davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (DC)

I called TRANSUNION ( on this day and the time you did ) reporting inaccurate information from alleged creditor name by XXXX XXXX  XXXX. The alleged creditor XXXX XXXX XXXX  is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXXXXXX XXXX XXXX. TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (LA)

I have been attempting to move IRA funds from JP Morgan to XXXX since XX/XX/2022. JP Morgan is requiring a XXXX XXXX on the 1035 Exchange / Rollover / Transfer Form, which they say can be provided by my bank, which also happens to be JP Morgan Chase. Chase refuses to issue the XXXX XXXX on my paperwork. I am an insurance agent and can sell annuities, so I am attempting to move some of my funds to an annuity I have written for myself through XXXX. Chase tells me that since I am the annuitant, the annuity owner, and the annuity producer, they are not able to issue a XXXX XXXX  signature on my transfer paperwork. Given this is a requirement from their own company, and will not comply with their own request, they are essentially holding my funds hostage. I have filed a complaint twice with Chase as well as gone to the local branch to attempt resolution and nothing has worked. I was told there was nothing they could do and to attempt to get the signature from another bank. Other banks don't have a relationship with me or know who I am.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (PA)

On XX/XX/2022 I opened an Online Savings and Money Market account with Discover Bank after receiving an offer via my credit card ( also with Discover ) for a quite high APR on the account. 

The account opening process went well, but when I tried to fund the account using my external bank account with XXXX the system locked me out and forced me to contact Discover for assistance. Discover 's customer service truly leaves a lot to be desired despite their constant reminders that " they're rated # 1and US based ''. 

After speaking to several people- all o whom gave me a different story - my account STILL hadn't been unlocked AND I was informed that XXXX is not an " allowed '' bank for me to send/receive money from. I asked who these magnificent banks are that are " allowed '' to be used to fund an account or transfer funds to, but the representatives were unable to answer that question. They were also unable to answer any question with a straight answer. 

The account remains open and Discover emails me constantly telling me I must fund the account, however they still have my online access suspended and apparently my primary bank - XXXX - is not to be trusted according to their rocket scientist customer service agents. I requested a supervisor call back, but - not surprisingly - did not receive one. Discover Bank SHOULD NOT be allowed to conduct banking operations if their representatives are so grossly incompetent and misinformed.
Consumer complaint received 2019-10-22
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in XXXX  they have stopped to show my car and are not showing my capital one car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (MS)

ON XX/XX/2022 I MAILED LETTERS TO EXPERIAN, XXXX, AND XXXX LETTING THEM KNOW THEY ARE IN VIOLATION OF HIPPA LAWS. I ASKED THEM TO PLEASE PROVIDE ME WITH A WRITTEN CONSENT BEARING MY SIGNTURE, GIVE YOU PERMISSION TO FURNIS THIS INFORMATION TO MY CONSUMER REPORT. THEY HAVE FAILED TO PROVIDE ME WITH ANY INFORMATION ABOUT THESE ACCOUNTS.
Consumer complaint received 2021-06-16
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. (UT)

I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX XXXX  XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to Experian, XXXX  and, XXXX  with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America Master Card charged a {$25.00} late fee and {$8.00} interest charge for the XX/XX/2020 billing period. 
The United States postal service was extremely slow during this period, as is very common knowledge. Their bill was received late and the payment was also likely delayed. 
My payment did show up on the XXXX invoice, so the payment was not so late. Charging late fees and interest when everyone knows the mails are running slow is in itself a scam. 

XXXX, North Carolina XXXX
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (IL)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2021-02-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well as a defamation of character. I, the consumer never gave written consent or was consent received from a court of competent jurisdiction to have my personal identifying information be shared to these third parties ( credit bureaus ). I the living man have all power above these companies and demand my request be honored. I am the CREDITOR as it is my credit and energy that funds any consumer credit transaction. I am NOT a borrower. I AM the lender. In addition lender and borrower are not defined Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report and Per 15 US Code 1692b ( 2 ) - May not state that such consumer owes any debt This is my written instructions for the credit bureaus to remove ANY negative items from my report so that I the consumer may continue in commerce with barrier. The items are as follows Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All hard and soft inquiries XXXX XXXX XXXX should be the ONLY name listed XXXX XXXX XXXX XXXX should be the ONLY address listed
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MO)

I have a deferred interest Wells Fargo Credit Card I used 18 months ago to purchase new windows for my house. I was very careful to make sure I paid off by the due date to avoid the large interest payment. All of the payments were done with autopay until a month before the last payment was due, I personally called and told the representative I wanted to pay off my card. I made it clear I wanted to pay it off early so there was no chance I would get the large penalty. She took my bank info and gave me a confirmation number that the payment was applied and when I asked, she assured me the card was at a XXXX balance and I had in fact paid off the balance to avoid the large interest payment. 

