davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with XXXX an Equifax a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to XXXX and Equifax. Never hear back from them. I recently called XXXX and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my report.
Consumer complaint received 2023-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (NC)

On XX/XX/XXXX I contacted the local branch of XXXX XXXX to obtain the XXXX  day payoff about. On XX/XX/XXXX the branch received a check for the total of the XXXX  day payoff and applied it to my account. When I checked my online account it still showed a balance of {$800.00}. I have contacted the local branch XXXX  times and left a message for the branch manager to contacted me about this balance. I am unable to get a call back or to speak with anyone directly when I call.
Consumer complaint received 2023-01-16
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: CCS Financial Services, Inc. (NY)

I have no knowledge of this account. There are XXXX alleged collection accounts on my credit reports, XXXX, XXXX, and XXXX from the same debtor form XXXX different mounts owed. I am unaware of either debt and want to dispute these collection accounts. I contacted both the debt collectors and all XXXX  credit bureaus and have not gotten a response from no one. I also sent in another dispute today as a result of not hearing back the first time. I am now escalating the issue.
Consumer complaint received 2021-08-01
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. (GA)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

I have recently started pay more attention to my credit file and discover that Santander Consumer Usa was inaccurately and incompletely reporting an account.From XX/XX/XXXX to XX/XX/XXXX they have no payment information whatsoever for this account.The vehicle was traded in at XXXX XXXX XXXX between XX/XX/XXXX and XXXX.The company continues to report more late payments to this account further damaging my ability to obtain credit. 
XXXX  report shows date of ! st delinquency XX/XX/XXXX, XXXX  has date of ! st delinquency as XX/XX/XXXX and XXXX  shows the account was closed in XXXX when it was paid off in XXXX.FCRA requires any accurate reporting account to be deleted.I have disputed this account with XXXX  twice and they continue to respond as updated and add more late payments decreasing my score drastically.The XXXX  account history is being reported inaccurately and has been incomplete since XX/XX/XXXX.
Consumer complaint received 2023-05-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018, XXXX XXXX  XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

This account does not have the amount correctly and is also a fully paid account, the payment was made at a XXXXXXXX XXXX  on XX/XX/24, therefore the amount should be removed and eliminated from my credit report. 
Account name XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2019-12-18
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. (TX)

TRANSUNION HAS VIOLATED MY CONSUMER RIGHTS BY NOT HONORING THE FCRA THIS ( FOR PROFIT COMPANY ) HAS REMOVED AN ACCOUNT AND MADE THAT SAME ACCOUNT MAGICALLY REAPPEAR AGAINST THE FAIR CREDIT REPORTING ACT. I ALSO SPOKE WITH NOW 3 SUPERVISORS IN THE SPECIALIZED FRAUD TEAM WHO WERE NOT EXCITED TO DO THEIR JOB IN XXXX, PA XXXX, XXXX XXXX, AND ALSO XXXX. THEY BOTH SAID THAT THEY WERE SORRY WHICH THEY COULD CARELESS! AND KEPT INFORMING ME THAT THE CREDITOR IS THE REASON! IF YOU KNOW LIKE I KNOW THEN YOU WOULD KNOW THAT THE CREDIT BUREAUS HAVE TO SHOW 100 % VERIFIABLE PROOF ANYTIME THEY VERIFY AND SAY THAT A FRAUDULENT ACCOUNT IS YOURS. IF THEY DON'T PROVIDE IT THEY HAVE TO REMOVE IT! SO PLEASE XXXX XXXX EXECUTIVE VP FOR TRANUNION ALONG WITH XXXX XXXX PRESIDENT OF US INFO AT TRANSUNION.PLEASE GET BACK TO ME AND TELL ME WHY YOU ALL ARE VIOLATING MY RIGHTS AS WELL AS OTHER CONSUMER RIGHTS!
Consumer complaint received 2019-12-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

HSBC XXXX Branch at XXXX  XXXX/XXXX ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ) made repeated errors at multiple levels over a period of +30 daysin properly executing a formally requested international wire of {$320000.00} from HSBC to XXXX. The wire request was initiated on XX/XX/XXXX, but due to delays and error, HSBC did not abide by the client 's instructions. In fact, due to repeated errors, the wire was sent two times and the bank introduced new set of multiple errors again on XX/XX/XXXX.These errors by the remitting HSBC bank , have resulted in a substantial loss of funds ( {$5500.00} in net value + {$960.00} in unrealizedlost interest for 31 days@ 3.55 % ) ( {$5500.00} in net value + lost net HBSC interest for 1 month@ 1.8 % ). Had HSBC used the correct guidelines and customer instructions to process the first and second international wire on XX/XX/XXXX and XX/XX/XXXX, respectively, this loss could have been avoided. 

