davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I have been trying to transfer my mortgage proceeds out of my checking account and into a savings account at a different bank. I was able to transfer roughly 85 % out to this separate account, but have spent the past week trying to get the remainder out. Each time I try to transfer, Chase cancels the transaction and deleted the account from my approved transfer list. Each time I have called chase and they have told me I need to use a wire transfer, which incurs a fee. They have repeatedly told me the only way to get my money out of the account is to pay this fee. 

Ive spent over 2 hours on the phone with them in the last week and they have not been able to tell me what the issue is- they just keep repeating that I need to pay the wire fee.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have all of my accounts with Bank of America. On XX/XX/2022, a vendor refunded {$10000.00} to me, by way of the Bank of America Visa credit card I had initially used for the transaction. The card is paid monthly in full ; I do not incur interest on my charges ( the card is used primarily for regular contributions to charities and the vendor transaction at issue was a one-off ). The refund resulted in a balance in my favor of over {$8600.00} ( the Bank owed XXXX money ). On XX/XX/2022, I transferred the {$10000.00} refund to my savings account at Bank of America. On XX/XX/2022, Bank of America assessed a {$500.00} loan fee. The Bank also assessed interest, but agreed to withdraw those charges. It refuses to reverse the loan fee because its system recognizes the {$10000.00} transfer as a cash advance ; claiming that they can do nothing about it the {$500.00} fee. 

I did not borrow {$10000.00}. I received {$10000.00} in XXXX of my Bank of America accounts and then put it into another of my Bank of America accounts. Bank of America did not loan me XXXX cent and incurred no risk or liability. Interestingly, Bank of America folk tell me that if I had only telephoned the Bank and asked a Bank person to make the transfer, rather than doing it electronically online ( which I am allowed to do ), there would have been no fee. This suggests that there is a button to push but that I, the consumer, am not allowed to push it. This sounds like theft and a gotcha to me.
Consumer complaint received 2023-04-26
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. (TX)

This complaint is for TRANSUNION. I sent them a letter regarding the inaccuracies in my report last XX/XX/2023 due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that I have the right to privacy. 15 U.S.C 1
681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 

I have also attached and FTC report as the proof that the XXXX XXXX account XXXX has been reporting fraudulent charges and information.
Consumer complaint received 2023-12-27
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX unauthorized fraudulent accounts where opened XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ unauthorized inquired include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent address linked to fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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. (PA)

The credit card I have is XXXX XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (PA)

I have unauthorized inquires on my credit report. 

XXXX XXXX XXXX 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 2023-09-26
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-27
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
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. (NJ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

I am the heir of a property with a mortgage serviced by Newrez. Newrez took over servicing on the mortgage from XXXX XXXX on XX/XX/2023. XXXX XXXX had already recognized me as the authorized representative of the estate ( as of XX/XX/2023 ) I contacted Newrez on XX/XX/2023 to change the name on the mortgage because I am now the sole owner of the house and the estate has been closed/discharged by the court. I have all necessary legal papers to prove ownership and final disposition of the estate. 
Newrez provided the following information ; XXXX. I was told I could not change the name on the mortgage and it must stay in the estates name. 
XXXX. I was told they had no record of me being the legal representative for the estate or the mortgage. 
XXXX. I was told I must have a property insurance policy in the name of the estate. I am the legal owner of the property therefore the insurance is in my name but the estate is a named as an additional interest in the property insurance. That was not acceptable according the the letter I received from Newrez on XX/XX/2023 XXXX. When I asked to escalate the case the Newrez call center representative said I had no standing to escalate and that no one in the company could help me. Said I must accept that the only name on the account can be the estate 's name. The call center representative told me my only recourse was to seek legal counsel at my own expense.
Consumer complaint received 2024-04-02
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. (CT)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-02
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. (MO)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

