davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My mortgage loan is missing from my XXXX and Experian credit report. It was previously being reported but when I last pulled my credit report it was missing. I contacted my mortgage lender and was informed that it is being reported correctly. ( it is also being reported correctly on my XXXX report ). I sent a dispute letter along with my identification, a copy of my mortgage statement and XXXX statement to both credit bureaus. This has been going on for a year and it is still not correct on my reports and it is lowering my score.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX Sycrony Bank gave an offer of double points towards my XXXX XXXX XXXX XXXX with the use of my credit card XX/XX/XXXX - XX/XX/XXXX. 

I " clicked '' on the button and registered to receive the offer. 

I did not receive the bonus points and contacted them in XX/XX/XXXX. They said it can take up to 90 days to process. I contacted them XX/XX/XXXX and they said they would check on it. I never heard back. I filed a complaint on their XXXX Account and they had a corporate customer service contact me, but I still have not received my points. 

I have tried to call the girl I was speaking with and it went to voice mail. They refuse to provide a means to contact them other than phone calls. I do not even have a case number.
Consumer complaint received 2023-10-19
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. (SC)

In accordance to with the Fair Credit Reporting act XXXX account name Child Support Enf AG/N, account number XXXX, has violated my rights. 

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.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$240.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$12000.00} XXXX XXXXXX/XX/XXXX Balance {$370.00} Inaccurate data and identity thief that should be removed from all three of my credit report Immediately.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Unacceptable wire transfer processes at Bank of America and XXXX XXXX Dear Sir/Madam , I hope to get some help regarding a wire transfer issue related to the sale/purchase of a property. This was a sale by my daughter and her husband to my son and his wife. I am a CA-licensed broker who represented both in the escrow. I also loaned money to my son and his wife to purchase the house. 
On XX/XX/XXXX, I wired {$340000.00} ( part of my loan ) from my Bank of America trust account to my daughter 's trust account at XXXX XXXX ( same day wire ). The wire routing number was wrong ( ACH number instead of the wire routing number ). I realized this two days after I wired the amount and notified my BoA wiring department. They claimed that the money was with XXXX XXXX already and XXXX XXXX claimed they didn't have it. After two days, XXXX XXXX admitted that the wire was held up in their wire regulatory department. The regulatory process supposedly was for the BoA and XXXX XXXX wire departments to message each other, each transaction stated to be a 48 business hour transaction. No closure timeline was given! 
After 7-10 days, I asked for alternatives to get the money back in my account. My son-in-law visited his XXXX XXXX branch manager multiple times and I visited my BoA branch manager multiple times. They recommended I recall the wire, and I did. A few days later, XXXX XXXX agreed to deposit the wire into my daughter 's account if I cancelled the recall notice. I did. Unfortunately, this recall got caught in the wire departments ' messaging process! At my son-in-law 's request, XXXX XXXX eventually returned the wire amount to BoA on XXXX ( last Friday ). Now, BoA says it could take 3-5 business days to be in my account! It is 5 days later and BoA is now telling me it could take another 2 days! 
A same day wire has been held for 21 days ( and counting ) with no reasonable process to correct the routing number issue. Meanwhile, I had to borrow from my home equity line ( at an interest rate of over 7 % ) to close the escrow. 
Can you help me understand how you can hold these banks responsible for this deliberate withholding of consumer funds with an inexplicable process? 
Regards, XXXX
Consumer complaint received 2023-07-25
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. (MI)

I have previously disputed XXXX XXXX Bankruptcy with said company and in response they verified the item as accurate stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (IL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$3600.00}
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My mortgage loan is missing from my Transunion and XXXX credit report. It was previously being reported but when I last pulled my credit report it was missing. I contacted my mortgage lender and was informed that it is being reported correctly. ( it is also being reported correctly on my XXXX report ). I sent a dispute letter along with my identification, a copy of my mortgage statement and XXXX statement to both credit bureaus. This has been going on for a year and it is still not correct on my reports and it is lowering my score.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MN)

I had the alert when payment due feature set up with Citibank in XX/XX/XXXX. 
Never received the payment due alert, ended up being a day late. Citibank admitted fault and reversed the " late fee '' and said all was good. 

In XXXX, after I made a purchase, I noticed my rate had gone up to XXXX Called Citibank, and they said the reason was because of the " Late Payment '' in XX/XX/XXXX Never once did Citibank notify or tell me of the rate hike The customer rep had said it was more than just the " late payment '', that there were other " reasons '' but refused to elaborate Spoke to a customer rep " manager '' and she said there was nothing they could do. 
The manager told me to " try back in 6 months and she would review it! '' I have a spotless credit report all bureaus reporting in the high 790 's No late fees, no collections, low utilization, paid off house and two cars All credit in good standing Now I am transfering the debt to another credit card and Citibank is being difficult in allowing the transfer!
Consumer complaint received 2023-07-25
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-21
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 (NC)

Capital One. I have called them they can't find my name under my ss number or birthday but they won't take it off my credit report. I send information to them and they still won't take it off. 
I am hoping you all can get it off my credit Thanks You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N C XXXX
Consumer complaint received 2019-05-21
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: Experian Information Solutions Inc. ()

Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost 80 points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (FL)

