davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NJ)

I had done an ACH transfer of {$13000.00} USD from my XXXX  Checking Account to my XXXX XXXX  account ( XXXX ) on XXXX XX/XX/year> and I received an email saying that it would take a maximum of 3 days for the money to reach Wise. On XXXX XX/XX/year>, I tried checking my email to see if I had received any email confirmation that the amount has reached Wise, but did not see any concrete information. I then checked the app which says it would need more time for the money to reach Wise but I do have the option of cancelling the transfer now which would then have the money refunded to my bank account within XXXX days. Hence, I proceeded with the cancellation of the transfer request. Upon having the cancellation approved in the app, I did not receive any notification confirmation from Wise that the refund back to my bank account was to begin. This was concerning. 

Up to this point, on XXXX XX/XX/year>, there is still no signs of the refund being issued. I have contacted customer support multiple times for clear timelines and an investigation to be done on what happened to my funds that exited my bank account and are 'in transit ' to Wise . Yet, I continued to receive generic support to refer to details on their website which is unhelpful to my case.
Consumer complaint received 2023-11-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (NV)

My uncle got an apartment in my name and was evicted. I have been fighting to get this removed from my credit report with no response or help from anyone. 

On XX/XX/XXXX XXXX  {$2000.00} was added to my credit report. and on XXXX I contacted all 3 credit bureaus who said they were going to research and but I never got a response and when I try to dispute it again it just says Unable to submit dispute " This tradeline has already been investigated for a dispute ''
Consumer complaint received 2021-01-11
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)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX/XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I have an Amazon Rewards Credit Card through Synchrony Bank. Every month, my statement is not updated on their website until a payment is due 7 days later. This effectively only gives me 7 days to make a payment, and recently resulted in a late payment and late fee. The only late payment I have ever had in my life, because I didn't check my credit card bill for a week. 

I had them reverse the late fee, but now my credit score is affected. It's not a huge deal, but it is wrong what they are doing and it should be illegal if it isn't already. 

Other than that, very great bank. Hate to complain.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this complaint to bring to your attention that there is inaccurate and incomplete credit information included in my credit report profile, and I believe that your bureau has failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports that are published. As per credit reporting laws, it is mandatory for bureaus to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore, I would like to request a re-investigation of the following information that I believe to be inaccurate : XXXX XXXXXXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$18000.00}. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-01-04
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (VA)

I sent a letter on XX/XX/2024 to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again.XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2024-01-04
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. (FL)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-03-22
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. (OH)

I've disputed through Experian multiple times, for unrecognizable accounts, incorrect spelling of my name, addresses that I've never lived at and incorrect accounts, Experian fails to provide me with any updates and reasons why after I dispute that the account was verified, I never receive a letter on how the account was verified, or any proof on how the account is verified. Also I will dispute with Experian, and they will delete the account but a week later the same account they deleted will be placed back on my credit report. I feel Experian is performing unfair practices by sending out letters stating why and how accounts is being verified.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX  XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXX a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the immediate removal of several accounts on my credit report that are inaccurately marked as charge-offs due to identity theft. I have recently become aware of this fraudulent activity, and I am taking prompt action to rectify the situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : 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 have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have attached supporting documentation, including a copy of the identity theft report filed with the appropriate authorities and any other relevant information. This documentation serves as evidence of the identity theft and supports my request for the aggressive and immediate deletion of these erroneous charge-off entries. 

I understand that, according to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are required to conduct a reasonable investigation into any dispute within 30 days of receiving the dispute. Given the nature of identity theft and the potential harm it can cause to my financial well-being, I request that you expedite this process and take aggressive measures to remove the fraudulent charge-off accounts from my credit report at the earliest possible time. 

I kindly request that you provide written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. Additionally, please ensure that my updated credit report is sent to all entities that have received my credit information within the last six months. 

