davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXBalance {$0.00} XXXXBalance {$83.00} XXXX  XXXX XXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$990.00} XXXXBalance {$960.00}
Consumer complaint received 2022-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset 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 instruction of the consumer to whom it relates. I did not give Capital one permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as two transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( Capital one ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore Capital one is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ND)

On XX/XX/XXXX, I received a text from what I believed was the Wells Fargo fraud department. It asked me if I authorized XXXX charges, XXXX for {$1000.00} and another for {$700.00}. I replied no. I received another text from the " fraud department '' saying they would contact me. This same process was actually used on XXXX different occasions approximately 15 years ago when my account information was obtained through an ATM and my account was used fraudulently. After speaking to the " representative '' they had advised me I needed to send the money back from XXXX which is run by XXXX XXXX  back to myself. The {$1000.00} was intended to be sent back into my account, the transaction even says my name, but once the transaction was complete I was disconnected. The money was not intended for anyone other than myself. I went to bed that evening thinking nothing of it because after all I had believed it was Wells Fargo ; until the next morning. On XX/XX/XXXX I called Wells Fargo XXXX  department where they led me to believe I was getting my money back within 10 business days. On the XXXX day, XX/XX/XXXX,, I called to where they informed me the case was closed because the scammers bank refused to return the money. They had closed my claim without even informing me! To alot of people {$1000.00} isn't much, to me it is. I have XXXX children and I work hard to save any money. I was led to believe I was protected by Wells Fargo online fraud protection. According to Wells Farg, this is not the case because it was through XXXX which Wells Fargo partners with. Apparently, after much research, Wells Fargo has returned some consumers money but not others. Those individuals they have returned the money to have had to seek outside help such as news stations and online sources. Wells Fargo has not and is not treating this situation with fairness to the consumer. I would appreciate the return of the {$1000.00} that was taken from my account.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

My mortgage was purchased by Suntrust Bank in XXXX. I was not given account information in time to make payments for XXXX. The previous bank took bi weekly pmts from my account since I was paid this way. Suntrust would accept my payments then return them after I was told the account would be current. In XXXX I sent 2 payments told it would bring me current then payments were returned. Then I sent XXXX payment in XXXX they were once again returned. Then In XXXX I sent 3 payments that were received on XXXX. I once again spoke to a rep and told them that I would sent another payment which was recieved on XXXX. I was told by the bank rep on XXXX that the account was not fine. Yesterday I received a check back for 1 payment. I am now on the phone with the bank and am being told they are now returning 3 payments back to me!! 

This is extremely frustrating they are ruining my credit. This is unfair that a bank would do this to a consumer that is trying to bring the account current. I feel they want me to foreclose on this property. I have asked the bank to put this is writting to me and they refuse.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX a Amazon credit card was opened under Synchrony bank purchases made Of XXXX + XXXX XXXX. Two of these purchases were gift cards which were XXXX and {$170.00} Store items were bought XXXX XXXX 
I reached out to XXXX  XXXX explain to them I did not purchase these items and I did not wish for them to be delivered to my address I also reached out to US post office for them to send items back to XXXX  XXXX once they received. tracking numbers were given to them also made a fraud report to US post office. Got ahold of synchrony bank and made a fraud report and was told credit card was closed. Made a call to all three credit bureaus to make a report.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

My checking account was closed with chime but there were some refund deposits made on the account. I emailed their team about a XXXX refund & I had gotten word from XXXX - a Senior Finance Director at the XXXX. She specifically told me that she reversed the item on XX/XX/2023. Its been over several months and I have not heard from chime at all. My debit card for chime is not working because they closed my account. And I can not understand why I have not received my money back. They stated they send funds left to closed accounts after 30 days but they sent me an email saying that I was not eligible for my own money. 

They even emailed me saying the money has been put back into my checking account, please look at the uploaded a document saying the {$230.00} has been reflected! Then I got a email saying I was not eligible for it! 