wrong address on file! I have wrote them several times I have certified mail receipts ... .I might need to be considered in the lawsuit against the bureaus the one from XXXX ... .update and correct my address or I will file lawsuits for inaccurate infomation I cant get insurance because of these address errors.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Wife passed in XX/XX/2019. At that time, when I submitted credit applications, I was listed as dead. I finally got it straightened out, or so I though. I keep seeing my length of credit 3 years and months old with my oldest account being XXXX XXXX XXXX. I am almost XXXX XXXX XXXX and have had credit since I was XXXX. Would like all three credit bureaus review my records and correct so that I might just have a better credit report.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX OH XXXX the above accounts are not correct. I have challenged them before.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed on XX/XX/2023 and in XX/XX/2023 the derogatory mark on my credit report. that is currently listed on my TransUnion. The wrong information remains on my credit report and continues to negatively impact my credit score. The continued listing of this late payment proof that their procedures have not been adequate in this case and did not provided within the legal time frame with the steps and resolotion of their investigation.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (LA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer 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.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX  I was charged $ {$74.00} in overdraft fees for " pending '' transactions without my account ever being truly overdrawn on the statement. When I asked to provide more information, they told me it is due to overnight processing and that they " predicted '' my account being in the negative. I called and asked to provide me details as to why and if they can reverse the fees since my account was never overdrawn. The call was escalated to a manager so I can make sure they understood my issue. XXXX ( manager ) was extremely rude, kept telling me that i was interrupting him when I was asking him to explain what happened. XXXX asked me to pull up an overdraft notice which had a different balance on it that what I would see online or through the mobile app. when I asked him how this is different, he said I was interrupting him, when I asked to speak to his manager he said no and hung up on me. I called again and they reversed one of the overdraft fees but not the other because they have a 1 fee max reversal policy. I feel like this is abusive practices when the account holder is not able avoid this fee. 

My ending balance on XX/XX/XXXX  was {$51.00}, XX/XX/XXXX  was {$11.00} and on XX/XX/XXXX  {$1200.00} so I am a little confused to why I would be charged overdraft fees when my account was never really overdrawn.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, XXXX XXXX & Equifax By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX auto detailing with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen my information and opened a capital one quicksilver credit card with a limit of {$300.00} in XX/XX/2023. I called all credit Bureaus and capital one to report the fraudulent transaction. I requested capital one to send me a copy of that application so I may take it to the police to press charges but they explained to me that they can not do that. I have opened a case with the XXXX XXXX police dept with case number XXXX
Consumer complaint received 2023-12-27
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. (NJ)

HIS IS AN ADDENDUM TO THE PREVIOUS SENT FEED BACK FOR THE CLOSE COMPLAINT # XXXX This response to the now CLOSED complaint feedback is necessary due to the fact that there are many discrepancies in the chain of events claimed within the COMPANY 'S RESPONSE and attachments submitted. I am asking the CFBP to reopen this claim due to the reasons stated herein and the NEWLY SUBMITTED ATTACHMENTS submitted with this complaint/addendum and feedback. For the record, I was never sent a copy of said adjudication by the Superior Court Judg assigned to this case, nor was I sent any documentation by the Plaintiff in this case. This court has made an error in stating that this motion was unopposed. See attachment of my rebuttal motion filed with the court on XX/XX/2023. This is an unjust ruling and i demand evidence and proof of mailing that any documents of a ruling was sent to me pertaining to this ruling by plaintiff as stated in the ruling and by law. There was an arbitration clause between plaintiff and XXXX XXXX which should have led to an immediate dismissal of plaintiff 's claims. For the record I DO NOT have a signed contract and agreement with with said Plaintiff. My due rights process and rights to appeal this decision was denied to me by the court clerk on said date not filing all of my paperwork as well as offering me legal advice by stating that i " did not need to file all of that paperwork '' and not sending me ANY documentation of these proceedings and subsequent final ruling in order for me to appeal any such ruling I will be issuing a new complaint in relation to this response and uploading the documentation as proof of my claims stated herein. This court is currently committing securities fraud and the Plaintiff and its attorney are acting in concert in committing such fraud. The upload will be marked as stated " XXXX XXXX