davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, Transunion, XXXX and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I opened a complaint with your agency on XX/XX/XXXX ( Complaint # XXXX ) but your portal does not offer a consumer the opportunity to explain how the process is going. This company ( Black Hawk ) had a representative contact me. Her name was XXXX XXXX. She attempted to help me last week by re-registering the card. She confirmed that the prepaid balance was {$200.00} and encouraged me to try to buy on XXXX again. However, The card was denied AGAIN after I had charged the following charges XXXX {$42.00} XXXX {$48.00} XXXX {$10.00} This credit card company owes me {$84.00} in face value alone. I've worked for many hours on this. Between calls to Black Hawk, the CFPB and XXXX, I've wasted many hours. Please compel Black Hawk to send me a new card that actually works. 

Sincerely XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bureau of Accounts Control (PA)

BUREAU OF ACCOUNTS CONTROL This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 



I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (NY)

keep receiving mail fro, attorney office re debt from at least 9 or 10 yrs ago original debtor was Credit acceptance corp for a XXXX XXXX XXXX that was repo and sold at auction. The creditor filed a claim in XXXX county civil court and my salary was garnished. I went to court and had the interest vacated and the account was settled and removed from my credit report per the decision of the judge. This took place in XXXX when i started working for XXXX XXXX. i have repeatedly faxed the law office my response and the get more letters saying i have 30 days to respond.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

On XX/XX/2021, I received an alert from the credit reporting agencies that Afni added a new account on my credit reports without ever sending me a dunning letter. Plus, I do not owe Afni nor am I responsible for this alleged debt with XXXX. I need them to not contact me, close this account, and delete this account from my credit report. 

Account : XXXX Amount : {$390.00}
Consumer complaint received 2020-11-15
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. (NY)

The Credit Bureau is reporting a business account on my personal profile. The account only started to be reported after a 60-day late remark which was in direct result of covid 19. I'm in the process to apply for a mortgage and this could potentially cause me severe damage.
Consumer complaint received 2019-05-14
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: Experian Information Solutions Inc. (GA)

!!!!!! This is not a Duplicate!!!! I have contacted XXXX XXXX and Experian about a fraudulent collection account being reported on my credit file. XXXX XXXX about a fraudulent debt that was placed on my credit report. Someone attempted to rent an apartment in my name and the fees associated with them submitting an application in my name have been attached to my credit file. I have contacted XXXX XXXX and told them directly the account they were reporting was fraud and they have been verbally abusive to me, and refused to remove the account from my credit file even though they know the collection is as a result of identity fraud. I have contacted XXXX XXXX in Experian 's Consumer Relations Department 7 times in total and left voice mail messages for him and he has never returned any of my very detailed messages. I was told by Experian to contact XXXX XXXX when I noticed information on my credit file that was fraudulent. I have done as I was asked to do, but in all of the 7 detailed messages I left for XXXX XXXX over the course of 2 weeks he has not responded to any of them and has not blocked the fraudulent collection account that XXXX has placed against my credit. I have provided XXXX XXXX and XXXX XXXX a copy of my very recent police report regarding the fraud that was committed against me and they both have refused to abide by the FCRA Section 605 B, and are defaming my character and intentionally inflicting emotional distress by reporting fraudulent information that they have both been told does not belong to me. I am attaching my police report to this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 we closed a refinance mortgage with cash out of {$87000.00}. We requested the wire proceeds be sent to our checking account with Wells Fargo Bank. We have still not received the wire and the wire has not been returned to the closing agent as rejected. Two things happened that did slow the wire process down. First the wire was flagged for XXXX but has since been cleared per the wiring bank. Second when completing the wire paperwork we left out a digit in our account number. Speaking to Wells Fargo the account number given is not a valid account number so it would not receive a wire. XXXX XXXX who disbursed the funds has called, visited Wells Fargo with all the paperwork with no valid response. Generations Escrow bank XXXX XXXX XXXX  an XXXX XXXX has tried to call Wells Fargo, sending service communication to correct the account number or request the wire returned. They have had no response and were told they could not communicate via phone with them. Our lender has called daily and gone into Wells Fargo with no assistance provided. At this point we are going on 3 weeks paying interest of {$64.00} per day without our funds. We are desperate to receive the wire returned or deposited into our account and are in need of your help.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (GA)

On XX/XX/2021, I received an email about a decrease in my consumer report. When I checked my report I noticed my score had dropped tremendously. Ability Recovery Service has reported that I somehow owe them money. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. 

