davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (FL)

On XX/XX/2023 and XX/XX/2023, I made two settlement payments to settle the balance on my account. The terms would be within 30 days my credit report would reflect that the account has been settled. Its been more than 30 days, actually almost 60 days and I havent gotten any updates. Ive called the company numerous times and no one is able to help. I was told I would get a call back and have never received one. Theyve reported my account 30 days late and should not have and my credit score has decreased because of the false reporting of the accounts. Theres two accounts that are involved in my complaint.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

Case Number XXXX filed with the XXXX date : XX/XX/2023 Case Number with the XXXX : XXXX Case Number XXXX filed with the XXXX date : XXXX XXXX Case Number with the XXXX : XXXX Date : XXXX XXXX Wells Fargo has done XXXX investigations so far. Both times they have given me a temporary credit not once, but twice of {$500.00}. The bank continues to give me the run around, stating that I needed to file a police report with the local police about a situation they honestly shouldve been able to resolve on their end. Their lack of knowledge and not investigating the merchant along with asking me if the information was accurate. The bank decided upon themselves to not make sure that their information was accurate, and truthful. When this case was not investigated properly on their behalf, and now they want me to pick up where they failed to do their investigation. 
This merchant has given Wells Fargo fraudulent information, and this bank continues to give me, as the consumer the run around. When they have the manpower to have had this merchant properly investigated the first time. This is the purpose of the banks system. The current services Im receiving from XXXX are top tier, because they report to me daily on what is being done with my book. 
That is why I havent had any issues with this merchant, and the services that their freelancers are providing are great. XXXX XXXX XXXX  didnt offer that and did not report to me as they were supposed to. Wells Fargo and along with the merchant need to be held accountable for their lack of. The merchant shouldve been cooperative with the bank in refunding my money as they stated that they would. Wells Fargo shouldve made sure that those funds were being properly placed in their rightful place.
Consumer complaint received 2023-06-30
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. (TX)

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. Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX  XXXX ; Account # XXXX, XXXX XXXX  ; Account # XXXX, XXXX XXXX System ; Account # XXXX, XXXX ; Account # XXXX, XXXX ; Account # XXXX  XXXX ; Account # XXXX, XXXX  XXXX 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 an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
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: 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.

has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

XX/XX/XXXX the attorney we used in the past sent a release letter to Fay Servicing so we could talk about our account and they wont because the email was not stamp signature which they did not tell the attorney he needed to do I feel they want to take our home from us.
Consumer complaint received 2019-01-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

ACCOUNT DATE XX/XX/XXXX
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2023-06-30
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: Affirm Holdings, Inc (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-29
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. (CA)

I have contested these issues before. This is the 4th time now. I have submitted the following letters to all three bureaus. Experian XXXX and XXXX. 

I am submitting a copy of the letter sent to all three bureaus for each of the following creditors showing on my accounts. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX and XXXX XXXX. 

letters were sent on XX/XX/XXXX and XX/XX/XXXX. There were letters sent before these. I have received correspondence from Experian XXXX and XXXX with no changes to my reports To : Experian -- -XXXX  XXXX -- XXXX XXXX : XXXX XXXX -- -- XXXX XXXX  and XXXX XXXX XXXX aka XXXX and XXXX XXXX. 

I have submitted a letter stating the above collection or credit companies need to be deleted from my credit profiles. None on these agencies have sent any letter prior to placing negative information on my credit profiles which is a violation according the the Fair Credit Reporting Act. They were required to send this letter to me as a part of assuring maximum accuracy on my reports There are showing incomplete areas which to assure maximum accuracy of my report should be completely filled in as they are showing several blank spaces where open and closing dates are. ending dates and several other blank spaces which are shown on the copy of the reports I sent. ( Copy of letter enclosed ). I am requesting these companies be deleted from my profiles with experian XXXX and XXXX. XXXX XXXX is showing two different entries to make it look as if there are two different accounts. One account has XXXX  and another account has experian and XXXX. XXXX XXXX has never sent a letter prior to placing negative information on my account which is a violation. i have sent a letter to XXXX XXXX which shows two listings of 30 days late each. Please update these two listings as PAID AS AGREED never late. I have never been sent a letter prior to placing this negative information on my account. 

If i can not get this information corrected I will obtain counsel. this keeps going round and round and the information still remains on here. 
I have asked that inquiries I have not made be deleted. the only inquiry I have is XXXX XXXX. I did not make any inquiry to XXXX XXXX -- -XXXX  or any other company. I have asked that my names be corrected. My name is XXXX XXXX or XXXX XXXX XXXX. I have not gone by any other name. I have asked that addresses be corrected. I have one address. You show addresses for me at several other addresses. I am asking you for the final time to remove these addresses. I am not associated with them and do not reside and have never resided in any of them. I have been at the ramsgate address for over 25 years.
Consumer complaint received 2023-06-29
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. (CA)

I have contested these issues before. This is the 4th time now. I have submitted the following letters to all three bureaus. XXXX XXXX and Equifax. 

I am submitting a copy of the letter sent to all three bureaus for each of the following creditors showing on my accounts. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX and XXXX XXXX. 

letters were sent on XX/XX/XXXX and XX/XX/XXXX. There were letters sent before these. I have received correspondence from XXXX XXXX and Equifax with no changes to my reports To : XXXX -- -Equifax XXXX -- XXXX XXXX : XXXX XXXX  -- -- XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX and XXXX XXXX. 

I have submitted a letter stating the above collection or credit companies need to be deleted from my credit profiles. None on these agencies have sent any letter prior to placing negative information on my credit profiles which is a violation according the the Fair Credit Reporting Act. They were required to send this letter to me as a part of assuring maximum accuracy on my reports There are showing incomplete areas which to assure maximum accuracy of my report should be completely filled in as they are showing several blank spaces where open and closing dates are. ending dates and several other blank spaces which are shown on the copy of the reports I sent. ( Copy of letter enclosed ). I am requesting these companies be deleted from my profiles with experian equifax and XXXX. XXXX XXXX is showing two different entries to make it look as if there are two different accounts. One account has XXXX  and another account has experian and equifax. XXXX XXXX has never sent a letter prior to placing negative information on my account which is a violation. i have sent a letter to XXXX XXXX which shows two listings of 30 days late each. Please update these two listings as PAID AS AGREED never late. I have never been sent a letter prior to placing this negative information on my account. 

If i can not get this information corrected I will obtain counsel. this keeps going round and round and the information still remains on here. 
I have asked that inquiries I have not made be deleted. the only inquiry I have is XXXX XXXX. I did not make any inquiry to XXXX XXXX -- -XXXX  or any other company. I have asked that my names be corrected. My name is XXXX XXXX or XXXX XXXX XXXX. I have not gone by any other name. I have asked that addresses be corrected. I have one address. You show addresses for me at several other addresses. I am asking you for the final time to remove these addresses. I am not associated with them and do not reside and have never resided in any of them. I have been at the ramsgate address for over 25 years.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (NC)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXXXX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-06-29
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. (NC)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2019-08-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have asked both XXXX  and XXXX the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I was looking at my Experian and noticed there was a few errors on my file Personal Information the following is wrong XXXX XXXX XXXX, XXXX XXXX XXXX are not my names Telephone Numbers listed are no good 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 Spouse is wrong also it has nothing XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

This is an addendum to complaint ID XXXX. As I stated previously, this bank will block my access to two of my accounts that they closed. Just an FYI, they decided to close my Lowes account using same bogus reasons even though its been about a year since my last purchase on my card. 
Anyway, I made a {$100.00} payment on my XXXX XXXX XXXX card on XXXX and it stated a balance of {$370.00}, which would make my balance {$270.00}. When I logged in today to pay the balance off, it stated a balance of {$300.00}. Explain to me how my balance went from {$370.00} to {$300.00} with a payment of {$100.00} in three weeks time? My next payment was due the XXXX of XXXX. 
After my payment was made this time I logged out and then decided to log back in to take a photo as proof of what the account said. True to form I was not able to get back into either of the credit card accounts they originally closed. When I logged into the Synchrony Account Manager it took me to the Lowes account log in where, once I logged in it took me to all three accounts and I made the payment. When I logged back in to take photo evidence I could only see the Lowes account balance etc since they closed that account also. 
Can someone explain why my access was denied again? Photos will be provided of what I am saying. When looking at the photos you can see the tab is labeled Synchrony Account Manager, not just Lowes so they can not say I was not logged in correctly.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (FL)

I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that Equifafx, XXXX and XXXX are reporting these inquiries I would like them to remove them.
Consumer complaint received 2019-09-09
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. (FL)

For the past two years, I have been denied credit due to what was reported to the companies for which I applied too, and the information on my credit report ( once I received it ) wasn't what the companies reported was given to them by the credit agencies. The Credit reports came from XXXX and Experian, but there was not form to resubmit to the credit reporting agencies to inform them of what was occurring with the incorrect information. However, since that time I've been recently denied credit again, althought ; since the denial I've had unpaid hospital bills due to being put into a unpaid status unjustly at my place of employment, which probably has lead to negative issues on my report after XX/XX/2019! However, my credit score took a 100 point dive for some unknown reason prior to my unpaid medical issues recently! Nevertheless, I did receive a settlement notice from one of the credit reporting agencies that my credit information may have been compromised, which I suspect that it has been compromised with both of the agencies by the issues that I've been having over the years with my credit, after having Excellent credit for many years!!!
Consumer complaint received 2023-06-29
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: SYNCHRONY FINANCIAL (CA)

I am filing yet another complaint against Synchrony Bank, due to recurring issues. My primary concern is the lack of clarity regarding the outcomes of my previous disputes. In this complaint, I will be providing specific transaction amounts and approximate dates related to some of my disputes. Yesterday, I spoke for an hour and a half with XXXX from the dispute department. She told me that for many of the disputes that I filed, I was given provisional credits that were then overturned in favor of the merchant and rebilled to my account. Synchrony Bank neglected to inform me about these reversals, which led me to believe that I had received permanent credits. When Synchrony overturned the disputes, they rebilled me for the amounts without my knowledge. In many cases, I had re-disputed the amounts multiple times, and this is reflected on the statement they sent me. Synchrony Bank 's failure to notify me about the rebilling of these disputed amounts while allowing me to believe I had received credits is deceptive. I have contacted them on numerous occasions, and they confirmed to me many times that the disputes were resolved in my favor. However, upon reviewing the statement they provided, it is evident that many of these credits were later overturned, without my knowledge. Also, the statement they sent me doesnt include the names of the merchants nor what products or services were purchased, but I have kept some notes on this information, so I will try my best to provide you with the most accurate details I have. Some of the purchases are not even on the statement they gave me for some reason, the statement is missing a few transactions. Furthermore, I contacted Synchrony today and experienced unhelpful customer service from XXXX. He displayed no willingness to assist in resolving the issues related to my disputes. XXXX even stated that he was unable to provide me with crucial information regarding the disputes, including the names of the merchants involved or the dates of the disputes or purchases. To make matters worse, he placed me on hold for an extensive 20-minute period before hanging up on me. I have included the data for my disputes in an attached file. Thank you again for your time.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i was told my investigation was not done until my Id was verified i sent it in but the send my complaint back verified, then send a letter saying my information was deleted from my file and to reach out to other agencies CFPB XXXX # XXXX