Additionally they went back on their word twice. I received a email from them over two months ago saying I would have access to the {$230.00} but theres no way of receiving it/using it because my debit card is not active and my account is out of my control. Then they said I was not eligible because they closed my account and also never gave me a reason. There was also money left in my account as well just in my checking account that they are refusing to give me. 

Please help!
Consumer complaint received 2021-11-29
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: LEXISNEXIS (CA)

I sent a follow up on a previous dispute for a dismissed bankruptcy thats was part of a fraudulent dispute with XXXX. 
LexisNexis had removed the Bankruptcy from my credit file XX/XX/XXXX case number XXXX. LexisNexis sent me paperwork showing the Bankruptcy was removed from their data base. I sent that letter to XXXX showing they had deleted and removed it. 
According to XXXX after receiving the letter I mailed to them certified showing the deletion. They did a re-investigation and sent me back the results. Saying they certified that LexisNexis is still reporting the Bankruptcy exist. 
So I called LexisNexis on XX/XX/XXXX and the representative at LexisNexis pulled up my file and emphatically said there nothing in the file showing a Bankruptcy in their data base. 
Under The FCRA stated on LexisNexis paperwork they sent to me XX/XX/XXXX case XXXX. It states you have the right to : REQUEST THAT LEXISNEXIS FURNISH NOTIFICATION OF THE DELETION OF DISPUTED INFORMATION OR A DISPUTE STATEMENT TO ANY PERSON SPECIFICALLY DESIGNATED BY YOU WHI HAS RECEIVED A LEXISNEXIS CONSUMER REPORT FOR EMPLOYMENT PURPOSES WITHIN THE PAST TWO YESRS, OR RECEIVED A LEXISNEXIS CONSUMER REPORT FOR ANY ORHER PURPOSE IN THE PAST XXXX MONTHS. 

So I sent LexisNexis a letter asking them to furnish XXXX notification that the bankruptcy was deleted and removed from their data based along with any other company that has requested a report or verification of this deleted Bankruptcy. 
The rep told me they dont do that. They have no way of sending a report to anyone showing it was removed. This is a violation under the Fair Credit Reporting Act. They are not honoring their own policy regarding what they state on there paperwork. Which I highlighted clear as day on the paperwork they sent me. 
XXXX and LexisNexis are breaking the law, and are violating my rights. 

I am enclosing the letter I sent to LexisNexis requesting they inform XXXX and any other company requesting my information of the deletion. Also the letter they sent me saying the Bankruptcy was dismissed. 

I will also be filing a complaint with the FTC and the Attorney General Office and the XXXX. Letting them know that LexisNexis and XXXX are not following there own policy under the FCRA. 

Last but not least I was on the phone with experian on XX/XX/XXXX for XXXX  minutes with the fraud department. Their representative told me even though they had the letter I sent them from LexisNexis stating the bankruptcy was removed. They were not honoring it. After another re-investigation, they certified that they have verified with LexisNexis that it still exist in their data base.
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (SC)

Today XX/XX/21 upon checking credit, i see a new collections on my profile from SPRING OAKS CAPITAL LLC for XXXX XXXX XXXX. Which i never had before nor inquired about. Already made a complaint with XXXX. Tried calling them & they wont answer.
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (NM)

On XX/XX/2021 there was a fraudulent transaction from a merchant that called showed on my bank statement by the name of XXXX, in the amount of {$190.00}. Along with several other fraudulent transactions that had been made on my account, dating back a month before, all from the same or similar fake named merchants, and all of them for the same amount of {$190.00}, all together totaling {$790.00}. As soon as I noticed the transactions on my account, I attempted to reach the merchant or whoever they were via the phone number on the bank statement, all to no avail. The numbers were either disconnected, or were recordings that would just hang up on me. So I tried to call my bank, and after waiting on hold for hours, on XX/XX/2021, I was able to finally talk to someone and let them know about these mysterious transactions. I had explained to them that I had no idea who or what the transactions were from. And that I had not purchased anything for those amounts. They said they would do an investigation to find out and after I had to send them a hand written statement stating that those transactions were fraudulent, they finally accredited my account for the {$790.00}, as a provisional credit. It took a little over 2 months for them to finally get done with " the investigation '', and we finally got letter from the bank on XX/XX/2021, saying that ended up denying my request! And that they were going to take back the provisional credit that they had put in my account, and that if the money wasn't in the account that I would be responsible for the money owed to them! They said that they some how got printouts from the fake merchant showing that I had made at least one of the transactions. Even though the phone number on the paperwork for that fraudulent business or merchant, was disconnected! Some how they got ahold of them even though it was all a fraud!?! I want to know how they even got in touch with the merchant in the first place to get those bogus printouts!
Consumer complaint received 2022-03-09
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. (CT)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT XXXX
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NY)

