davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: Synovus Bank (CA)

I recently received a copy of my ( XXXX, XXXX AND XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account number XXXXXXXX XXXX XXXXXXXX. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX XXXX XXXX and the person [ XXXX XXXX XXXX XXXX Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( XXXX XXXX ) and the person ( YOU ) [ XXXX XXXXXXXX XXXX  ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account [ ACCOUNT NUMBER XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2020-05-04
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2023-01-11
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. (NJ)

XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (TN)

US Bank and Elan Financial Services have created a website that does not work, and they also have a phone system that transfers victims ( customers ) through countless departments, on-hold time wasters, and people who can not do everything needed ... resulting in more transfers. It's like, seriously, does US Bank or Elan Financial Services PAY people to create the most burdensome XXXX XXXX customer service procedure so victims just give up and throw away their joke reward debit card? Unbelievable a bank in the USA would treat victims this way.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Commencing on or about XX/XX/2016, I fell victim to a multilayered scam operation orchestrated by XXXX trader platform with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via credit in the total amount of XXXXUSD utilizing your services by XXXX XXXX and XXXX, XXXX USD by XXXX XXXX .
Consumer complaint received 2023-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Hello. I requested a two-month suspension on my home mortgage from Wells Fargo after contacting them at the end of XXXX, over the phone. I was told I was eligible for forbearance for my XXXX and XXXX payments and to call back mid-XXXX  to request a deferment/extension of my loan. 

XX/XX/20 : I tried to request deferment through the Wells Fargo automated phone service and was given a response that I would be contacted within 7-10 days to set up. 

XX/XX/20 : I received my statement with a note that my mortgage payments were suspended " for a period of time ''. 

XX/XX/20 : I called XXXX and was left on hold for over 40 minutes until I had to leave the call. 

XX/XX/20 - I sent two emails through the Wells Fargo website asking for instructions and/or help on requesting a deferment. No replies were received. 

XX/XX/20 : I called XXXX - After an hour on hold my call was picked up. Over the phone with the representative I set up a deferment for XXXX, XXXX, and XXXX, but I was told no written information could be sent to me about the agreement, through a letter or email. So the company will not provide any information that I can read or keep for my records explaining the changes to my loan payment. 
Supposedly the representative will enter " log codes '' on XX/XX/20 that will start the forbearance and I will start making regular payments starting for XXXX.
Consumer complaint received 2022-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

This company calls me endlessly and just hangs up. The one time someone actually spoke, I asked why they keep calling and hanging up and the guy just said it was about some debt and started asking a bunch of personal information ( which I didn't to provide ) before he would tell me anything else. Since I do not owe any company any money, this is clearly false and this company needs to stop harassing me at all hours.
Consumer complaint received 2023-01-11
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. (CA)

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. 

XXXX XXXX : Acct # : XXXX XXXX XXXX : Acct # : XXXX XXXX XXXX XXXX : Acct # : XXXX CITI XXXX : Acct XXXX : XXXX XXXX : Acct # XXXX XXXX XXXX  : Acct # : ( XXXX ) XXXX XXXX : Acct # : ( XXXX ) XXXX XXXX XXXX : Acct # : ( XXXX ) XXXX XXXX  XXXX Acct # : ( XXXX ) XXXX - XXXX XXXX KS : Acct # : XXXX XXXX XXXX XXXX : Acct XXXX : XXXX XXXX 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.
Consumer complaint received 2023-06-20
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. (WA)

There is a Personal Joint Loan for XXXX some dollars that I have no knowledge of. This loan could be in connection with my ex husband, XXXX XXXX XXXX XXXX, XXXX. 
After XXXX XXXX XXXX XXXX in XXXX I left XXXX and fled to XXXX XXXXXXXX. After he served his sentence we were divorced in XXXX. My residence was and still is XXXX when this loan was secured 14 years ago I did not sign anything committing to this loan. Please remove this loan from my credit profile as it isn't mine. 
I can find XXXX ssn if needed. Former possibly current address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Or XXXX XXXXXXXX, XXXX, XXXX Thank you!
Consumer complaint received 2023-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (FL)

My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXX XXXX, & trying to get into a XXXX XXXX XXXX as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my XXXX small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,
Consumer complaint received 2023-06-20
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. (GA)

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, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is 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 prove my case
Consumer complaint received 2022-08-06
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. (FL)