Point of Concerns 1. These repeated errors by a multinational remitting HSBC bank led to these funds being kept for almost one month under " so-called wiring stage '' and has raised serious concerns because the customer made repeated attempts to communicate instructions to immediately wire. 
2. HSBC bank did not follow specific written instructions provided to the branch and WIRE department on XX/XX/XXXX for no apparent reason. 
3. HSBC bank 's failure to use the complete SWIFT Code ; use of incomplete SWIFT Code along with IFSC Code used by domestic wiring ; and did not add 0 to the account number listed at second place. 
4. Why did HSBC intentionally avoid providing the SWIFT Copy and Computer generated printout of dated WIRE Path? 
5. Although the client co-addressed or copied all e-mail communication to the Branch Manager and Assigned XXXX Manager, both of these officer kept themselves out of communicating with the client. 
Did you contact the branch : 1. We contacted the customer service on XX/XX/XXXX ( see attachment 1 ) 2.  The bank responded on XXXX without honoring our complaint and a fair evaluation, while totally ignoring relevant factual errors created by the bank ( see attachment 2 ). 
3. We again contacted the bank on XX/XX/XXXX with our disagreement. The bank ignored toaddress points # 2 and # 3, while again the factual documentation about the wire instructions to HSBC in XXXX. We also pointed out that the bank letter contained statements that were not supported by any documentation, and that we specifically raised the issue that " both parts of your statement are false '' and provided supporting evidence from the material provided by HBSC and XXXX. ( see attachment 3 ) 4. Bank responded back again with a negative response, while again, ignoring the facts of the matters.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Chase Southwest Rapid Rewards card Attn : Refund unfair and sneaky transaction charge I've noticed the mysterious charge of {$30.00} transaction charge and {$7.00} cash advance interest charge on XX/XX/23 & XX/XX/23 respectively. When I called Chase, they said funding my online sports gambling account ( BETMGM ) is considered a " cash advance '' transaction and there is a {$30.00} charge and the interest will be accrued on the amount. 

Though I've told them that I was never aware of the fact that making a transaction at my " XXXX '' account will be considered a " cash advance '' and that the Chase app never notified me of this at the time of the transaction. I called the dispute department at Chase and spoke to 3 different agents to find out about these

two mysterious charges. The last representative was the supervisor who told me " It is stated in your CC agreement that any transaction to an online sports gambling site is considered a cash advance. '' and finally hung up on me before I could plead my case where I've opened up the Chase Southwest Credit card when online sports gambling wasn't available at the time. So there is no way the Credit Card agreement had that specific clause. 

I sent an email message to their customer service department stating that I was never aware of such a policy/rule and asked for a refund of {$30.00} + {$7.00} a few days ago. To my surprise, they sent me a very quick and generic message stating the same response saying that the transaction is considered a " cash advance '' and they are unable to credit my account without understanding the fact that I was never aware of this " policy '' when I signed up for the credit card. And since I wasn't aware of this policy and they failed to notify me at the time of the transaction during a mobile transaction, I think I should get the refund from Chase.
Consumer complaint received 2019-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TN)

XX/XX/XXXX - I got into a wreck with XXXX XXXX XXXX. XX/XX/XXXX - I received a letter from Ally stating they needed 3 items ( police report, insurance info, and ally buyers order ) in order to process my gap claim. XX/XX/XXXX - I faxed all 3 items Ally requested in the XX/XX/XXXX letter. XX/XX/XXXX - I received letter from XXXX XXXX XXXX , XXXX ( XXXX  ) denying claim submission stating they did not get the information from Ally within 90 days. Early XXXX I called XXXX and they said they denied by claim because they did not get info from Ally. I called Ally and they said they had received my 5 page information sent on XX/XX/XXXX but did not send info to XXXX  because I did not file a claim. According to the XX/XX/XXXX letter it does not state I need to file a claim after I send those requested 3 documents. XX/XX/XXXX - I sent a letter to XXXX requesting an appeal for insufficient information that I received from Ally Financial. I did not know I was supposed to file a claim since the XX/XX/XXXX letter did not state I needed to take additional actions. XX/XX/XXXX - I called XXXX XXXX XXXX , XXXX at XXXX and they confirmed they received my letter but had not reviewed it yet. XX/XX/XXXX - I received another letter requesting I make a payment. In XXXX - XXXX from Ally called via phone and wanted me to settle the account with me. I told him the responsibility was on Ally to pay and he said he would check on it. XX/XX/XXXX - Received letter from XXXX XXXX XXXX, a debt collector, to pay {$9200.00}. I have attached all documents and notes referenced above to this claim. XXXX
Consumer complaint received 2019-12-18
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. (GA)

Equifax didnt remove the fraudulent data from my credit report. I submitted a dispute, disputing the accounts and inquiries that I didnt make and that were listed on my Identity Thief Report and after their investigation they found the data to be accurate. My credit is so damaged by this inaccurate information, Im not able to get a loan or anything that requires good credit.
Consumer complaint received 2019-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (UT)

Sent in XXXX tickets and they would not respond back until weeks after. 

