to stop receiving credit card applications and I don't trust Capital One with my personal information.
Consumer complaint received 2020-07-18
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. (LA)

Experian was notified the my XXXX XXXX XXXX account was paid in full last month. I also sent them documentation the the loan was paid in full and there should be a {$0.00} balance. They still have not resolved or updated my account.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The adverse item being reported without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. XXXX and XXXX are thus violating this provision by reporting inaccurate information without proper consent. 

Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of relevant sections and limit the furnishing of consumer reports to specified purposes. XXXX, XXXX and Transunion are failing to uphold these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, I have the right to opt out of reporting services at any time, and I am choosing to exercise that right. 


XXXX XXXX / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX charged off XXXX XXXX / acct number XXXX charged ofXXXX XXXX XXXX XXXX / acct number XXXX all ( late payments )