Experian has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that Experian has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title XXXX chapter XXXX. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, Experian is operating as a financial institution based off of the relationship that they have with financial institutions. 
Experian has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. Experian did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been in good standing with bank of america since I opened my account. But I went to the Bank of America ATM in my town that I have used for years and I deposited XXXX dollars in cash ( on XX/XX/2020 ),  when I inserted the money the ATM took it and froze. It was loading for several minutes then comes back saying there's an error to call the 1800 number. So I called as soon as the customer care center was open and they told me that my account is pending closure only due to the fact that the atm counted the money wrong and it showed an incorrect amount for the bills given. Due to this glitch at the atm I am now unable to access the money that was already in my account before this incident which was over {$300.00} and now I can not access the {$800.00} cash that i deposited. I have been on the phone over 6 different times the first two times a claim was never filed and they told me to wait for a letter regarding the situation. I never received a call so I called with bank of america to expedite their claim on XX/XX/XXXX which should've been filed the first two times I called and asked. Bank of america claims they need to look into the atm records and get the correct amount that i deposited. They then denied my claim to expedite this twice. Keep in mind I deposited this cash in order to pay my car payment and car insurance and now my bills are past due because of bank of Americas lack of customer service and not filing a claim the first 2 times I called. All they told me was I'm sorry it didn't get filed call your bill companies and tell them it will be late. I was told on the XXXX of XXXX that the account will be closed on XX/XX/XXXX ( Over 3 weeks since this whole mess started ) due to the atm issue and I can get a check for the {$1100.00} in my account ( previous balance and deposited money ) once it is closed by the end of that business day. It is now currently XX/XX/XXXX and I called to see if my check has been mailed like they told me it would and they told me my account is still pending closure and they pushed the date back now until XX/XX/XXXX. So I'm supposed to go a month without the {$1100.00} dollars because Bank of Americas atm glitched and because the customer service failed to do their part and file claims the first times I called. I have rent due on the first and they told me they can not do anything about the money. This is just wrong that I am out {$1100.00} because of their mistakes and I have to be extremely late on my car payment, insurance payment and now my rent. This is going to effect my credit score all because of their mistake. I never even received any letters from bank of america about the closing of my account or proof of claims filed even after I asked for it, they told me everything is paperless and they have the records in their system.
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NQM Funding, LLC (FL)

We started working with XXXX XXXX from Mortgage of Florida, NP, Inc around late XXXX. 
On XX/XX/XXXX My husband and seller signed a contract and We transferred an agreed $ XXXX deposit. 
We immediately started working with Mr XXXX and on more or less XXXX XXXX I became a party to the application. They pulled my credit which was acceptable at the time for an fha loan according to the loan officer and the pre approval letter. 
There was a situation with my husband and his accountant where he thought his taxes were filed but they werent. Once We found out they werent my husband immediately filed them. Though taxes were extended because of covid 19, loan officer told us we had to file his taxes for the fha loan. 
We provided everything immediately. Loan officer asked for more time and extending the closing dates three different times. 

Apparently with all these things with covid 19 issue we went over our effective date we wouldve had the approval. 
We were not instructed to provide a letter to terminate the contract to the seller- assuming that everything was kosher. 
At some point, the loan officer dragged his feet through the covid 19 and requesting note and more documents. 
On XX/XX/XXXX ( 10 days after our closing date ) the loan officer said something changed on my credit and they changed their guidelines and that why we didnt get approved. 


Because we were misinformed by both the loan officer and the realtor, we lost our $ XXXX deposit to the seller. We suffered tremendously with this company as we were never given answers to our questions in an appropriate manner. 

We lost all of this and time while XXXX with a XXXX year old. They left information out, didnt tell us entirely the truth, and changed their guidelines after our closing and didnt inform us until it was too late to pull from our offer. We had to give up our deposit of {$5000.00} which is not right. We are first time home buyers. We put our trust in the company.
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Sender Name : XXXX XXXX Business name : XXXX XXXX XXXX Bank : Bank of America Account number : XXXX Email used for XXXX : XXXX. 

Receiver Name : XXXX XXXX XXXX : XXXX Account number : XXXX Phone number used for XXXX : XXXX Transaction number : XXXX Amount : {$5000.00} Issue : Reversed transaction was taken out from the receivers account but not deposited to the senders account. 

On XX/XX/XXXX XXXX XXXX sent {$5000.00} to XXXX XXXX through Bank of America app using their XXXX quick pay service. XXXX XXXX received the money right away. However, after receiving the money, we decided to reverse the transaction, so XXXX XXXX called XXXXXXXX XXXX and ask them to reverse the transaction. XXXX XXXX took the money out from XXXX XXXX account and said they reversed the transaction, and that it will be deposited within 6 days. Its been almost 40 days the money is not in XXXX XXXX account. 
We contacted Bank of America and they keep telling us they did not receive the money from chase. We opened a claim, and they closed the claim saying they never received the money from XXXXXXXX XXXX Every time we call Bank of America, they give us the run around and they try to push the responsibility to XXXX. XXXX also keep telling us they already sent the money back to Bank of America and closed the claim we opened with them. 

*Please find attached XXXX XXXX bank statement from bank of America and XXXX XXXX bank statement from XXXX as evidence.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (GA)

ALLY BANK repeatedly freezes my bank account / debit card without notice. 

I am a 100 % XXXX veteran and my pension is deposited to my ally bank checking account every month. I have all of my monthly bills set to autodraft off this Ally Bank account. However, on at least 3 occasions during the past 6 months Ally Bank has frozen my bank account without notice and without the courtesy to confirm whether or not I authorized such banking transactions, the end result which affected my ability to pay my bills on time and negatively impacted my personal credit score.

This week my account was again frozen without notice or communication from Ally Bank as I only discovered my account was frozen when I attempted to buy grocery. Nonetheless, I contacted Ally Bank and their only response was that they will contact me in 1-2 business days which in this event due to the holiday it will be 7 to 10 calendar days before Ally Bank responds to my inquiry. 

Meanwhile, I am unable to pay my bills or buy grocery and medicines. 

I don't understand why Ally Bank continues to randomly freeze my bank account without notice and then expect me to wait 2 weeks before I can access my pension funds. 

At this time, I intend to notify the Department of Veterans Affairs to warn other Veterans not to bank with Ally Bank or do Business with Ally Bank so that they are not victimized as I have been by Ally Bank 's unexplainable fraudulent policies and repeated failures to notify the bank account holder that Ally Bank suspects anything fraudulent with their bank account.