davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (NY)

Good afternoon! In XXXX of XXXX I took out a vehicle loan with XXXX XXXX XXXX. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on XXXX XXXX XXXX 's end as it was closing out the account. I reached out to XXXX XXXX Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document XXXX XXXX XXXX sent me in XX/XX/XXXX. 

Upon going through my credit report in XX/XX/XXXX, I saw on one of my three reports ( Experian ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other two credit reporting bureaus were annotated correctly. I sent a dispute through Experian. Because it had been almost five years, I did not quickly have access to the correspondence with XXXX XXXX XXXX, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email XXXX XXXX XXXX sent me outlining the delinquency would be removed, and have since updated Experian with this information. 

In the meantime, XXXX XXXX XXXX has incorrectly told Experian the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost five years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time. 

I've since furnished the email to Experian so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit report.
Consumer complaint received 2023-01-09
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. (IN)

In accordance with the fair credit reporting act XXXX account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DC)

My best friend of 30 years left me a payable-upon-death account. XXXX XXXX  on XX/XX/2022. Wells Fargo placed over XXXX in my checking account in XX/XX/2022. This money represented the amount payable to me in the payable-upon-death account. Six months later, in XX/XX/2022, they took the money from my savings account without any notice to me. 

I had relied on that money for six months. During that time, I spent some of the money on a new home in reliance on that money. 

Wells Fargo 's position is that this money was taken away from me pursuant to a request from the Department of Treasury, and that I " should call the Department of Treasury ''. 
It is fundamentally unfair for Wells Fargo to let me rely on this money for six months and then take it out of my account without notice. They will not do anything to take responsibility for their mistake.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts is being reported inaccurately.
Consumer complaint received 2023-01-09
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. (SC)

I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals OfficeXXXX XXXX XXXX XXXX and Federal Trade Commission.
Consumer complaint received 2023-01-09
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. (SC)

I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc (TN)

XX/XX/2020 my husband XXXX XXXX had an accident. The insurance had lapsed and the vehicle is registered to both of us. There was a claim with XXXX which resulted in the loss of his drivers license. I had the vehicle parked and wasnt driving it. I wasnt around when the incident occurred. In Tennessee there is a statue of limitations. XXXX didnt come for me but my husband. I spoke with an agent from National Service Bureau. She asked to speak with my husband I let her know that he wasnt available and we dont live together as were going through divorce. She told me that they were going to suspend my drivers license if I didnt pay. She said if I did pay she could send some documents so I can show a gesture of good faith preventing them from suspending my license. This is a debt collection agency and they threatened to do something that legally they cant do.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

In late 2022, our home mortgage was sold to a new company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/2022 I registered for a new account with RoundPoint and received a confirmation that my account was set up, and I was able to pay my mortgage online in XX/XX/2022. 

Starting in XX/XX/2022, the site no longer recognized my password. I attempted to reset it and have a password update link emailed to the email on file, but the reset links never arrived in my inbox. Since XX/XX/2022, I've emailed RoundPoint numerous times, asking for help in resetting my password so that I can access my account information. I never receive a personalized response. Each time, I receive an automated email response saying that they've reset my password and providing a new one, but each time I attempt to use the new password, it isn't valid. 

If you try to call RoundPoint 's customer service phone number, it's impossible to reach a human being to receive help. I've tried numerous times to navigate the automated touchtone phone menu, but each time I receive automated information. 

The only way I can pay my mortgage other than mailing a check, which I'm not comfortable with, is to use their pay-by-phone automated system, which is time-consuming and not customer-friendly. 

I would like to lodge a complaint against RoundPoint for shutting me out of my account and refusing to speak with me about my mortgage account access issues
Consumer complaint received 2019-02-16
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: JPMORGAN CHASE & CO. (MS)

Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to chase saying it was their fault and to please remove from my credit chase removed it from XXXX  but did not from XXXX or XXXX I disputed it with both and they will not remove it. Traded vehicle XX/XX/XXXX disputed XX/XX/XXXX. This was not my fault and it should be removed.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (SC)

I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2022, I made a withdrawal of {$31000.00} from my XXXX XXXX XXXX account to my bank account with XXXX XXXX  XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase XXXX bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. ) ***** I already left this message earlier. an employee called me, but later I could not contact him at the number he provided ( no beeps ). I ask you to give a response to this appeal in writing to my mail ( XXXX ) or contact me at the phone number that I will indicate in this appeal. ( XXXX XXXX XXXX XXXX ). Thank you. 
*****
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (OK)

Hello, I am reporting Charles Schwab for insufficient account opening requirements regard XXXX  and XXXX  that have result in several ( XXXX as of today ) bank accounts being fraudulently opened using my information. I have contacted the company twice to be told that they do not require anything beyond my ssn, XXXX, and name. On this recent contact on XX/XX/XXXX, I spoke with the security team. She advised me I could not speak to fraud or identity theft. And she confirmed no documentation was provided such as DL number or photo id. I asked for them to block further accounts being opened to which they said they could not. I continue to receive consistent statements, letters, and debt letters on the fraud accounts even after I reported it to the company. 

I do not feel that this financial institution is aligned with XXXX and XXXX  requirements regarding account opening or addressing fraud.
Consumer complaint received 2023-01-09
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. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 16688 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within XXXX
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

This is my XXXX time complaining again in cfpb for my citi bank closed account full fund not received. Suddenly citi bank closed my account without letting me know the reason and giving me my fund. They XXXX  me a lot with my money. After claiming in cfpd first XXXX times, they gave me half potion of my money. I had XXXX on my account but they only gave me XXXX but rest XXXX they never gave it back to me. Everytime i call them they never gave me correct information and everytime i call them they make me wait XXXX hours and hang up on me. Last time I claimed at cfpd, citi bank contact me and told me they think XXXX} doesn't belongs to me and they will give that money to XXXX. I have tried to contact XXXX so many times, the informed me they never received any money from the citi bank. Those money I got it from unemployment in XXXX time. All I want my full money back from citi bank, which is XXXX. I have started XXXX college and I'm paying out of pocket XXXX for my college. I didn't get any fedaral help or scholarship. I really need to get my money back from citi bank. They need to tell me where is my XXXX because they never gave me right information.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/XXXX please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX-XXXX,XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX XXXX # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on my credit report.
Consumer complaint received 2023-01-09
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. (AL)

I did not file this complaint in error nor am I being represented by a XXXX party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request lying saying they didn't get mail and continue to Violate me under US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate 15 U.S Code 1681e ( b ) - Compliance procedures maximum possible accuracy and clearly several inaccuracies Delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX