davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
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 — Problem with personal statement of dispute
Company: Synovus Bank (OR)

I have called this company 31 times first progress credit card they refuse to remove highest balance of {$89.00} which is created from annual fee and late fee from not paying annual fee { period } I canceled my account without using the card on XX/XX/XXXX I was told the money order I sent in 16 days prior to due date that they never got. I was told if received after cancellation it would be mailed back to me first progress cashed the money order XX/XX/2021 then sent me a statement stating I made a purchase of {$49.00} and the statement showed {$49.00} was paid off. first progress refuses to remove late payment on credit report and stole my {$49.00} I have been hung up on by supervisors lied to by other supervisors XXXX, XXXX or a couple of the names I remember, telling me that they can not remove the highest balance. they illegally cashed my money order { period } and they are damaging my credit score knowingly. I sent in Goodwill adjustment letters they had said they would fix the incorrect information on my credit reporti they did not I had contacted XXXX and when first progress replied back the stated they fixed it they did not. This company is taking advantage of people lying to the consumer and stealing their money { exclamation-mark } I have all of my paperwork from every single statement they have sent me each month to copies of their response writing XXXX. I also have the receipt for the money order that first progress cashed.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/2023 I attempted to set up a savings account with Ally Bank. I was trying to fund a savings account with the amount of {$150000.00}. but due to some glitches and/or bad advice from Ally support team, this turned into a {$300000.00} funding. The second {$150000.00} over drew my external bank so it bounced back to the external bank right away but unfortunately the initial {$150000.00} which is my money even though i have been requested it be returned for a month has not been returned to my external bank. I have spent countless hours talking and chatting to Ally support team to get my funds returned to no avail. This is money I need for my life living so I am naturally very worried that Ally will not return to the money to my external bank. As its stands now Ally not only will not return my money but my money is in their bank but not referenced to me in an account leaving me no access to my own money.
Consumer complaint received 2023-03-07
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/23 I received a wire transfer from XXXX to my Chase checking account in the U.S. 

The amount of the transfer was XXXXXXXX XXXX and the amount I received was XXXX XXXX 

This works out to an exchange rate of XXXX XXXX XXXX XXXX The exchange rate on that day ( per the XXXX XXXX XXXX ) was XXXXXXXX XXXX XXXX XXXX. So, the net amount in XXXX should have been XXXX 

I called Chase to complain. They said they only receive the funds they dont set the exchange rate. They also said I should contact the originating bank in XXXX. I dont know who that is but I sent an email requesting that information to the law firm in XXXX that sent me the funds. 

Regardless, I still feel Chase is culpable because before I initiated the transfer request I asked chase for information on how to do the transfer and any associated fees ( see document 1 ).

Their response steers you away from using a check and towards using the XXXX XXXX XXXX system. They said they would charge a XXXX} fee but it might be waived depending on the type of account I had ( and they did waive that XXXX fee ). Theres also a footnote that says other financial institutions may charge fees. In this case the originating firm in XXXX charged XXXX  ( see documents XXXX, XXXX, XXXX & XXXX ). 

What Chase doesnt doesnt tell you is that the XXXXXXXX XXXX is a separate entity from Chase and they typically charge a XXXX  % fee for these type of transfers ( see document 3 ). I only learned this after researching the matter when I got less money than expected. Also, there are other transfer options available that are either free or substantially less expensive than XXXX. 

I dont know if Chase XXXX directly, or indirectly, from this hidden charge but I am absolutely certain they knew about it. This makes them an accomplice in what I consider to be a scam. 

If I had known about the XXXX % skim I would have never done the transfer using XXXX
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

This is my second complaint to 5/3 regarding my mortgage. I have experienced nothing but incompetence bordering on negligence. I have follwed the process 3 times over the past 7 months for cancelling my PMI and consistenty am met with no response. I have submitted the form to have a XXXX XXXX XXXX  on three occasions, have recieved email confirmation of the submission, and heard no response. When speaking to representatives in that department, I was told they never recieved any documentation and there was nothing they could do. The following is a timeline of my correspondence with 5/3, for which I have records. ( EH refers to XXXX ; EP  refers to XXXX ) * XX/XX/XXXX XXXX : Me to EP - Sent first email request to cancel PMI based on LTV ratio * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX : 5/3 to Me - Received denial letter outlining next step options * XX/XX/XXXX XXXX : Me to EH - Emailed XXXX  authorization form following instructions on the denial letter ( first attempt ) * HEARD NOTHING FROM 5/3 for 2 months * XX/XX/XXXX XXXX : Me to EH - Sent follow-up email asking for status * XX/XX/XXXX XXXX : EH to Me - Received automated confirmation receipt of email * XX/XX/XXXX XXXX : Me to EP - Sent second email request to cancel PMI based on information received from two seperate customer service reps who told me my LTV ratio was under 80 %, I was specifically told 79.4 % * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX : 5/3 to Me - Recieved denail letter outlining next step options * XX/XX/XXXX XXXX : Me to EP - Sent third email request to cancel PMI explaining what was provided by customer service reps * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX XXXX : EH to Me - Received secure message email explaining that denial is based on principal plus deferral balance * XX/XX/XXXX XXXX : Me to EH - Emailed second XXXX  authorization form ( second attempt ) * XX/XX/XXXX XXXX : EH to Me - Received automated confirmation receipt of email * HEARD NOTHING FROM XXXX for 4 months * XX/XX/XXXX XXXX : Me to EH & EP - Emailed XXXX  authorization form ( third attempt ) * XX/XX/XXXX XXXX : EH & EP to Me - Received automated confirmation receipt of email
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. ( I have attached the documentation of settlement for reference. ) I am continued to be harassed by the creditor telling me they do not do settlements and that I still am responsible for the remaining balance which is not true and is still reporting in error. It is a violation of the Fair Debt Collection Practices Act - which is a Federal Law that limits the behavior an actions of a third-party debt collections who are attempting to collect debts on behalf of another person or entity. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-12-23
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. (GA)

i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Equifax have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (GA)

