davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

XX/XX/XXXX I sold my home after 47 years, Had the XXXX card since XXXX. 
I drove and traveled around us for 3 months using my brothers address in SC. Got locked out of my card constantly for the address which was hard as I was driving down to the south. Short version my cell broke, got a new one and then it began. They would not accept It was new. would not help, e and locked up the card. I needed to verrify from the old cell, Talked to fraud dept many many times, they said the ladt one its fixed promise you. 
I prepayed on XX/XX/XXXX dollars cause I was locked out on line, Tried to use card XX/XX/XXXX by my new home in XXXX, wa. emabassed cause I was locked stil. would not give me gas so I used my visa. Not my XXXX gas card. He chaged me XXXX on my card but I did not get it with the card. 
I jad it on my visa. I just gots tmt called. again they wont accept its me because they dont have this cell. I gave it to them but not good enough nor do they record it. I was on my old home phone that they have the number. 
He sent me a code I gave, it back but not good enough becauee the phone is through the internet. I have a nalance owed of XXXX since I had paid ahead XXXX dollars. I will have to pay this to save my credit but I did not get the gas my account was locked. These people are not practising good business practices, I told them to close my account and he said pay the bill. I told them before to close the account and he at the fraud division isnce no no I fixed the problem. Here I am payimg for something I did not buy, The XXXX gentleman at the counter thought it was funny. He must have put the gas in his vehicle. what time was it pumped?
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against Transunion because of XXXX account # XXXX. Transunion is stating they will report this account until XXXX XXXX ; when the last payment made was XXXX XXXX, XXXX ; account should have been removed XXXX XXXX. They are refusing to delete this account from my credit report. I am attaching part of my Transunion Credit report dated : XXXX/XXXX/XXXX ; File # : XXXX. You will clearly see XXXX/XXXX/XXXX and you will also see removal of XXXX ; this date is 7 1/2 years past the date of last payment, not 7 years, please help me remove.
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

Last month plus there have been several instances of obvious fraud ( online XXXX transactions over the course of a month plus outside of the area where we live ). They did not catch it and will not stop the card because it is my wife 's card. I understand that they can not give me information about my wife 's account, but a simple call to their fraud department and they would have easily seen that the charges were fraudulent, but they refused to do even that.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. 
Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. 
Inconsistent Reporting : While TransUnion and XXXX both show a XXXX late payment, XXXX has no record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (NJ)

Have a 30 day past due amount which is restricting my credit. sent in a debut was suppose to resolve last month but still is active. 

Wells Fargo XX/XX/2015 scheduled payment
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (CA)

On XX/XX/2018 GC Services debt collection attempted to withdrawal {$2500.00} from my checking account in which I never authorized. I received a call from my bank indicating a " suspicious '' transaction that had just occurred. Originally, I agreed to a {$250.00} monthly repayment plan, but GC Services took it upon themselves to attempt to withdrawal {$2500.00} in which I did not authorize.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (CA)

I was first made aware of a " late payment '' via email in early XXXX of XXXX. I contacted Upgrade, and asked why is this happening because I'm enrolled in auto pay. I further found out, that the late payment amount was {$.00}. I was told by the representative, that this had to be an error on their end. I said " ok, but, how about you take the {$.00} just in case. '' I was told " NO! '' I then said, " take a XXXX, or XXXX or XXXX even, I don't care, I just don't want a late payment on my credit reports. '' I was assured that they would look into the matter. I finally received an email mid XXXX, stating that it was a mistake on their end and that, " I would be made whole. '' Now in mid XXXX, a late payment was reported to the credit bureaus for XXXX. This is now the third time they have made a report to the credit bureaus for the month of XXXX. Again, first, I am enrolled in auto pay and second, it's all over {$.00}. Last, I told them to take the money out of my account in the first place to avoid exactly this situation!
Consumer complaint received 2022-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (TX)

To Whom It May Concern, This incident is regarding unauthorized funds sent via a duplicate erroneous wire transfer without authorization by Ally Bank. 

On XX/XX/21, I, XXXX XXXX XXXX, authorized a one-time wire transfer in the amount of {$9200.00} to a bank account at XXXX XXXX  XXXX for Contractor Services . 
( Request # XXXX ) That wire was sent successfully. 

The next day, XX/XX/21, the same amount was sent ( {$9200.00} ) without my authorization. Immediately, I had called Ally Bank Customer Service and they said it was a 'technical error ', as both wire transfers had the same request number. Multiple supervisors had told me they never have seen this happen, but had made a request to recall the erroneous wire Ally bank had sent. 

Having no other option than to speak to a supervisor, I had to accept that this was the only action ( recall wire ) that could be done, even though it was the bank 's error that sent the duplicate wire without permission. A few days later, I decided to cancel the recall ( I was told Ally Bank couldn't get the account holder 's permission to recall ) and pursue legal avenues ( civil/criminal ) against the receiver of the erroneous funds to recoup the money. 

Regardless of the recall status, I strongly believe that the bank needs to accept responsibility and make right for essentially stealing {$9200.00} from my account. 

I have attached the wire transfer confirmations from Ally Bank that clearly show that it is the same request number for the authorized wire ( XX/XX/21 ), and then the erroneous wire ( XX/XX/21 ). 

