davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (CA)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within XXXX days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every XXXX of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
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
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/2023 I received my first pay roll check from my place of employment. I deposited the check thru my Chase bank mobile app and it uploaded twice, not purposefully. I knew the amount deposited being over {$500.00} would be put on hold for XXXX hours. After the XXXX hours came about, my checking account was restricted due to the double check uploading mistake. Understandable. I was told XXXX business days my account will become active again and my employers bank ( XXXX XXXX ) would need to cancel the extra check.. they did. So now being almost XXXX weeks of not having my hard earned pay check accessible, Im beyond frustrated. The XXXX yesterday came ( the XXXX business day ) I still could not access my money. I called customer service around XXXX pm, I was told my account is on hold another XXXX hours. After XXXX XXXX  came and I STILL cant pay my bills. I called around XXXX XXXX, to which I was again told that it will be on continued hold until my employer is verified. I went to chase, brought the pay roll check I deposited on my bank app, verified my entire existence to prove I am not a fraud. NOTHING is being done.
Consumer complaint received 2023-08-07
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: SYNCHRONY FINANCIAL (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX Reported : XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXXXXXX XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX XXXX Reported : XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I deposited a check for {$3000.00} that had been written to me by my husband on XX/XX/XXXX. Bank of America sent him a text message asking if he had written me the check. He replied " no '' via text message and Bank of America decided I had altered the check. They closed my checking account and my XXXX XXXX XXXX son 's XXXX checking account. I took the check into the bank to speak with the XXXX and show him that the check had not been altered. He called the XXXX department and explained that all I had done was deposit a stale dated check. The fraud department stated they were taking my husband 's word over mine and that B of A no longer wanted to do business with me. I had been a customer since XXXX. 

I went to XXXX XXXX XXXX and opened a bank account there and my XXXX XXXX XXXX son also opened a bank account. We thought everything was find until XX/XX/XXXX when I tried to use my debit card and it was declined. I called the bank to find out why, and they said because they had received notice from XXXX XXXX. 

I called XXXX XXXX to file a dispute but was told it would take up to XXXX days to for them to make a decision. 

My husband called Bank of America and XXXX XXXX to tell them he made a mistake and had forgotten he had written me the check. 

Bank of America keeps telling me it is out of their hands and up to XXXX XXXX to make a decision. XXXX XXXX is telling me it is Bank of America who filed the claim, and it is up to Bank of America to remove the claim.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: W&A Intermediate Co., LLC (IL)

In accordance with the Federal Credit Reporting Everything has to be 100 % accurate on my credit report.

The HIPAA Privacy Rule sets limits and conditions on the uses and disclosures of XXXX that covered entities and business associates may make without an individuals authorization and provides individuals with rights with respect to their health information. 

The attached letter was sent via certified mail on XXXX/XXXX/3023 to Wakefield & Associates at XXXX XXXX XXXX XXXX XXXX XXXX The customer service representative on the phone told me the reason for the visit. The company sent a breakdown of fees and diagnosis codes from XXXX XXXX XXXX XXXX but did not provide written proof that I had give permission for them to have access to my health information. The company removed the derogatory remark form my credit report with XXXX, XXXX, and XXXX and re-added the remark on XX/XX/2023. XXXX customer service representatives with Wakefield & Associates confirmed there is a " cease & desist '' remark attached to the account in their computer system yet the company reported the same account to the XXXX credit bureaus.
Consumer complaint received 2023-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