I was scheduled for biweekly pymts and was told that my payments that were due on XX/XX/19 and XX/XX/19 did not clear. Spoke with my bank and they advised that my debit card was never processed by moneylion on XX/XX/19 or XX/XX/19. I worked for MoneyLion and I got a direct deposit from them on XX/XX/19 and they said my loan payment did not clear. It shows as a missed payment in their system because they never ran my authorized debit card on either days. Come to find out, they ran my debit card on an unauthorized date ( XX/XX/19 ) of {$19.00} to where the payment did clear and now they have no clue where that payment is. FIrst of all, I never gave authorization to run my debit on Monday, XX/XX/19. Just the authorized biweekly, fridays on the loan agreement. MoneyLion had my authorization to run my debit card biweekly fridays. For some reason, they stopped running my debit card and decided to report to the credit bureaus as delinquent. I never revoked my payment method and always made my pymts on time when scheduled to. MoneyLion breached their own contract by not running my debit card that I did gave authorization to, since XX/XX/2019 and just now contacting me stating that my loan is in collections. Not one email or phone call regarding a missed payment. I had to find out by the credit bureaus that my account was past due just the end of XX/XX/XXXX.
Consumer complaint received 2021-12-14
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. (FL)

I am filing this complaint against XXXX, XXXX and Transunion for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.
Consumer complaint received 2019-12-17
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. (KY)

To whom it may Concern, Before i XXXX  from the XXXX, back in XXXX, I thought i was in good shape to purchase my first home using my VA Certification of Eligibility ( COA ) that allows Military Members and Veteran to receive loans for the purposes of purchasing a home. I was guided towards the following Company : XXXX XXXX XXXX XXXX to start my first home buying process. XXXX XXXX XXXX XXXX ran my credit through the following Company. On XX/XX/XXXX. I contacted Equifax Mortgage Service in regards to the following Hard Inquires i was ensured that the following Hard inquires would fall off of my credit report and if not to please call Equifax Mortgage Service back to have it removed from my credit report. on today 's date : XXXX XX/XX/XXXX, I contacted the following Business entity 's again inquiring that the following hard inquires be removed per Credit reporting law without any action from either company as named Below. All i want is for the following Hard Inquires to be removed accordance with the Credit report laws. Please Help. 

Thank you * Equifax Credit Bureau * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( information on Credit Report ) Companies will not remove : EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email EQUIFAX MORTGAGE SERVICE Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender
Consumer complaint received 2019-12-17
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: CORELOGIC INC (NJ)

Credco did a unauthorized hard inquiry of my XXXX  and XXXX   credit report on XX/XX/2019 and another random unauthorized hard inquiry on XX/XX/2019. I want to dispute these hard inquiries and have them removed from my credit report and updated.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX I applied for the American Express EveryDay card. The bonus I was offered was XXXX points after {$2000.00} in spend in 3 months. On XX/XX/XXXX I noticed XXXX points had been deposited into my account with a description of Amex EveryDay $ XXXX spnd/XXXX MR . Since this appeared wrong I contacted customer service to see if the balance would be deposited when I met the {$2000.00} spend since I hadn't met it yet and she indicated I had signed up for a different offer. I explained that I had in fact signed up for the XXXX point offer and even had a screenshot of the application. She offered to submit a ticket to have it resolved and that it would take up to 2 billing cycles for resolution. As of XX/XX/XXXX I had  not received the remaining XXXX points so I chatted with a rep by the name of XXXX using online chat. He indicated the ticket has been researched and closed indicating they wouldn't give me the balance. I asked him to open a new one. As of XX/XX/XXXX I still had not received the balance or any contact from the company regarding any of these tickets so I once again chatted online and was told the second ticket was also closed and they weren't giving me the remaining points. I called customer service on XX/XX/XXXX as  well and after a period of time on hold the rep explained he couldn't do anything more and he had also spoke with his supervisor who also said they couldn't do anything more. They advised that I write a corporate complaint.
Consumer complaint received 2019-12-17
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. (NC)

I have 16 accounts on my report related to student loans but Im XXXX years old and Ive never been to college or attended any courses. I believe my information was used by someone that knows me. 8 accounts are showing outstanding balances and 8 accounts are showing paid in full. I have no knowledge of these accounts and did not give permission for my information to be used.