davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (TX)

I requested a wire transfer from Discover Bank to XXXX XXXX XXXXXXXX on XX/XX/XXXX for {$2600.00}. Transfer was the earnest money being sent to Title company for my first home purchase. 

I was contacted by Discover Bank on XX/XX/XXXX, to confirm my details like Name and DOB. Funds were withdrawn from my account on the same day. 

XX/XX/XXXX, I contact Title Company and tell them check their account for the money. They can not find the transfer. 
I contact Discover Bank, they tell me to wait XXXX XXXX business days for transfer to complete. 
Title Company recommends I contact Discover to verify transfer details are correct. 

XX/XX/XXXX, I contact Discover Bank Wire Transfer Department, reconfirm account number and Routing numbers and other details are correct. 
Considering they may have provided the wrong information, I also confirm transfer details with Title Company Receiving funds. 

XX/XX/XXXX, I contact Discover again and they claim transaction is complete giving me a " Fedwire number '', I provide this number to the Title Company. They feed this information to XXXX XXXX XXXX wire transfer. They tell them that the number provided is not a XXXX number. 


XXXX XXXX I wait for transaction to settle. 

XX/XX/XXXX XXXXitle Company calls me, let me know that the deal will fall through if I don't send the money by Friday. Seller was ready to back out. 
I call Discover Bank ask about the wire transfer. They say the funds are at the Fed. 
That they have done all they can, and they can't help me anymore. 


XX/XX/XXXX I initiate another wire transfer for the same amount {$2600.00}, from another personal account in Discover Bank. 
Title company contacts me to let me know they have received the money. Saving the deal. 

I contact Discover Bank, to initiate a recall on the first wire transfer. 
I don't receive an email or confirmation about it. 


XX/XX/XXXX XXXX contact Discover Bank as to the status of the wire transfer recall. 
They say that maybe the transfer is " stuck '' at XXXX XXXX XXXXXXXX wire department. 
They suggest I contact XXXX XXXX XXXXXXXX. I feed this information back to the Title Company. 

XX/XX/XXXX Still no solution...
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (OH)

I tried three times to fix this with this company. I had tried to dispute Trident asset management even through the credit bureaus. It comes back every single time as verified. I never received any information on how this could be verified as I have never had an account with XXXX XXXX XXXX. I asked if they could please send me a signed application which showed that this was taken out. I never get anything. This has been on my credit report since 2019 and its not fair that they dont verify and can still keep the on my credit report. If they are collecting for XXXX XXXX, they should have information. I was a victim of identity theft in 2019 and it may stem from this while I rented my home out. They were notified of this also.
Consumer complaint received 2022-05-21
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. (FL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00}, XXXX XXXX - XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX - XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (TN)

MoneyLion is a new bank that was offering a 'Pave the Wage ' promotion to join. The promo was 17 % of initial direct deposit, up to a max of {$590.00}. I signed up and opted-in to the promotion and made my first direct deposit on XX/XX/2019. I never got a confirmation, so I emailed the company to make sure I was eligible. The reply states I would be opted in to the promotion. I then made continuous direct deposits of my pay every 4 weeks. The promo states the {$590.00} bonus would be paid at 90 days. 

It has been well over 90 days and no bonus. I tried to contact the company by email, XXXX XXXX, XXXX XXXX, and using their online help. I have not received a single reply. 

And, within the last week, the company raised {$XXXX} XXXX dollars and now has a valuation of $ XXXX. 

Terms : XXXX XXXX XXXX  Copy of email : XXXX XX/XX/2019, XXXX XXXX Hello, Thank you for your response! 

I have submitted your information to be included to be opted in. We appreciate your patience! 