I have been a BMW customer for over XXXX  years with no late or missed payments. I was in the process of leasing my XXXX bmw and each time more expensive. This payment was agreed to be XXXX with the agreed terms that I will return the current lease and all lease end charges for that car will be negated since I am leasing a new 2021 car from them that is more expensive than the one I am returning. They agreed that this deal was fair. I signed the paperwork and I was on my way. 

A few months later I get a statement for {$1000.00} dollars for the car I have returned and was told that I must pay this lease end payment. This was completely incorrect and not the deal that was made with BMW when I signed a new car lease. After multiple back and forth with them they decided to proceed with harassing me to pay this lease end payment. When I asked for paper proof of the statement they sent me a letter ( attached below ) and the amount was for {$680.00} dollars. Once again their financial services account says {$1000.00} and the paper statement from bmw financial services says {$680.00}. They are sending misinformation and providing me different amounts to pay. I am worried about my future and my credit score/report. I have always paid my bills and do pay my bills on time. I have never missed a payment to BMW financial services or any other credit card company. They are trying to XXXX my reputation as a good citizen and paying my bills. Please assist me in removing this from my report. I do not deserve this as a customer and as a citizen of this country.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (NV)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek XXXX.
Consumer complaint received 2021-11-29
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On Friday, XX/XX/2023, I was attempting to transfer {$1400.00} from my checking account at USAA into my savings account. I accidentally transferred it to an account owned by XXXX XXXXXXXX XXXX which had not been used in 10 years. I called USAA as soon as the mistake was made and they opened a dispute. I received a letter stating that they attempted to contact XXXX XXXX and retrieve the funds and had been unable to do so. I explained that I currently lived in Alabama and no services had been rendered so I needed the money, which was my XXXX XXXX disbursement to be returned. USAA said there was nothing they could do at this time. The letter states to contact the person and request a refund but I have no updated contact information and have been unable to contact her on social media.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed XXXX XXXX Bankruptcy in XXXX of XXXX. I was assigned a XXXX payment plan with my trustee to which I successfully completed in XXXX of XXXX. My Discharge notice was filed on XX/XX/XXXX and the Ordering Closing was finalized on XX/XX/XXXX. A Bankruptcy type can either be discharged or dismissed. The difference with these types are what require either a 24 month or 48 month waiting period when applying for a conventional loan. Due to TransUnion reporting my Bankruptcy type inaccurately it is not allowing me to purchase my dream home with a conventional loan to eliminate paying PMI.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Consumer complaint received 2021-11-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Experian removed XXXX open installment accounts ( auto loan /personal loan ) from my credit bureau XXXX are active, open and paid on time. Experian do not provide accurate date of first delinquent payment for removal of derogatory account ( XXXX ). Experian, XXXX XXXX XXXX did not verify late payments in each dispute submit to data furnisher. The XXXX credit reporting agencies does report XXXX separate late payments without validation. Experian, XXXX XXXX, XXXX will not provide me with verification methods to support required accurate or complete data to validate inaccurate late payments. Experian, XXXX XXXX, XXXX ignored my rights to have/see the complete re-verification method requested. On each separate dispute that involved several derogatory credit reports that cause me distress and headaches every day affect my personal life balance, credit well-being are immediately impacting my home ownership abilities the right to a quality of life cause damage to manage my personal and business credit.