Your immediate attention to this matter is crucial, and I appreciate your prompt assistance in resolving this identity theft issue. If you require any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

XX/XX/2024 I bought a Google Play gift card from XXXX XXXX. When I tried to redeem it, I got the error message, " We need more info to redeem your gift card. Send us details. '' I was directed to the following form : https : XXXX? XXXX I submitted photos of the gift card ( front and back - scratched off with code revealed ) and my receipt I submitted the name of the store where it was purchased, the code of the gift card, and they city where I purchased said gift card XX/XX/2024 Received a Google Play Support email saying : Thank you for your patience while we reviewed your account. We have identified someinconsistencies with your account and the information that you provided to us. As a result, weare unable to help you redeem these gift cards. 
I submit the support form again to double check the code I submitted I received no response XX/XX/2024 I submit the support form again, submitting the same photos and information XX/XX/2024 I receive the same message : Thank you for your patience while we reviewed your account. We have identified someinconsistencies with your account and the information you provided us. As a result, weare unable to help you redeem these gift cards.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (MO)

I have an entry on my credit report from Consumer Adjustment Co saying I have a collection account for {$230.00} on my XXXX report. I called and spoke with XXXX and Consumer Adjustment Cois unable to find an account for me. I have not gotten any written notices of this debt I don't even know what this is for.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (SC)

XXXX an unknown person applied for a JPMorgan Chase credit card in my name on XX/XX/XXXX XXXX. I received an alert from experian of a hard inquiry on my credit report immediately XXXX. On XX/XX/XXXX I called and spoke to JPMCB credit card fraud line and they were able to stop the credit application. I requested they remove the hard inquiry as fraud and I was promised it would be done in 90 days. 
XXXX. I called back on XX/XX/XXXX and then again in first week of XXXX and on XX/XX/XXXX when the report had still not been removed. 
XXXX. I received a letter from JPMCB credit reporting XXXX that it had been escalated again to XXXX and again promising 90 days. 
XXXX as of today XX/XX/XXXX, the hard inquiry is still on my report. I can see it has pulled down my score. 
XXXX. JPMCB refuses to make another escalation because it has not yet been 90 days since the XXXX escalation, but we are now at 5 months since I requested removal.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

This complaint is in reference to the multiple state and federal violations and non compliant matters regarding the automobile loan contract between I, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Bank ) regarding the vehicle XXXX XXXXXXXX XXXX Non compliance of the Truth in Lending Act 15 USCA No. 1601 et seq- Federal Law/ violations of Regulation Z- Federal Reserve Regulation Violation of the United States 1605 ( c ) Determination of Finance Charge Violation of 12 CFR 226.4 ( a ) Finance Charge ( d ) written disclosure of Total Premium costs Non compliance of FCRA, an amendement of Truth in Lending Act ( TILA ) XXXX XXXX has failed to divulge accurate details for an extensive period of time that is still reported with the main credit bureaus inaccurate information
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I HAD A SALE DATE ON MY HOME ON XXXX XXXX WITH NATION STAR MORTGAGETHAT WAS TRANSFER FROM XXXX XXXX XXXX, TO XXXX, FROM XXXX XXXX XXXX, I APPLIED FOR A LOAN BUT THE LOAN WAS TRANSFERRED, FROM XXXX PLACE TO ANOTHER, SO I REQUESTED " A QUALIFIED WRITTEN REQUEST '', BUT NEVER GOT ARESPONSE, BUT ACCORDING TO THE REAL ESTATE SETTLEMENT PROCEDURES ACT THEY ARE SUPPOSE TO SUPPLY WITH ALL DOCUMENTS PERTAINING TO THE REQUEST, BECAUSE I DO N'T KNOW WHO IS HANDLING THIS LOAN AND MY LOAN MOD REQUEST
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

XXXX has admitted in writing that they failed to manage my escrow account by allowing a lower rate flood insurance to expire after taking over a loan in XXXX and not notifying me of any issues until XXXX after the policy had already been cancelled by insurer. 

I will not pay a higher premium due to XXXX 's negligence in managing this account. They have brazenly threatened to impose financial penalties on my account without acknowledging their system failures which exposes me to unlimited financial risks.
Consumer complaint received 2024-01-04
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX and transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and transunion, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companys Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : 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. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services. 
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