Best Regards, MoneyLion Support Team
Consumer complaint received 2023-10-23
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. (OK)

I sent a letter to remove items that are 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 accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I was working with this company and the account was closed in XXXX. They are still reporting late payments on my credit report while the account is closed. They report late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the account has been closed since XXXX.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2023-10-26
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. (AZ)

This complaint is being filed in response to TransUnion being fined by the CFPB and FTC in XX/XX/ for its perpetual wrongdoing to consumers and violating the Fair Credit Reporting Act. I am affected by their unfair and unlawful practices. A joint account from XXXX XXXX XXXX XXXX XXXX  ) was deleted by XXXX after it was disputed. I requested that the same account also be deleted from my TransUnion credit file in order to be in compliance with the FCRA. However, my request was repeatedly denied and the account wrongfully continues to be reported. TransUnion 's actions reporting this inaccurate information is having an adverse effect on my credit report when applying for any type of loan. I respectfully ask that the CFPB enforces the FCRA on my behalf and instructs TransUnion to immediately delete the XXXX account. I also want to be fully financially compensated from the CFPB 's Order as allowed by law.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

On XXXX I went to my local walgreens pharmacy store to pick up my prescription. As usual, I click confirm pickup and also bought medical equipment with the pharmacist. The pharmacist told me to enter my social security number which was new to me, so I did as I thought it was just a new process of picking up my medication to match my records on file. When I got back home and checked my email, I saw an email regarding a new credit card has successfully been accepted in my name. I remember I didn't sign a document for a credit application nor talk to a professional financial expert at walgreens for this store credit card. Therefore, I am submitting a complaint with CFPB as I didn't authorize for a credit card at walgreens.
Consumer complaint received 2024-03-12
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly remove the following items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

After my wedding on Thursday XX/XX/2023, I went to a Chase branch to deposit all of the gift money that I received. I specifically went to the branch located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, slightly before XXXX EST time on Friday, XX/XX/2023. 

I tried to deposit a total of {$28000.00} into a Chase ATM at the branch as soon as I got there. The first deposit of {$5400.00} in cash of all XXXX dollar bills went through. I then tried to deposit the rest of the funds, which totaled to {$23000.00}, in cash ( multiple denominations- XXXX, XXXX, XXXX, XXXX, XXXX ) and checks. During the transaction, the Chase ATM confirmed the total amount, and I then pressed a touch screen button on the ATM to finalize the deposit. Although, the ATM froze after this, and then dispensed some/all the checks back to me ( I do not know if it was all of the checks, since there were many and I did not count exactly how many there were ), but did not dispense any of the cash back. As soon as this transaction failed and the checks were dispensed, the ATM printed out a receipt, and then I immediately asked a worker at the branch for help, who then told me that there was nothing that they could do, and to call Chase and file a claim. 

The total amount in checks that I got back from the failed deposit was {$10000.00}, which I then went to a teller at the branch and deposited, but there is still {$13000.00} that I inserted into the ATM that I do not see in my account. This money was swallowed by the ATM. 

I had to call Chase multiple times, and for some reason there were XXXX claims filed - I was told the first claim was filed incorrectly ( was not even given an explanation as to why ). 
In addition, Chase did not provide any helpful information to me on what kind of investigation they will perform to ensure that my account is properly credited, and I have not received any written email/messages from Chase yet to ensure that I will be made whole. I do not have any assurance that my funds will be given back to me, and I believe that they told me that a third party company is the one that reconciles their ATM amounts- how do I know that this third party company won't just take my money and tell Chase that the money I deposited was never actually deposited? 

First Claim number : XXXX Second claim number : XXXX
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

Comenity company has bought out all my store cards XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I originally applied for the card with the store. However, Comenity bought out all my accounts and now I make my payments to Comenity. Now, Comenity is sabotaging my credit score and credit report. They decided to drop all credit lines since I had a deregotory mark on my credit report ( I had a XXXX XXXX bill placed in Collections ). However, I have made my payments on time and was building my credit. We are trying to purchase a home and now our dreams have been destroyed by this company. Their customer service is over seas and they are unable to assist. 
A company should not have a monopoly on all credit cards and then have the ability to drop all my credit lines.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate. 
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 XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

I was a XXXX customer for XXXX. We used their service yet reported on numerous occassions that we wished to cancel their services for killing our grass. 

We stopped using them XX/XX/XXXX. 

We moved to XXXX XXXX  and sold our home in XXXX XXXX XXXX said they treated our former XXXXXXXX XXXX home twice in XXXX. 

After several calls, they agreed to remove the charges. 

I received this collection notice from I.C. Systems Inc., XXXX XXXX XXXX, XXXX XXXX MN XXXX for {$56.00} I am XXXX XXXX XXXX and believe this harassment for an attempt at collections is a violation of XXXX XXXX  - Financial.