davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report XXXX This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :
Consumer complaint received 2023-05-25
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)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them 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
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I have filed two CFPB complaints # XXXX-XXXX  on XX/XX/XXXX, and # XXXX-XXXX  on XX/XX/XXXX. 
Both were closed when Chase Bank replied to the complaints. I would like the complains to be reopened. I provided feedback to the replies for the second complaint, but it seems that my feedback has no effect to reopen the complaint. 
As I stated in my feedback, Chase 's response to my complaint was totally inadequate. They " SUSPENDED '' my fund 's and offered no method for me to receive them, or have them returned to the issuers. 
I have called the Chase Executive Office numerous times at the number at the bottom of their reply, and was given the extension number for a man named XXXX at XXXX. 
I have called the extension numerous times, and each time I have left a voice message explaining my case, but have not received a return call. 
I would like my complaints to be reopened so that Chase would have to reply to my feedback/ complaint.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  has a XXXX XXXX  account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXX XXXX  also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX has went to collections for XXXX XXXX  XXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXXXXXX XXXX  XXXX is placed in collection XXXXXXXX XXXX
Consumer complaint received 2023-06-07
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. (PA)

XXXX XXXX  has a XXXX XXXX account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXXXXXX XXXX also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX has went to collections for XXXX XXXX XXXXXXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXXXXXX XXXX  XXXX is placed in collection XXXX XXXX
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FACTUAL DATA CORP. (WI)

Filed bankruptcy in 2016. 

XXXX XXXX XXXX is still reporting balance of {$120.00} XXXX XXXX XXXX is still reporting balance of {$120.00}
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (OR)

The company locked my account for no reason, I paid all balance but reported it as late payment, never been late, and should should show " pays as agreed '', also, i just closed my account because i don't trust them ( XXXX XXXX )
Consumer complaint received 2020-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX and XXXX XXXX. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX XXXX! 
I would also like to point out that on XX/XX/2019 - I filed a dispute with Coinbase.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CT)

I was charged XXXX every month since XX/XX/XXXX without my consent by Experian for credit monitoring. I never inputted my credit card information to be charged monthly. I attempted to call customer services however I was never able to get through to a person for months to figure out how to cancel this membership. 

After finding a post on an online forum from another person who had a similar problem I was able to cancel my membership on XX/XX/XXXX for Experian IdentityWorks Premium. My premium membership ended on XX/XX/2020. 

I have contacted Experian and discussed how I never agreed to have credit monitoring and I wanted to be refunded for every charge since XX/XX/XXXX. This Includes XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They simply stated there was nothing they could do. They said if I didnt sign up for this then someone must have stolen my identity and signed me up for the monitoring service. No one stole my identity, I tried to tell them that Experian signed me up unknowingly and without my explicit consent. 

Experian did refund me for the month of XXXX. I am still looking to get refunded for the other 6 months totaling XXXX. 

I attempted to use my visa credit card services to reverse the charges however they stated " regulations governing credit card transactions allow member banks a number of weeks to assist you with any discrepancies on your account. When we received your letter, the time had elapsed for use to obtain credit to your account ''
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

I have stellar credit carrying 6 percent utilization and all my synchrony bank cards had 0 balances and were paid on time. Synchrony bank closed 4 of my accounts and stated high risk as the reason. No warning and no specific reasons
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is denying my rights under FCRA to file an online dispute, credit report and credit score. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA is not providing a way for consumers to close their credit card accounts. I tried unsuccessfully via their app, website, chat, secured message and via phone at XXXX. Even after calling on the phone, the phone representative told me she could not cancel the account and the team that could was unavailable. She would not provide me a direct number to that account.
Consumer complaint received 2023-01-17
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. (MD)

My name is 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 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax is denying my rights under FCRA to file an online dispute, credit score and report. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

My mother committed XXXX  almost 3 weeks ago. She was a Wells Fargo customer and we found out as we started going through her affairs that she had set up all of her financial obligations on auto-pay to try to make things easier for me, her only son. 

I am also a Wells Fargo customer and stopped by my local branch to discuss her account and see what needed to be done. My mom had me listed as POD and the sole beneficiary for her account. They said they needed a death certificate and then could give me access to statements and to have the ability to administer her account. 

After speaking with the coroner I was notified that because she took her own life that an autopsy and toxicology report would have to be done and the official death certificate would likely take 4 months. 

I went back to another branch with what paperwork I did have at the time which was a notarized letter of cremation from the funeral director and a statement of death by a funeral directory which I'm told is what they send to social security. 

On the second visit I sat down with a banker and told him my concerns. I needed to make sure her auto-pays stay active for the time being and that I can see statements to make sure no fraud is occurring while we sort out her affairs and go through probate. 

The banker called the Estate Department and they reviewed my documents. I told them that was likely all I would have for quite some time and asked if they could help make sure everything stayed in place. 