Upon reviewing my credit report, I have identified certain items that have not been adequately verified or substantiated by the respective furnishers. It is my right as per the Fair Credit Reporting Act ( FCRA ) to seek the necessary verification of these items to ensure the integrity and accuracy of my credit report. I kindly request that you initiate a thorough investigation into the following unverified information items on my credit report : Personal Information is Inaccurate Date of Birth, address and misuse of reported Items.
Consumer complaint received 2023-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC (VA)

On XX/XX/2023 BMW Financial Services sent me a letter offering to settle a XXXX debt for XXXX. To better understand my options I decided to reach out to BMW and ask what will happen to this debt if I do not settle. I asked if this debt will be sold to a 3rd party, or will anyone report this debt to the credit bureaus in the future. This debt has been reporting on my credit history for almost 7 years and I would like to know when it will stop showing. BMW will not provide me with the information mentioned here. Please provide me with information regarding these issues. I am currently receiving SSDI since I am no longer able to work and every finding it hard to make ends meet.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

XXXX amounts of XXXX and XXXX of XXXX were charged to my account. When the claim was disputed it was rejected because they said the service was rendered. It was not. I have provided multiple accounts of disputes to the merchant with no resolve.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (FL)

I received several harassing phone calls from Collection Agencies representing XXXX XXXX XXXX XXXX   indicating that owed {$470.00} for a debt dating back to XX/XX/XXXX. The first Collection Agency identified themselves as XXXX XXXX XXXX in XXXX Illinois, Representative XXXX XXXX, she provided an address of XXXX. XXXX XXXX, XXXX, Illinois. XXXX XXXX XXXX. That called was initiated on XX/XX/XXXX. I informed her at that time, that I did not have an account with XXXX XXXX XXXX XXXX   much less owed them anything. 
On XX/XX/XXXX, I received yet another phone call from CBE Group indicating that they were representing XXXX XXXX XXXX XXXX in an attempt to collect a debt. They had my former name and asked for my social security number. That call was generated by phone number XXXX, and the caller refused to identify herself. She however, informed me that the telephone calls will continue until they I paid what is owed. I am a senior citizens with health conditions and find this abusive. I spoke to an Attorney who informed me that this is some type of Zombie Debt method that is used to force payment. I was also advised by the attorney that oftentimes these companies will show a payment received with a current date to continue their level of harassment and to circumvent the law. My concern is that this is not a debt that I owe and it is well over 28 years! In addition, I have learned through my research that XXXX XXXX XXXX XXXX is defunct. I requested that they put it in writing and to date have received nothing from either collection agency.
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (NC)

Optimum Outcomes Inc ( XXXX ) left 17 voicemails ( in just the past 3 months ) and numerous other calls ( some I picked up ) from a debt collection agency, calling every week, not even for me, or debt I owe, for someone I have never even or even heard of ( " XXXX XXXX '' ).

I have been on the Do Not Call list since 2011, and have owned my phone number for over 15 years. No one else but me ever uses my phone, or number. I blocked the debt collection agency and thought the problem was solved ... 

Until today. I just found out that I've missed multiple time-sensitive phone calls from my doctor because this debt collection agency refusing to stop calling and filling up my voicemail. Their actions have resulted in real medical damage to my body. 

THIS IS NOT MY DEBT. 

I am NOT the person they are leaving voicemails for. Them repeatedly calling and filling my voicemail caused me real MEDICAL DAMAGE and I want them held responsible.
Consumer complaint received 2019-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: The Capital Good Fund (RI)

Soo this review is on XX/XX/2019, not only have I tried on multiple occasions to get a loan even for the lowest amount and I was told that I wouldnt be able to pay it back because I didnt have enough income. Even with the proof that I received not only more than the loan I was requesting, but even the interest. Then they said it was my payment history, clear as day I have auto pay for the simple things and as far as rent I took pictures of my receipts but yet I got denied. Ive tried to get the help from capital good fund at least 4 different times in the course of 2 years and every time no luck. Ive even suggested a couple of friends who came across hard times and yet no luck and they definitely have had the income and pay history to qualify but they also have gotten denied. But yet we question who do they REALLY help? Possibly their own kind. Where do the funds go if they arent truly helping people?
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (PA)

Im accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX Has violated my rights. 
15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2023-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (CA)

I cant access online banking. It always show need to contact Synchrony Bank. I called Synchrony many times but cant resolve the issues. Thay keep telling to check again and again and again but until now it doesnt works. Today I called again & still they telling me to try again after 3-5days. Its been almost 2 months no access with my account. Only online is the access for this account. They dont have physical bank. How can I get my money? Thank you.
Consumer complaint received 2019-05-21
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. (CA)

the following XXXX accounts ( dept of XXXX and XXXX XXXX ) are inaccurate accounts reporting under my name, these are wrongful accounts located under my name, please find attached the FTC report and the police report for these irrelevancies, i have already sent this paperwork and many disputes to XXXX  and equifax but they have not been of any help.please as a consumer i need you r help to have these XXXX inaccuracies removed from my both XXXX and equifax credit file thank you
Consumer complaint received 2023-07-26
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. (TX)

This is to inform the reporting agency that I discovered some unauthorized inquiries on my credit report which violated my consumer right In Accordance with the FCRA section 611, I have tried to resolve this situation but nothing as happened please kindly remove the following inquiries from me report because i do not authorize them. 

XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX