davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

When it comes to Experian, they are giving me a very, very hard time regarding my credit report. They are not telling me how the inaccurate information on my credit the report is being verified. Who is the party verifying this? The late payments that is on my credit report from XXXX Experian is still giving me a hard time regarding this matter. The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX for {$330.00} Account number XXXX XXXX  XXXX  for {$37000.00} COLLEction Account Number XXXX
Consumer complaint received 2024-07-10
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. (NV)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

Experian forces me to make my disputes through their website, unfortunately they did not accept my letter that I sent them and they did not investigate anything, a month has already been lost. They use excuses that they have doubts about the origin of my letter, it is not a sin to use templates that exist on the web, they must do their job of investigating.
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

My husband received our tax return and we thought it would be easy to send me my half ( {$4200.00} ) using Venmo. They took the money from him then immediately suspended my account due to " suspicious activity '' My husband & I transfer money back & forth all the time with no issues. This is the first time we've sent a significant sum of money, and my account got suspended immediately after for no apparent reason. The money was deposited to him by the federal government so I dont understand how the money could be suspicious. We are broke & we were counting on that money to pay our mortgage this month. I have called & called & I dont think its possible to speak to a live human & none of the chat bots do anything but send me to the Venmo FAQs. I've searched the internet to try to get some answers and unfortunately all I found was a ton of Venmo users all in the same situation. Please help us.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

this GENERAL MOTORS COMPANY credit account has been charged off. so this means that GENERAL MOTORS COMPANY has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681XXXX ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of 1933 and 1934.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (CA)

Hello, my name is XXXX XXXX. My husband and I purchased a home through Wells Fargo Bank in XXXX, California ( address of home was XXXX XXXX XXXX ). We unfortunately faced some financial difficulty during the recession and tried to refinance our home. We submitted our refinance application to Wells Fargo to try to save our home and come to a resolution to help us keep our home. We called Wells Fargo and tried to negotiate in good faith and find all options for us to be able to keep our home but all our attempts yielded nothing positive. Ultimately Wells Fargo turned down all our attempts and requests to save our home and repossessed the home we worked so hard to buy. On XX/XX/XXXX, we received a check for {$200.00} from Wells Fargo Home Mortgage as compensation for their wrongfully repossessing homes such as ours. I called Wells Fargo Home Mortgage upon receiving the check for {$200.00} and told them that was inadequate compensation for them taking our home. I received another letter from Wells Fargo on XX/XX/XXXX with a reminder to cash the check for Wells Fargo account number : XXXX. I do not want to cash this check as I feel cashing this check acknowledges my acceptance of their compensation. I do not feel {$200.00} is appropriate compensation. If we had been given fair consideration to save our home we could have our home at this time and would have significantly gained financially as a result of our home purchased, current market price on the home we lost is estimated at {$350000.00}. We are seeking more than {$200.00}. Our understanding is that the enforcement action against Wells Fargo for mortgage repossession victims would be more like {$24000.00}. This is what we are requesting. We appreciate your help.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (KS)

I have 3 checking accounts with US Bank, of XXXX. 2 are for my college enrolled daughters. 
They are charging me {$6.00} a month if I don't have {$1500.00} in direct deposits each month. 
I was not aware of this until I caught it in my statement. 
When I complained, they said they would wave the fee, if I got a credit card with them. 
So only if I get another product from them, will they correct the first product. 
I have been a customer since 2017. 
How many times have they charged me this fee without me knowing? 
And then charged me {$36.00} overdraft fees when my account is negative, because they took {$6.00} out without me knowing.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MI)

this Wells Fargo credit account has been charged off. so this means that Wells Fargo has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX
Consumer complaint received 2024-04-13
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. (GA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately ( XXXX and Experian ). XXXX has already deleted these items. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me to delete these illegal accounts from my credit reports ( XXXX and Experian ).
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian sent me an unsolicited copy of my credit report dated XX/XX/2024. I have already told Experian to cease and desist and stop contacting me and to lock the fraudulent, and slanderous " report ''. When I call to complain they only have XXXX XXXX with no agency on the phone who talk down to me and demand that I do things on their behalf. Clearly there is some international conspiracy to avoid legal repercussions by the criminal " banking system ''. For the last time. I HAVE NEVER MADE A SINGLE LATE PAYMENT TO A CREDITOR - EVER! I DEPOSITED COLLATERAL WITH A MAJOR US INSTITUTION WITH SPECIFIC CLEARANCE FROM THE SEC TO MAKE SUCH DEALS. THEY THEN IMMEDIATELY DEFAULTED ON THEIR OBLIGATION TO REPAY MY COLLATERAL. THEREFORE ALL THESE " CREDITORS '' ON THE REPORT ARE ACTUALLY CURRENTLY INDEBTED TO ME, AND IN DEFAULT BECAUSE OUR COUNTERPARTY, THE BANK, HAS FAILED AND NEEDS TO BE PLACED INTO LIQUIDATION. I WILL NOT BE MAKING ANY FURTHER PAYMENTS UNTIL MY COLLATERAL IS RETURNED. I WILL NEVER DO BUSINESS WITH ANY OF THEM AGAIN, AND THERE WILL BE NO SETTLEMENT UNTIL ADDITIONAL ARRESTS ARE MADE. I AM COOPERATING WITH ALL LAW ENFORCEMENT EFFORTS TO PROSECUTE THIS MAJOR AND ONGOING CRIME. NOW STOP CONTACTING ME, AND GO XXXX YOURSELVES. I DON'T CARE ABOUT THE INTIMIDATION LAW FAIR THEY ARE WAGING ON ME, BECAUSE GUESS WHAT, THE BANIK FAILED AND THERE IS NO MONEY IN IT ANYWAY. GET YOUR NO CONTEST JUDGEMENT AGAINST ME. I DONT XXXX CARE. MY BANK ACCOUNTS ARE ON XXXX OR NEGATIVE. YOU WILL NEVER COLLECT A CENT. BY THE WAY, I'VE RETURNED OVER 250 % A YEAR FOR A XXXX DECADE, AND CAN EASILY AFFORD XXXX XXXX XXXX LOANS. YOU COULD HAVE MADE SO MUCH MONEY FROM ME, IF YOU WEREN'T ENGAGED IN XXXX XXXX! I DON'T NEED YOU AT ALL! XXXX XXXX! LEAVE ME ALONE!
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TN)

My RobinHood account has been restricted. I keep submitting the documents they ask for and nothing is being accomplished. Today ( XX/XX/2024 ) I have credit card bills due and I can not pay them because of my account restriction. This is going to damage my credit score and cause me to incur late fees. Furthermore my paycheck was rejected due to the account restriction, causing another set of spiraling problems. 

I've been reading about others have said that had this same problem and Robinhood stated " ... We are unable to verify the legitimacy of the remaining funds in your account. Therefore no money remains to be returned to you. '' This would be absolutely devastating if my money is seized. I just feel immensely helpless.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

I called the original servicer ( Rushmore Loan Management ) to get a payoff quote. I was directed to call the company 's attorneys " XXXX XXXX ''. I called & emailed the company 's attorneys in XXXX XXXX & again XXXX XXXX ; but haven't received a response. Suddenly a 2nd mortgage account for Nationstar Mortgage, LLC, appears on my credit report. When I tried to call the company listed on XXXX XXXX, their contact number is nonexistent. After doing further research, I found that Nationstar was bought out by Mr. Cooper Group. When I call Mr. Cooper Group I receive an automated recording telling me that I've called the wrong company ; I need to call Rushmore. Call Rushmore & again I'm directed to call their attorneys. Called the attorneys & found out that the firm & Mr. Cooper Group merged in XX/XX/XXXX. Mr. Cooper Group also bought Rushmore 's servicing platform XX/XX/XXXX. I keep getting the runaround.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I filed a dispute of {$700.00} for the purchase of a bed. The bed was incomplete ( missing the headboard ) when I received it and the merchant was notified. 

Capital one has failed to protect my charge back rights and or investigate this claim on two separate occasions. 

The second time stating that because I used cashapp ( a third party ) they wont help yet if I used XXXX they would and have in the past. 

That is an inconsistent practice and fails to protect me as the customer. This purchase was made using my DEBIT card with a XXXX logo and as such I am entitled to chargeback rights and to have them charge back this transaction. 

XXXX refused to file a chargeback on this transaction and failed to assist when advised of the situation. 

Furthermore capital one was given over 31 screenshots of proof of the issue with the transaction which they acknowledge receiving. So they are aware the merchandise was not delivered. 

The claim # s are XXXX and XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

On ( XX/XX/2024 ), I sent a letter to ( COMENITY BANK/TORRID ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( COMENITY BANK/TORRID ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premier Auto Credit (CA)

On ( XX/XX/year> ), I sent a letter to ( PREMIER AUTO CREDIT ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( PREMIER AUTO CREDIT ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/year> ), along with an updated FTC identity theft report.
Consumer complaint received 2024-04-14
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
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: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segmenXXXX 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 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
Consumer complaint received 2024-02-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

Urgent : Unexplained Closure of Marcus ' Account and Lack of Communication Regarding Fund Return Details : I have been using Marcus since XXXX and as of XX/XX/XXXX, I have a total of {$72000.00} in that account including a savings account of {$5000.00} and a CD account of ~ {$67000.00}. A couple of days ago, I selected the option to close the CD account when it mature this month and selected the option to transfer funds from my CD account to the savings account with Marcus. 

On the morning of XX/XX/XXXX, I noticed that my Marcus account was locked after trying to log in with my correct password. So on the morning of XX/XX/XXXX, I called the phone number provided on the Marcus website to try to unlock my account. After getting transferred to an account closure specialist, I was informed that my account was closed for some business reason and that they were unable to provide any explanations or notifications. I asked the specialist to connect me with her supervisor and I got connected with that supervisor. On the phone, that supervisor told me my savings account was " to be closed '' and the fund would be returned to either my original bank account or through mail. 

During our conversation, I asked her to provide the reason for account closure, and she said no reason. I asked her to inform me of the timeline of account closure given she mentioned the account is " to be closed '' ( i.e. when the account will be closed ) and she said no information on that. I asked her to unlock my account if it was not closed as of now, and she said she could not do that. I asked her whether the funds would be returned via online transfer or mail, but she could not provide any information on that. I asked her when my fund would be turned in via online transfer or mail after the account closed, and she could not provide any information. I asked her for formal communication via email listing out the timeline and way of the fund return, but she told me nobody in the firm could help me with that. 

Here are the major problems : 1 ) No notification / official emails in regards to the account closure, 2 ) No timeline and way of fund returning was provided ( i.e. I don't know when I will get my money back and where I am getting my money back ) and I am not sure when I can get my money back and how Impact / Concerns from the problems : 1 ) Liquidity : I have some travel plans and family matters in the upcoming month and need liquidity from this account to pay for those events ; 2 ) Security : I am not aware of where is my money and have no access to them. And Goldman Sachs refused to provide any details or timeline or method to solve the problem, which is unacceptable.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX - Open an account at Chase - XXXX XXXX XXXX XXXX XXXX XXXX, NY. Told an account opening bonus of {$100.00} would be applied to the account. 
XX/XX/XXXX - Head into Chase Bank XXXX with other account issues, ask about the account opening bonus, XXXX XXXX tells me the account has no active coupon, but it would be taken care of. 
XXXX Call Chase Bank XXXX XXXX told XXXX was " in a meeting '' and to expect a call back as soon as he is done ( receive no call back ) XX/XX/XXXX - Call Chase Bank XXXX again was told XXXX would busy and would give me a call back when he was done XX/XX/XXXX - Call XXXX direct office number leave a voice mail and get no response XXXX Call Chase Bank ( customer service line ), they tell me no complaint has ever been opened, and proceed to allegedly open a complaint. Tell me to expect a call back in 2-3 business days. ( No call back ) XX/XX/XXXX - Call Chase Bank ( customer service line ), they tell me no complaint has ever been opened on the matter, allegedly open another complaint ( refuse to give me anything in writing saying a complaint has been made ). I was told there was nothing I could do to investigate or resolve this issue other than wait and pray for a call.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX and XX/XX/XXXX inquiries from XXXXXXXX XXXX XXXX have appeared on my TransUnion credit report but I didn't apply for credit with this organization. 

On XX/XX/XXXX an inquiry from XXXX XXXX XXXX XXXX appeared on my TransUnion credit report but I didn't apply for credit with this organization.