A month later, I get a statement telling me I owe nearly {$2000.00} in interest. I was shocked and called them right away. I spent 2 hours on the phone with various reps and supervisors. They told me that apparently the last payment didn't go through because there was a transposed or missing number in the bank account number. Although I was never contacted and told this! I reminded them that I had done auto pay for 17 months and Wells Fargo had no problem accessing my bank account for all of those payments! I told them the confirmation number I received when I made the last payment but I was told that this is not confirmation that the payment went through. They offered to reduce the interest fee by 75 %. Not acceptable to me.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (PA)

In XXXX My loan was paid up to date after being behind for years. I'd asked when it would report to credit agencies and was told by the end of the month. By XXXX still nothing so I called back and was told they are reviewing now and will determine in 5 days when they can report. XXXX. Still nothing. So I called back and was told since I filed for bankruptcy in 2016 I needed an reaffirmation agreement completed in order for them to report to credit agencies. It didn't make much sense since I read mortgage companies are still responsible for reporting payments without this agreement.so I called back and was connected to another department that stated they are working on reporting my information now and should be on credit report soon. Still nothing. Then I get a letter today that states they have received my inquiry after careful review we have determined that the information is accurate as we are required by federal law to accurately report information contained in our records. We are unable to accommodate you request.if I can provide documentation that shows the account information on record is incorrect we can correct any inaccurate information within our system. All I wanted was my payments reported And they are not. So I called for clarification. The first rep was nice looked at my account and transferred me to another department but my call was disconnected so I called back. The second rep was so combative and put me on hold for 35 mins only to co.e back on to ask me to continue to hold. So I asked to be transfered. She said only if they are able to help you. ( then if they were not why was she holding ingredients on so long to speak ) anyway she put me back on hold and immediately came back and said I have someone to speak with you now. This woman asked me my name and quickly went to you filed for bankruptcy in 2016 and my reaffirmation agreement is for the wrong bankruptcy. I only ever had one bankruptcy XXXX and that was in 2016. She didn't want to explain just quickly get me off the phone. This is not asking for Mars to fit in my living room, just report my payments. Am I wrong.?
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (HI)

1. Ally Bank 2. Date of false reporting starts almost 4 years ( XXXX, XXXX ). Its still reoccurring to this day. 
3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since XXXX isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at ally. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, ally bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by XXXX. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there XXXX  off in first place. Im sending with this report my bank statement who issued check directly to ally bank. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that ally received check.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Re-opening CFPB case XXXX which is tied to Wells Fargo case XXXX. 

On XX/XX/23, I filed a claim with Wells Fargo to dispute fraudulent transactions from XXXX, XXXX. There were 9 transactions in total and the full amount on the claim was {$4400.00}. These transactions appear to have been made on XX/XX/23 and XX/XX/23. The claim closed XX/XX/23 and sided with the businesses. I called the claims department to ask what these transactions were and how they validated they were appropriately authorized. Wells Fargo deemed that these transactions were authorized by stating that, " the card was present and the chip was used. '' Additionally, I was never contacted by Wells Fargo during this investigation period to provide additional evidence or assistance in the claim review process. Transactions : XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$530.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$200.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$420.00} If these claims were authorized by my card then Id like to file this claim as fraudulent charges/transactions rather than unknown transactions. A card being present and chip used is not a sufficient conclusion to a fraudulent transaction as a card can be held by someone else, such as bartender holding on to a card for a tab, for example.
Consumer complaint received 2019-10-22
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: EQUIFAX, INC. (MI)

XXXX XXXX keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in Equifax they have stopped to show my car and are not showing my XXXX   XXXX car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.
Consumer complaint received 2022-09-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Mercedes Benz Financial Services (CT)

On XX/XX/2022 my balance was overdue and I asked for a deferral that would cover the months of XX/XX/2022 and XX/XX/2022 in which I explained financial hardship from during those times. I was told if I pay a deferral fee of {$200.00} then my application would be processed and balance back up to date. My regular monthly payment of {$690.00} would not be due until XX/XX/2022. 
Although I made several attempts to pay the deferral fee in which I've never heard of before my payment was being blocked via online portal. On XX/XX/2022 I called to enlighten the company that my payment was being blocked and I was told not to worry and just pay the {$690.00} due by the end of the month to remain current. So I made a payment arrangement that day to do so. On XX/XX/2022 my vehicle was repossessed approx. XXXX XXXX  and I could not locate my car for two days. Police had no reports of tows and the company said the system showed no repo. The police told me to report it stolen because by law a repo is to be reported within 4-6 hours. After calling again on XX/XX/2022 I was told they have the car and I only have 5 days to pay repo fees of {$550.00} plus personal property fees of {$1300.00} & owed balance to retrieve it before it is sold on the XXXX day ( XX/XX/2022 ). I asked to speak to someone else and I was told there was no one else available. I let the redemption specialist know my vehicle was taken before the due date and my payments were being blocked via portal on their website. She said too bad, you should find another way to pay us and hung up on me. No options were given and I was told if I try to retrieve my belongings I would be in legal trouble.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I have an item on my credit report XXXXXXXX XXXX  XXXX XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is.