I received a credit report update on the XXXX XXXX apps credit journey feature and it said I had a new credit card opened in my name, naturally I panicked. I checked the details and it said I have a balance of {$59.00} and the bank is XXXX. The only remembrance of even applying for a credit check was for a XXXX XXXX credit pull because I was looking to finance a tv. However the credit I was approved for was less than I expected and I told them that I rather not open the credit card. I never received the card in the mail and I never activated anything. So you can see where I am confused at.
Consumer complaint received 2023-03-09
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. (PA)

To Whom It May Concern, I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not 100 % agreeing what they are reporting. I know by law from the Fair Credit Reporting Act where it states I have the right to challenge anything I am not aware is accurate. I have reached out to company below who is reporting inaccurate information.

I ask the following accounts be removed right away : XXXX XXXX Acct XXXX XXXX XXXX In accordance with the Fair Credit Reporting act account # 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 states a consumer reporting/agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-23
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: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing Wells Fargo Card service to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m report.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On my credit report I have a large amount of inquiries showing that is affecting my credit rating. The inquiries were for the purchase of a vehicle. From what I read they should all be considered as one inquiry? I have pasted the comment below. 

" All inquiries made within a 14 day timespan for the same type of loan are counted as just one inquiry, so it's best to shop around. '' I would like these inquires consolidated please. Better yet, remove them as I purchased a vehicle. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (WA)

The company wrote a fraudulent statement that I closed this case. I demand a retraction and an actual reporting of any and all collective information including recordings and documents of their investigation.
Consumer complaint received 2022-07-06
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)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian just posted that I was late on a payment for XXXX. 

I made my payment and have the screenshot to prove it that will be provided with this complaint. 

My score dropped over 70 points! 

First I paid off my entire balance. And then there were a few charges so I made a payment of {$1100.00} XX/XX/2021 Today is XX/XX/2021 and they said I am 30 days late for a payment. 

How the heck is that possible. 
Its ridiculous. And very much incorrect. This is an important time for my credit to be high because Im getting a house for myself and now with my credit dropping 70 points its making my life XXXX. 

On top of that they still have not done anything about the incorrect collection on my account. This is ridiculous. 

First my credit dropping because of incorrect info about a collection and now 70 points for incorrect late payment? 

Whats going on with Experian
Consumer complaint received 2024-01-10
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (VA)

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Im trying to make a mobile deposit, but the app is not allowing. When I take the photo doesnt allow to continue, also doesnt allow to writte de amount. 
I tried to fix the issue with customer service, they said I need to reinstall the app. I did it but the issue still there. 
I need to have this fixed asap. 
Thanks
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My interest rate and minimum payment has increased over time, without my knowledge. Only increasing when I started utilizing my credit card. I have called  Capital One  to explain when I signed up I was suppose to have a lock in of  XXXX  minimum, they told me I use my credit card too much and that is why I have an increase in interest and minimum amount due.
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a the predetermined cycle of client losses to gains. 
Money was transferred from my account via wire, and through an intermediary named XXXX in the total amount of XXXX USD
Consumer complaint received 2023-04-02
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. (FL)

In accordance with the Fair Crediting Reporting Act XXXX Account # 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 without my written instructions
Consumer complaint received 2017-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TN)

XXXX  of last yea r (   XXXX  ) I noticed a collection on my account  for CommonWealth. I co ntacted the agency to verify the debt. I was told that I did not have an account with them based on the fact that they could not pull up my name, phone number, or SSN for the account listed on my credit report. At this time I disputed the account with the all three credit bureau 's which resulted in a deletion from my report. As of  XXXX  of this year (  XXXX   ) th e account was placed back on my credit report. I once again contacted the agency and was told the same thi ng ( nothing with my information was pulling up ). B ut the collection continues to be reported on my credit report. I have never received any type of correspondence regarding this account prior to it be placed on my credit report, twice now. I do not understand why it continues to be placed on my credit report which has effected my credit.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so.

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on my credit report.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION (NJ)

M & T Bank denied my claim for charges that were illegally made on my credit card. My account was compromised along with my debits card, social security number and identification card because I lost my wallet with my credit card, debit card, social security card, and id in it on XX/XX/XXXX. I thought I left it at my job at the XXXX XXXX  I work in but It was not there when I returned there on the XXXX. 

The fraudulent transactions : - {$1300.00} from XXXX XXXX # XXXX - {$43.00} from XXXX XXXX XXXXXXXX XXXX XXXX  - {$920.00} from XXXX XXXX XXXX XXXX  Please look into this for me. M & T agreed to reimburse me for all fraudulent transactions. My identity and previous M & T credit card account ending in XXXX has been compromised. I need help with getting reimbursed for these fraudulent transactions.