All case notes for this is logged in XXXX XXXX. XXXX in Ally Bank.
Consumer complaint received 2023-07-03
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: WELLS FARGO & COMPANY (CA)

hello CFPB rep, i was in XXXX when all this happened, on XXXX XXXX my husband payed a XXXX dollars deposit on wells fargo reflect credit card for a set of wheels from XXXX XXXX and provided specifications of the wheels and the measurements, 5 days later the company contacted my husband and I returned to the US on the XXXX XXXX XXXX so my husband and our son went with the car to install the rims on the car. he ended up providing the merchant another wells fargo bilt credit card for the same purchase and the amount was charged was {$1000.00} + the previous {$500.00} deposit + {$1000.00} in cash. This is all one purchase for a set of 4 wheels to be installed and mounted on the car. The merchant insisted on collecting the money upfront before they started on any work. my wife was never there, the merchant lied to wells fargo in most of their statement that my wife placed the order on XX/XX/XXXXXXXX XXXX XXXX  my wife was in XXXX at that time. then the merchant stated with another lie that she was in their store to pay the difference of {$1000.00} but the transaction with wells fargo shows its keyed in instead of swiped. Why would the merchant key in and not swipe the card if my wife is present? The first dispute I created about the {$500.00} sometimes in late XX/XX/XXXX this is about wrong sizes and specifications on a set of wheels according to wells fargo the merchant never gave them sufficient proof to back up their case so they lost the first dispute and it was to our favor. Meanwhile in XXXX I opened another dispute about the {$1000.00} for the same reason because its all in one purchase. for some reason wells fargo threw my case in the mud for 2 months until I found out I called them back again in XX/XX/XXXX, reopened the case, meanwhile wells fargo gave me a legit reason as to why they closed my case, neither did they ask me to submit to them any documentation to support my case, as we know they already have all the documentation when I filed the first dispute of the {$500.00}, so from XXXX XXXX all the way until XXXX they gave the merchant time to formulate a fake response for their case and recently 15 days ago wells fargo post back the money onto my account, and now wells fargo decision is completely unreasonable because I have spoken to an escalation manager by the name of XXXX on XX/XX/XXXX, and she agreed that if the first dispute of XXXX XXXX  was clearly to my favor then I should not be losing the second dispute as they both are related to the same purchase. But wells fargo is trying to blame visa and XXXX for this wrongdoing instead of providing visa and XXXX the same evidence that worked to my favor in the previous dispute and the second.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OH)

On the XXXX of every month I have apparently been getting charged around 9 dollars by XXXX for some payment dealing with an XXXX. I checked online and apparently this happens to a lot of people I was told to ask for help here.
Consumer complaint received 2022-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

Defrauded by the seller after making an online asset purchase. After making the wire transfer of {$15000.00} via international wire transfer the seller disappeared and ceased communications. I suspect that the seller is living overseas despite leaving XXXX bank accounts and addresses. My bank JPMorgan Chase was not able to flag the transaction to this suspicious party.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, Method of Verification, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within 30 days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately.
Consumer complaint received 2022-02-19
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)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX : XXXX -- -> : {$260.00}
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I have a mortgage with Fifth Third Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given XXXX months of grace. In XXXX of XXXX, I applied for a loan modification as XXXX of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due. 
They started the paperwork and told me I would have a new mortgage payment deal set up in XXXX weeks. 
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another XXXX weeks. 
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail. 
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case. 
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case. 
XX/XX/XXXX, I asked again for a response and was told that my case was still under review. 
Today ( XX/XX/XXXX ) I learned that I have been reported as being XXXX days late on my payments! 
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I would appreciate your help with the account that has been inaccurately reported on my credit report. This matter has caused significant damage to my reputation, and I am seeking your assistance. Your mishandling of my credit report has severely affected me, and this incorrect information has tarnished my reputation. Please take action to remove this misleading information from my credit report.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PAR

TY. THE CREDIT BUREAUS STATED M Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A
CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score with Transunion has been lowered XXXX points from XX/XX/XXXX to XX/XX/XXXX. I I applied for an upgrade card and was approved XX/XX/XXXX. I received a spirit card XXXX XXXX, XXXX. I received a XXXX  XXXX card XX/XX/XXXX that was opened with no hard pull according to XXXX XXXX. XX/XX/XXXX I was approved for an XXXX  card. And I was added as an authorized user on a XXXX account in XXXX of XXXX which should not be a hard inquiry. So before these actions my credit score was a XXXX. I was docked points for the inquiries and then again when the counts were listed as opened. My limits are no higher than 15 % on any credit card. Then even though I had already had points removed for a hard inquiry for the upgrade card on XXXX XXXX XXXX they docked me XXXX points when the one card became opened. I was of the understanding your score could be adjusted a few point for inquiries but XXXX points for one card after having my score lowered on the same account is double jeopardy. I am in the market for a refi on my home but with the score the way it is its not allowing me the APR I deserve and is going to cost me thousands of dollars just because Transunion scoring system that is self serving. I attempted to call Transunion on XX/XX/XXXX to try to resolve this issue but was basically told by a miss XXXX she could only answer general questions. And seemed clueless. Not only would I like my score adjusted in a fair and unbiassed way I want to know what rules they go by for taking points off some ones credit report. All the proof of the scoring is in the their credit reports.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Moore Law Group (NM)

Moore law group filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I havent been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate. I
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been contacting Transunion in regards to my credit score and information in my credit report that does not match with the other bureaus. I have accounts that are reporting on the other bureaus but not on Transunion.