davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (TN)

I sent a letter out on XX/XX/2022 to Experian, XXXX, and XXXX. Here are my tracking numbers : Experian tracking number : XXXX, XXXX tracking number : XXXX, and XXXX tracking number : XXXX. However the credit bureaus said that they completed the investigation and everything was 100 % accurate. How is that when the account number is incorrect, the account type is incorrect, the account status is incorrect, the monthly payment is incorrect, date opened is incorrect, the balance is incorrect, payment status is incorrect, last reported is incorrect, date last active is incorrect and the date of last payment is incorrect? According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation? 

One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates 15 USC 1681i ( 5 ) ( A ) ( i )- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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. 
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. I did not give anyone written instructions.
Consumer complaint received 2022-08-26
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: GOLDMAN SACHS BANK USA (NY)

I noticed an unauthorized charge on my Apple ( Goldman Sachs Mastercard ) from the app store as an in-app purchase. I disputed the charge and it was denied. I requested a review of the denial and it was denied again. Apple support stated there is nothing they can do and I am responsible for the unauthorized charge as they have no recourse after initial dispute.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NC)

This is second Complaint in reference to my First Complaint # XXXX, which was close based on UWM ( United Wholesale Mortgage ) response.

The first complaint against UWM ( United Wholesale Mortgage ) was file on XX/XX/XXXX & then Customer ( myself ) received the Final response from the UWM on XX/XX/XXXX. 

Here is the Response from UWM on XX/XX/XXXX. 
Our review has found that UWM initially processed the additional principal payments you are making based on the standard payment hierarchy for your loan. Our Account Services Team then made the appropriate reversals to ensure these payments are being applied as you intended. As a result, UWM consider this matter resolved.

It clearly indicating that UWM know this issue & Instead of Fixing the issue they are try to explaining the cause. Since than I did 4 times Additional Payments ( Attached copy of Print Out ), but still UWM doing the same thing again & again. I have to go back n forth all the time to verify my account & calculate all my transaction to verify UWM charge properly or not. 

Additional Payments were submitted on XX/XX/XXXX ( {$3000.00} ) then XX/XX/XXXX ( {$2000.00} ) then XX/XX/XXXX ( {$2000.00} ) then XX/XX/XXXX ( {$5000.00} ). I will try to pay another additional payment by this month ( But not sure yet ). Still the additional payment amount goes directly as Monthly payment first then UWM reverse monthly payment & then apply properly as additional payment. So 1 line transaction become 5-lines of transaction. 

Like in XX/XX/XXXX to XX/XX/XXXX, If I did not pay attention then there was a chance where I was going to be victim of this unlawful activity. Like in my first compliant # XXXX I explained, in XX/XX/XXXX to XX/XX/XXXX all additional payments were completely mixed up & had wrong interest charges on account. 

After I spent too much time to going back n forth all the time to verify my all transaction, raise this issue by calling, secured message to UWM & Complaints to CFPB. Now I am planning to contact legal department to take action against UWM & now this time I will ask for compensation for wasting my time as well giving me hardship for more than 1 year. 

Attached last 24 Months of statement. 

Thank you, XXXX
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, on XX/XX/2022 a domestic wire transfer of {$96000.00} was initiated from XXXX to my account with Chase Bank. I confirmed with XXXX two days later that the money was received by Chase Bank but the wire was under review for potential fraud due to XXXX and that this hold could take 1-2 business days. The time period elapsed with my funds yet to be deposited in my account, so I call Chase bank and now I'm being told they can not see the wire anymore and am repeatedly told to confirm with XXXX that it wasn't returned. I confirmed with XXXX 3 more times that the wire was not returned. I have spent dozens of hours on the phone being sent from department to department at Chase with still no resolution. I am told the only people who can help me are members of the wire research team but no one is allowed to call them and i have to wait for them to call me. They say someone will call on " x '' day at " x '' time yet no one ever calls when promised. It is now XX/XX/XXXX and I am still being run in circles by Chase Bank with no resolution in sight and no one is even willing to help figure out where my money is.
Consumer complaint received 2022-08-26
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Consumer complaint received 2022-08-25
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: CarMax, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : 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 2022-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (CO)

The company in complaint is mountain run solutions. I have an Alleged debt from XXXX  XXXX. That has gone to collections. My aunt and I received a text on XX/XX/XXXX about it. My aunt is not on that policy. XXXX is a home security company and my aunt is an emergency contact for me since I don't have any family here in Colorado. But her signature or any financial information is not on that contract. She should not be tied financially in any way. I called and asked them for a debt validation letter. I did not receive anything and forgot about it. On XX/XX/XXXX i received another text and stating that they would be reporting the account to the credit bureau on XX/XX/XXXX if action was not taken. I called immediately and I asked for validation of the debt to which they just sent me a packet of their own alleged payment amount. That packet arrived XX/XX/XXXX They didn't include any original bills but they included a copy of the contract with no billing history. The only date regarding the debt is XX/XX/2020. I didn't even live in the property the debt is regarding at this time. I called again to say I don't believe this debt is correct please send me info with an original bill and breakdown. Today on XX/XX/XXXX they put this dispute on my aunts credit. She's not on the contract and I've already started disputing this. There was no reason for that. And there's no information that can allude this being an acceptable action. The paperwork with My aunt 's name even shows that she is a secondary contact but not a customer. The top corner of the electronic signature disclosure only has my name. The actual contract only has my name. She is not anywhere on the customer information side. My credit seems to have not taken a hit yet as it should be because we are in dispute. My aunt should in no way be involved in this.
Consumer complaint received 2022-08-25
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)

This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX BANK XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX XXXX ( Bank XXXX XXXXXXXX XXXX  ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK ( Bank ) XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : 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 2022-08-25
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



TransUnion Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX AD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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. (FL)

TransUnion lately has been following the poor practices of the other bureaus. Disregarding valid disputes and indisputable evidence supporting my disputes. The FCRA laws are rarely followed and investigations are completed without any proper investigation, nor are they able to furnish any documentation supporting their position. I I have tried many times to correct the following issue with TransUnion which they continuously state my dispute is " verified as accurate. '' It is absolutely NOT accurate and they need to delete this fraudulent record immediately as I will be forced to seek legal assistance if they do not address after this attempt at resolution : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$130.00} Status Date : XX/XX/XXXX Account Number : # # # # # XXXX This debt does NOT belong to me. I contacted the data reporting agency who confirmed the SSN, DOB and personal address information was indeed not mine. The agent assigned to this account assured me that this matter was closed and I should not worry about any adverse reporting activity appearing on any of my credit reports. 
When the fraudulent tradeline showed up, I immediately contacted the agent who lied to me about closing out the matter. This time he told me that it was reported in error and he had already notified the appropriate department for removal. To date, the fraudulent tradeline reports only on my TransUnion report.
Consumer complaint received 2022-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX- credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Capital One XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

For the past several months i've been getting calls from a company representing themselves as a debt collector for an old account that was held by household orchard bank, now defunct. I have no record of this debt, it also is not listed on my credit report as past due, in collections, charged off, etc. I have looked at XXXX, XXXX, and XXXX. When i contacted the collector, i was told the last date of activity was XX/XX/2014, which is within the 7 yr period for accounts to age off of my credit report if they had negative comments. Due to the age of the debt, i personally no longer have documentation of this account, although i am making attempts to find it. I am fairly certain however, the account was either, paid in full, or paid in settlement. The person i spoke with was named XXXX, and despite asking several times for the license number of XXXX, since they are a debt collector, as suggested by the PA  attorney General 's office, i was told she didn't have it. The amount owed in question is XXXX.
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KY)

This auto loan was fully paid XX/XX/2018. All payments were made on time. Yet, Credit Acceptance reports XX/XX/2018 as 30 days late? 

I have disputed this inaccurate reporting twice through the bureaus and a direct letter to credit acceptance. Verified each time, even though after reading FCBA and CRRG, it is obviously wrong!!!
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (TX)

I opened an Ally checking account XX/XX/2022. I opened this account because I got an email saying I qualified for {$250.00} bonus when I opened one. I am on their mailing list because I have an auto loan through Ally Auto. I opened this account and made the qualifying deposit on XX/XX/2022. I was told by a customer representative that I would have my {$250.00} by XX/XX/2022. 

Here are her words exactly on XX/XX/2022 Hello this is XXXX! Thank you for messaging with me today, here at Ally Customer Care. I am showing your 1st qualified deposit was made on XX/XX/2022. According to the email that was sent out to you. I am showing it advies that bonuses will be paid within 30 calendar days after receiving the qualified direct deposits. I am showing that is XX/XX/2022. 

I asked today XX/XX/2022 and they told me they could not do anything if I didnt have the promotion code in the original email. This email has since been deleted and can not be recovered. I told them that I had emails saying I was signed up for the promotion and still they said there was nothing they could do. Even though they sent me the email and I have proof I signed up for this offer. This proof includes emails all the way up until XX/XX/2022 saying I am still enrolled under the promotion The last response I got was this. 
I do apologize for the inconvenience, but without the promotion code, we are unable to create the case. As our office is an inbound contact location, with a large number of security policies, we are unable to access any email system, but we are also unable to access the email account of the agent that sent the email to you. The only option would be to have the promotion code. 

This is a scam and I want this resolved. No telling how many other people signed up for this and never received their money.