To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave ABILITY RECOVERY SERVICE, XXXX, XXXX, OR XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.
Consumer complaint received 2018-07-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2015 I filled a police report to report that several checks that was issued to me from Child Support were missing and they were cashed. I was told by the State of Florida Disbursement Unit that I could file a complaint with Wells Fargo Bank to investigate what happened to the checks because I did not received them and they were cashed by someone else. I filled a notorized complaint XX/XX/2015 and sent to Wells Fargo Bank the missing check numbers and amounts were furnished to me by the State of Florida Disbursement Unit. I sent the paperwork to Wells Fargo Treasury Management Fraud operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. I called Wells Fargo numerous times and I was told that I had to get a case number from the State of Florida Dispursement Unit. When I called them they didn't know what I was talking about. So far I have not got anywhere with these 2 agencies. I have the check numbers and amount that were cashed. I really cant understand why no one can help me. I am filing this complaint in hopes of getting a resolution.
Consumer complaint received 2021-04-06
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. (KS)

Experian is reporting a fraudulent account on my credit report after XXXX XXXX stated they do not have knowledge or any information in their system regarding this account. Account number XXXX XXXX XXXX XXXX have sent multiple dispute letters regarding this account and Experian has yet to remove this account. Also, I havent made any payment towards this fraudulent account but Experian is reporting a recent payment of {$2.00}.
Consumer complaint received 2018-07-21
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)

I submitted three cases to the Consumer Financial Protection Bureau, regarding Trans Union repeatedly violated the FCRA 15 U.S.C. 1681i ( a ) ( 7 ). I have requested 8 separate times for Transunion to send me a valid method of verification bearing my signature for a disputed XXXX XXXX XXXX account. TransUnion has also failed to mark this account as disputed as federal law 15 U.S.C. 1681i ( c ) explains. They continue to violate federal law.

Here are the case numbers XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX
Consumer complaint received 2021-09-22
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: TD BANK US HOLDING COMPANY (NJ)

I contacted TD Bank in XX/XX/2021 regarding a home equity loan on my co-op located in XXXX, NJ. I was assigned to XXXX XXXX, XXXX, Mortgage Loan Officer, NMLS # XXXX. After numerous phone conversations, Ms. XXXX assured me that she can process the home equity loan and that TD Bank provides financing for home equity loans in the XXXX of NJ. After those confirmations and assurances ( conversations which were recorded ), I and my co-applicant agreed for Ms. XXXX to run our credit histories and proceed with the application. After the loan went to underwriting, I was informed that TD in fact does NOT do home equity loans in the State of NJ. I left Ms. XXXX two voicemails to get an explanation, which she did not return. 

Upon this non-response, I requested to speak to a supervisor. After a few more follow-ups, on or around XX/XX/2021 ( about 3 months after my initial application ), a supervisor named XXXX XXXX finally called me back. He nonchalantly told me that TD Bank does not finance home equity loans in the State of NJ, only in NY and offered no further explanation. I requested that the inquiries be removed from mine and co-applicant credit reports because those were agreed to based on misrepresentations made by Ms. XXXX and he said he will make the request. I followed up on XX/XX/2021 on the status. The supervisor refused to speak to me and I was informed by XXXX XXXX XXXX, Loan Processor, NMLS ID # XXXX that my manager said he escalated to the appropriate parties for further research, as discussed in your last conversation with him. And as soon as there is an update someone else from that department will reach out to you. As of today, XX/XX/2021, I am still waiting on a status update and more importantly on a resolution. 

Ms. XXXX was negligent and misrepresented, lied, and took advantage of an elderly applicant ( I am XXXX XXXX XXXX ). As such, she should be immediately stripped of her license and she should not be allowed to take advantage of consumers, especially elderly ones. Because of her actions, my credit report was damaged, I am facing high interest rates with new creditors, and I have lost 3 months of time that I can not get back. 

On the other hand, the supervisor XXXX XXXX was rude and refused to talk to me and provide status update and a resolution to my case. He should not be in the supervisory position and should be providing me with an apology for the way he spoke to and treated me. He should be enrolled in an extensive training program. 