Not only did they not help, they immediately froze her account and turned off her auto-pays and blocked the brokerage transfers she set up to keep the account funded. I basically begged them to work with me and asked if there was anything we could do to vet the situation ... .they came back saying " policy is policy. '' My local banker could clearly see the situation and that this was a com-passionless response that would make my families life worse. He escalated the situation and a day or two later I spoke to their resolution team. Same response ... '' policy is policy '', come back with a death certificate. 

As of right now her mortgage, power, gas, water, car insurance, and homeowners insurance payments have all been stopped even though she intentionally put all those in place to try to make my life a little easier knowing what she was about to do. 

I am POD and beneficiary and Wells Fargo has made no attempt to work with me and intentionally froze the account as I pleaded with them to find another way. Again, I am a longstanding Wells Fargo customer too and they had all my information. 

We now have to track down all of mom 's bills, pay late fees, and try to pay her mortgage and ours along with all the legal fees and everything else out of pocket which has caused an unnecessary hardship in our time of grief. Worst customer service I have ever experienced and I will be closing both our accounts as soon as it's practical.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

Have 6 transaction in one day, but only enough funds to cover 5 transaction, But chase charge me 3 overdraft fees ( which the agent told me was the max they can charge for the day ). They said they processed the largest transaction first, but the largest transaction will not cover the funds available.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my XXXX XXXX and equifax reports.
Consumer complaint received 2020-03-07
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. (NJ)

There is an account on my Experian Credit that belongs to my father. I and my father have the same name and some of his accounts are reporting on my personal credit. I talked to Experian representative and also send a mail stating that this account is my fathers but they ignored it and did not send me a full investigation on this account. I need this account to be removed asap. Account : XXXX XXXX XXXX   XXXX
Consumer complaint received 2023-05-25
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)

To Whom It May Concern : This account has been inaccurately reporting. This account is reporting differently across all three credit bureaus, yet all three bureaus deem their information to be 100 % accurate. It is in fact impossible for all three credit bureaus to be correct. Payment History, Account Type, and All Lenders Contact Information both Address & Phone Number are reporting differently on this account. I demand that this inaccurate account be removed from my consumer report immediately upon notice of this dispute, as it is my right as a consumer to receive accurate reporting. 

I am aware of XXXX XXXX previous lawsuit due to reporting inaccurate or incomplete information and see that my account is also reporting inaccurate and the credit bureaus are also at fault for not thoroughly investigating my disputes!
Consumer complaint received 2020-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (NJ)

I use transferwise as my regular checking account I to which my employer pays my wages. My employer has so far made regular deposits into my account since XXXX and every time the bank holds the deposit as pending and I dont have access to my own cash for up to 4/5 days. 

When Ive called and messaged them via their XXXX chat option they revert to repeating that sometimes need to do checks to satisfy regulators. However, this has happened every single time and they cant explain why or how long these checks should take. Which leaves me waiting indefinitely to access my own cash. 

Its now in a situation where my rent is late and Ill will begin incurring fees associated with this. And they arent able to offer me a solution other than to continue no use waiting. 

Please help
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (GA)

I have NEVER been late on paying GM financial- in fact Ive been paid ahead with XXXX balance for well over a year. They refuse to correct it! I will NEVER buy another GM product- we buy XXXX now. This is ridiculous to damage my credit like this and Ive been paid up AHEAD for over a year??!! These people are jerks and ruthless- they need to be investigated by the government! They kee reporting x1-30 day  late payments from XX/XX/XXXX & XX/XX/XXXX. One for each year. Ridiculous- scam so they can finance you later at higher rates - always begging you to buy or trade in on a new truck. What a SCAM.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2020-03-05
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: Santander Consumer USA Holdings Inc. (NJ)

Lender : Santander Consumer USA Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX Santander Consumer USA has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX. I recently reviewed my XXXX, XXXX and Equifax credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BWW Law Group, LLC (VA)

i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XXXX, XXXX, 2020 again, by BWW LAW GROUP , LLC. alleged plaintiff 's counsel for XXXX XXXX XXXX XXXX, I ; never had any contract with XXXX XXXX XXXX XXXX, i do not know the CEO, none of their information such as, address, telephone number, name, email, web site. in order to settle any debt that is true, due, and owing. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX ; XXXX XXXX The XXXX for XXXX  XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Your financial institution of Wells Fargo bank mailed in a billing statement with the wrong amount. The amount showing on the billing statement is a positive balance of {$480.00}. How can I pay something in a positive amount? For example lets say I open a bank account and deposit {$1000.00} dollars, I know I have {$1000.00} dollars in the bank. Why? Because the bank statement shows an amount of {$1000.00} at the bottom of my bank statement. When the account is overdrawn and it says XXXX, I know I owe the bank {$500.00} dollars. So why when my monthly bill comes, it is in a positive amount? This is very misleading.