I received an American Express e-gift card in XX/XX/2023 and activated it almost immediately. I tried numerous times to use it at many online merchants with varying purchase amounts, but it continuously gets declined. I called the customer service number listed on the original email, but there is no option to speak with a human and the automated system only tells me to do what I've already done over and over again. No practical option for a resolution. I've done endless research online to find a solution, but get much of the same useless information. I've been doing everything right for 7 months now and yet I'm still sitting on a gift card that reflects the initial {$100.00} balance. I just want this stupid card to work so I can use up the balance, move on and warn everyone I know NOT to buy one of these unusable pieces of XXXX!
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We went to the bank branch office last week to pay our mortgage off. It was a substantial check amount. We got a receipt that said it was paid. The next day our bank showed the check cleared. We go into the Wells Fargo portal and it shows the payment is sitting in an " unapplied funds '' account and it also shows we still owe and are delinquent on our XXXX  payment. Isn't this a violation of the law? Aren't banks supposed to post your payment within 24 hours. It's now 5 days that this payment has not posted! It's concerning because they told us the third day when we called it would be posted on Monday but is still was not posted. So we called Monday and they said it will post by end of day Monday now. Because of prior past experiences with this bank and the large amount of money that is sitting in " unapplied funds '' and a possible violation of banking laws, we thought it would be best to file this complaint and have the CFPB look into this matter.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (MA)

XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX  XXXX First National Bank of Omaha ( FNBO ) that was approved 7 hours later and on the official XXXX XXXX website showed a bill offer that I would get a {$100.00} reward so my trip cost would be {$0.00} if I was approved and it would only take a few minutes to see if approved. This email does not document my card was an annual PREFERRED {$98.00} membership fee. XXXX uses the same type of promotion but XXXX was legitimate, XXXX did not illegally sign me up using false marketing schemes and XXXX did not illegally enroll me in a recurring {$98.00} membership fee like FNBO. 
XXXX received credit card with preferred annual fee membership. I checked balance to see if they charged me, but she & XXXX said they could not issue me the free membership card. So basically a {$90.00} trip ended up costing me {$280.00} since I never received any rewards and she said I'll be charged {$99.00} at the end of the month. Plus after 10 years I'll spend over {$900.00}. If I close tge card my credit will be destroyed!! Also FNBO XXXX with customers credit limits causing expensive fees and further damaging credit score. 

The official XXXX XXXX XXXX FNBO the predatory XXXX run an organized online cyber gig that gains access to customers credit cards using false pricing and in less than 3 minutes hijacked my money to a card that has add on fees and FNBO is an organization worth {$1.00} XXXX full of CEO grown-ups working for corporate greed bleeding average Americans and destroying their credit scores. And it IS ILLEGAL FOR COMPANIES TO DECEIVE CUSTOMERS INTO THINKING A DISCOUNT EXISTS WHERE IT ACTUALLY DOESN'T. 
I do not want FNBO credit card. FNBO has cases stemming back from XXXX charged for using deceptive business practice. I hope for a fraud solution with the XXXX credit companies so I don't get penalized as a company XXXX  makes {$1.00} XXXX dollars should be held accountable for my tiny request compared to their billions.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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 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 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 XXXXHas violated my rights
Consumer complaint received 2023-08-07
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. (IN)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MS)

In the last couple days I have had two hard inquiries on my XXXX credit report for credit cards that I have not applied for. Chase card and XXXX XXXX XXXX are not my doings. Can you help me?
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-07
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX # XXXX is reporting and doing collections illegally as XXXX XXXX is unauthorized to collect or report on my credit report in the state of XXXX.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of america was the bank that XXXX used for are accounts in XXXX XXXX i started getting money from XXXX i recieved the first check and thast was it i contacted bank of america asking them what was going on because i didnt not receive any money after the first check and all they would tell me is the money was deposited on my card well i never received another payment and i have contacted them and i filled 45 claims and all they keep telling me is they have payed all kinds of the claims XXXX sent me a letter explaining that there was XXXX XXXX dollars put in to my account everytime i call bank of america they tell me that the claims are payed them i received one payment from bank of america and thats it its been 3 years and this is not right all my XXXX was stollen from there bank and they are not paying none of that money i was suppost to get on my claim
Consumer complaint received 2022-11-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my OTHEr request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX Inquiry XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (FL)

This bank holds pending transactions for ( 30 ) days which should be illegal.When you get a hotel or something and they place a security hold on funds once the hotel release those funds the bank holds them for ( 30 ) calendar days which is illegal and they should be liable for a lawsuit.