I demand that the credit inquiries be removed from mine and my co-applicants credit reports due to negligence and misrepresentation and that Ms. XXXX and Mr. XXXX face consequences for their actions to protect consumers like me.
Consumer complaint received 2018-07-20
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 — Problem with personal statement of dispute
Company: American First Finance, Inc. (CA)

XX/XX/XXXX ... .did not take ACH payment which made account late XX/XX/XXXX ... took {$330.00}, couldn't find for over a week and ended up that amount was applies to another persons account. 
XX/XX/XXXX ... associate did something to our account which made three payments come out within ours of eachother. I told supervisor to please listen to the 'recorded conversation ' and her response was there was a 'learning experience ' rather than financially assist us. 
XX/XX/XXXX ... recieved letter regarding an amount of over {$1000.00} we were to pay by XX/XX/XXXX, to call and make arrangements for amount due of a different amount. As of that date 1. our account with them doesn't end for another year. 2. we asked for a payoff amount ... period! 3. We had already paid over a thousand at the time of the letter. 

when we asked for them to correct our negative credit reporting their answer was that because our credit union had disputed the transactions ... ..it was their fault and they would not change anything. 

We have all documentation from our bank and the emails from the supervisor of the company.
Consumer complaint received 2018-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to unlock a credit feeze with Transunion both over the phone & internet. This company refused to assist me in anyway to expedite the unfreezing of my credit report. I was told to submit a copy of my driver 's license & a bill with my address on it & they might look into it in 5 days. Both XXXX & XXXX   provided the unfreezing of my account without this extreme vetting of my identity. There is no legal reason for Transunion to refuse to unfreeze the account without vetting my identity when both XXXX & XXXX had no problem assisting me either over the phone or over the internet.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I am writing to ask you to institute litigation against US Bank to force them to stop engaging in a deceptive practice, which enriches them and defrauds numerous consumers.

US Bank CSRs ( Customer Service Representatives ) are trained to tell customers that they can buy gift cards using the XXXX Altitude card, without fear of having their accounts shut down or other adverse actions. 
In fact, this advice is not true. 
US Bank shut down my account for that reason, and, according to media reports, their officials freely admit that it is their policy to shut down accounts fo this reason. 
By training CSRs to tell consumers that there is no problem, US Bank acquires more market share, by closing the accounts, they avoid making large payments on gift card purchases at XXXX XXXX stores using XXXX XXXX  and other similar wallets. 
Such payments get XXXX  % back, redeemable for travel at XXXX XXXX %. 
I understand large companies move slowly, so I have given US Bank several years to correct this fraudulent practice. 
However, they have not. 
The following are tape recorded conversations where US Bank trained CSRs told me that there is no risk at all of an account shutdown for buying very large amounts of gift cards : XX/XX/XXXX XXXX XXXX XXXX  XXXX call center ( sp? ) " altitude cards will absolutely not be closed due to buying gift cards '' XXXX XXXX XXXX XXXX de XXXX XXXX if you buy several thousand in Gift Cards, your XXXX  Altitude will absolutely not be closed '' XX/XX/XXXX XXXX XXXX XXXX absolutelyutely sure Altitude card will not be closed for buying large amounts of gift cards '' There are several others which I did not take notes on, but where the message was the same.

But, don't take my word for it, call any CSR and see if they tell you the same thing.

I reported this problem to several US Bank representatives one several years.

No corrective action was taken, which is ironic for a bank whose ads prominently feature them being named one of the world 's most ethical banks.

One of the representatives I reported this to was XXXX, at XXXX XXXX XXXX XXXX. 
I believe a fair resolution of this would be for US Bank to offer to reopen all XXXX  cards cards closed for buying large amounts ts of gift cards, and to document to the CFPB that they have instituted a training program to avoid their CSRs misinforming consumers in the future.

The issue is not whether US Bank has a right to close any card for any reason ( which they do ), the issue is whether they are4 allowed by the CFPB to profit from training employees to give an attractive but untrue message to consumers.

I am going to hold off on contacting a lawyer to pursue a class action, until I see if the CFPB chooses to allow US Bank to continue with this deceptive practice.

Please feel free to contact me for further information, including the specifics of my closed account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed XXXX XXXX XXXX  on XXXX XXXX. I am currently in XXXX XXXX. The company XXXX is currently updating remarks on my credit report and which I was told no one is supposed to be communicating with me or my credit status. This is a violation of my rights under XXXX. I would like to have the account or negative information removed immediately.
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tromberg, Morris & Parnters, PLLC (NY)

keep receiving mail fro, attorney office re debt from at least 9 or 10 yrs ago original debtor was XXXX XXXX XXXX for a XXXX XXXX XXXX that was repo and sold at auction. The creditor filed a claim in XXXX XXXX civil court and my salary was garnished. I went to court and had the interest vacated and the account was settled and removed from my credit report per the decision of the judge. This took place in XXXX when i started working for XXXX XXXX. i have repeatedly faxed the law office my response and the get more letters saying i have 30 days to respond.