davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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)

Every month I have been pulling my credit report and all the information was wrong, I sent in my ID and Proof of address. They haven't corrected or updated it yet. I also seen that there is wrong information on my credit report that shouldn't be there when it comes to my account. I circled all the incorrect information and asked them to prove it, and I know they cant because it is actually incorrect. Now Im at the point where I am waisting money doing this and now Im seeking reparations, and to correct the late payments on XXXX and remove the other accounts XXXX XXXX and XXXX.
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I was given a check from XXXX XXXX for lost baggage, and I deposited the check at Wells Fargo on the XXXX through a teller. Immediately, the first thing asked was do I work for that company, which seemed off nevertheless I continued to deposit my check and then was told their would be a hold on the funds for a day. On the XXXX {$220.00} was made available and then by the end of the day the money Wells Fargo was made available was then taken out of my account and my check was placed on a further hold now till XX/XX/XXXX. I receive a regular direct deposit from my job as a XXXX  twice a month that is deposited into my Wells Fargo checking account. I have been with Wells Fargo since XXXX  with consistent legit deposits. There is no reason why when I deposit a paper check that I received from an airline company for a claim, it takes this long or I am treated with such prejudice. For the employee to ask me where I work before she proceeded to deposit my check and then for my now to be held for 10 days is outrageous and clearly shows bias and some sort of discrimination. Please assist me in this matter as now Wells Fargo has placed me {$210.00} in the negative because they have taken back the {$220.00} dollars they first made available from the check of XXXX. XXXX
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a credit alert on my XXXX and TransUnion credit accounts on XX/XX/2022. My credit report show shows inquiries by XXXX XXXX I do not recall authorizing XXXX XXXX to use my social security number for no business in reference to obtaining credit cards. I applied under my business EIN # not my social as a matter of fact. I was applying for a business card which on the form states EIN or Social. This misleading, deceptive and Unfair Advertising to the consumer. I had an option to use either my social or EIN. I choose to use my EIN because my business credit is strong. 

If you find that I am remiss, and you did have authorization to inquire and use my ( social security number ) please send me proof of this. I use my EIN number because it was an option on the XXXX  XXXX website and if its not an option then XXXX XXXX is committing fraud under subpart 1603.70 Misleading, Deceptive UnFair Advertising. 

Subpart 1603.70Misleading, Deceptive, or Unfair Advertising This bill restricts online advertising that targets an individual, internet-connected device, or group of individuals or devices based on personal information. Personal information includes information that is reasonably linkable to an individual or connected device such as internet browsing history or the content of communications.1603.7001 Policy. ( b ) OPM discourages advertising that is misleading or deceptive. This in-cludes advertising that is directed at other carriers plans participating in the Program and which uses incomplete or inappropriate comparisons or disparaging or minimizing techniques.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OK)

Discover was billing me for one of there products ( wallet account protection ) without my knowledge. They also went to paperless billing and I never saw any statements. As the owner of the account no effort was made to contact me. The fee was for less than 19 dollars and is affecting my credit score. I've made multiple attempts to clear this up. 
XXXX ( Supervisor ) - stated he was working to get this corrected. He is no longer with the company.
Consumer complaint received 2022-10-31
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. (MI)

XXXX XXXX  XXXX falsely reported a debt stemming from an alleged overdue cable bill with XXXX XXXX in my name. In response to CFPB complaint XXXX XXXX XXXX  XXXX acknowledged that, while it did not own the debt, it was seeking to collect for an alleged amount from XXXX. In CFPB Complaint XXXX I disputed the debt. Moreover I informed XXXX they were not licensed to collect in my state, Michigan. XXXX responded stating it would cease all collection efforts1. However, XXXX has continued to furnish information regarding the alleged collection account to the XXXX The XXXX  have allegedly transmitted disputes to XXXX and " verified '' the continued collection activity despite XXXX making clear it'd ceased all collection activity. Full statement and documentation attached.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I called TD Bank via their online bank account verification phone line on Friday, XX/XX/XXXX at approximately XXXX to report a suspicious withdrawal/transaction in the amount of {$310.00} labeled service charge. 

I was on the line for approximately 30 minutes with both a Customer Service Representative & Manager, who stated that the amount that was UNEXPECTEDLY withdrawn from MY bank account, was regarding a Safety Deposit Box. At no time was I advised that the deposit box, was an old debt that my Ex-Husband and I opened sometime in XXXX. The manager advised that I contact the TD Bank local Branch, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, where the safety box had been opened. Upon calling, I spoke with the Branch Manager, XXXX XXXX, who was ridiculously rude, condescending and when I explained that I am disabled, unable to come into the branch to further discuss this issue and how this debit affected my SSDI FIXED INCOME, XXXX XXXX, could not have been more demeaning when he rudely went on to tell me that because I still had an active bank account ( SINCE XXXX ) the debt was taken out from my account!!! 
After ending that pointless conversation, I called customer service support to report XXXX XXXX and demanded how something like this could happen with NO NOTICE! Interestingly, TD Bank, sent the notification to my old address ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX ). I havent lived at this address since XXXX!!! I just CAN NOT believe that a branch manager wouldnt have verified my current address, etc., before carelessly deducting a debt from my account, simply because I still have an open account! 

Im demanding that the monies in the amount of {$310.00} be replaced IMMEDIATELY and addressed accordingly. My divorce decree states that any accounts/debts be paid by my Ex-Husband. 

I will entirely close my TD Bank account and my current safety deposit box as soon as possible and will deposit my money with a reputable/responsible institution. I also expect that formal employee action be taken with all parties involved!
Consumer complaint received 2023-07-20
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: EMCC Holdings, LLC (CA)

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 account listed without my expressed written consent.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (PA)

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. 


XXXX XXXX XXXX XXXX, has violated my rights. 

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 accurate.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (FL)

HARD INQUIRIES ON MY CREDIT REPORTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have one address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Remove all others XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX. ) My employment is blank. It should be XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
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. (WI)

I filed bankruptcy under the bankruptcy laws of the United States, discharged in XX/XX/XXXX. In that bankruptcy was an account with XXXX XXXX. Since then I have been rebuilding my credit, paying all bills on time with no issues when I get an alert that XXXX XXXX reported my account in XX/XX/XXXX as a write off. Coincidentally they tried to collect from me 30 days ago when I reported to them I filed for bankruptcy. 

I disputed the line item with experian explaining this should have been included in bankruptcy protection - they responded by saying that XXXX XXXX confirmed it was a valid report - how can they do that? Anyone can clearly see the account was included in bankruptcy. 

Please help as this is a violation of my rights as a consumer and Experian is a joke. I called them - you can barely get through and then they gave me a number to call that just loops you right back. I tried to do their online chat, sat there for almost a hour then they say they are too busy right now.
Consumer complaint received 2022-10-31
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-03
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. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

XXXX XXXX Dear XXXX, XXXX : Single Point of Contact at XXXX XXXX XXXX XXXX  # XXXX I am writing to address NO contact received by me from you on 3 separate occasions. 
XXXX. On XX/XX/XXXX from XXXX who requested via email, a call back from you to me. 
XXXX. On XX/XX/XXXX from XXXX in XXXX who requested a call back request via email from you to me XXXX. And lastly from XXXX in TX on XX/XX/XXXX who emailed a specific request via email for a call back from you to me at XXXX XXXX on XX/XX/XXXX. 
After speaking with XXXX, I was taken off the fore bearance, made payment towards my mortgage and a flex modification was put into action. We also discussed the NO CONTACT between Right Path and XXXX XXXX XXXX XXXX  FUND # XXXX. She stated no such communication was in your files and said she emailed XXXX at that time? She assured me you would call me back, going so far as saying XXXX XXXX is very good about calling back. 
I then spoke with XXXX and he informed me that the flex modification was not approved, he offered me a full -on application for a modification. As I was told this was my only option. I again requested a call back as XXXX XXXX you are the Single point of contact for my loan. I requested to speak with you as that is what I was told from XXXX. 
Lastly, I spoke with XXXX I was told my number was blocked because of the bankruptcy being filed. I received no communication that this was the procedure. I did receive an informational statement on XX/XX/XXXX on what I owe, no other information. She updated my account information, telephone, email and physical address and assured me I would receive a call back from XXXX XXXX! 

I am asking if this is a common practice at Right Path to make no attempt to speak with a person who is obviously struggling, and making them think they will lose their house, when an attempt was made to show good faith as well as trying to move forward with a plan to retain the property. 
I am appalled by the lack of communication and the perceived deceptive practice of this servicing company under Mr. Coopers umbrella. 
Please know that Im in contact with the Attorney Generals office and have filed a complaint with CFPB. 

XXXX XXXX
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (FL)

I requested to transfer {$20.00} into my Binance.US account from XXXX XXXX XXXX XXXX and the transactions failed couple of times and you can see the Fail message in my transaction history. When I checked my account transactions with XXXX XXXX XXXX XXXX it shows that you guys took of {$20.00} five times. A total of {$100.00} but in my account its shows {$50.00}. I called community XXXX XXXX XXXX and they told me to reach out to you guys to get that reversed. See attached
Consumer complaint received 2024-03-22
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. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I have the Chase Sapphire Reserve card with my husband. He is the primary and I am an authorized user. We pay $ XXXX annual fee for the card plus $ XXXX annual fee for me to be an auth user on the card. 
XXXX of the benefits that I have and pay for this card is to transfer miles from my ultimate rewards account to travel partners. I am not able to transfer points to partners. I submit the request through the website and it doesn't go through. 
I started calling on XX/XX/XXXXXXXX  and a ticket was submitted to get the issue fixed. I was told it would take 7-10 business days. I called back a few times between XXXXXXXX  to see if anything was fixed, but every time I was told that no one had opened/looked at the ticket yet. XX/XX/XXXX was the XXXX business day, it is still not fixed. I talked to a supervisor that said he would submit another ticket ( this will be the 3rd ticket ). 
I asked for a refund of some of the annual fee since I am not getting the benefits I am paying for, but was told that was not possible. That nothing can be done and the ticket will be worked eventually. 
In the meantime, I have international tickets that I am trying to book with points, that the point amount is increasing as time goes by. It's possible that by the time this issue is fixed ( if it is ), the flights will not be available to book with points, which will cost over {$2000.00} per ticket. 
I have asked every time I call for this to be escalated. Please help to get this escalated. The reason I am an authorized user is to have this ability, but now I do not have it.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (OH)

I have tried to update the name on my checking account in the past, but Truist is uninterested in updating the name on the account without me driving hours to their bank. Now that I can no longer lock the account through their app and my financial safty is at risk, I want the account closed now more than ever. So today, XX/XX/2023, I tried to close the account in question. However, Truist will not close my account, despite me offer to furnish the court order denoting both names in question and the connection between them, and refuse to work with me to establish this connection.