davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2018 - Wells Fargo Bank N A - placed a message in my online account - message center - We have shipped your new Wells Fargo Debit Card ending in XXXX. The card was shipped to XXXX XXXX XXXX, XXXX, FL XXXX. The message was added at XXXX on XX/XX/2018. I never requested nor approved of them sending another debit card. They refused to tell me who asked for the debit card. I don't know how that person got access to my personal information. I told her that I truly believe an employee is responsible. I follow protocol for logon. The thing that really irks me about Wells Fargo is the logon, every month they're requesting a new username or password, not an exaggeration. On XX/XX/2018 - while on the phone with one of them - to close my account - I told her I wanted to setup bill pay for XXXX she did this for me, the payment was for {$45.00}. A few days later I get another message telling me I have XXXX dollars, I was supposed to have {$.00} in my account. I message them on XX/XX/2018 asking them for my {$.00} to be returned to my checking account. Now because of all this type of problems going on I have to save copies of the things I do in my account. Thats not right. Senior citizen permanently XXXX, with no relief in sight. I filed a report for FRAUD and Identity theft.They sent a message > telling me that they've update my account information, without even explaining or acknowledging their mistake thats a cove up.Somebody is lying. I responded to that message.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is incorrectly reporting me as an Authorized User on XXXX XXXX ending in account # XXXX. I called XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User on this account. They removed me as an Authorized User on XXXX  and XXXX, however Experian has not removed this from my report. I have contacted the bureau to fix this issue. The negative reporting is harming my credit score.
Consumer complaint received 2018-10-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To Whom It May Concern : On XX/XX/2018 I sent a dispute via USPS Priority Mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) to TransUnion wherein I disputed XXXX XXXX with a corresponding account number beginning in # XXXX. 

On XX/XX/2018 at XXXX XXXX, TransUnion received my dispute as recorded in the USPS tracking history. 

To view the tracking history please visit : https : //tools.usps.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/2018, TransUnion sent correspondence stating that my initial correspondence was received on XX/XX/2018 and additional information was received on XX/XX/2018, which allows TransUnion fifteen additional days . Therefore, my investigation would be completed on or before XX/XX/2018. 

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

It has been 45 days since TransUnion received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file. Based on the previous information, I am hereby demanding deletion of XXXX XXXX with a corresponding account number beginning in # XXXX from my TransUnion file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. Furthermore, in accordance with s.1629e ( 8 ) of the debt collection practices act which clearly states that any information known to be false can not be reported to any credit bureau , I request that TransUnion immediately delete this information from my credit reports or else I will be forced to
immediately proceed with litigation to recover damages caused by TransUnions willful and negligent noncompliance of the Fair Credit Reporting Act.

If the account in question is removed from my files, I will consider the matter to be closed and no further action will be taken.

Please send me a copy of my updated TransUnion credit report as soon as the above has been completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-13
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

To Whom It May Concern : I recently received a copy of my XXXX XXXX XXXX XXXX credit report, and I noticed some late payments posted on my consumer credit card by Synchrony Bank/ JCP acct number XXXX. Your company is in clear violation of the FCRA. 15 USC 1681 Section 602 A states I have the right to privacy. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions to furnish this on my credit report! Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Update the above late payments from my consumer report to paid as agreed. This creditor is in violation of 15 USC 1681 Additionally above creditor Synchrony Bank/ JCP acct number XXXX has been reporting inaccuratly to all 3 CRA ( XXXX, XXXX and XXXX ). Please see attatched documents and credit reports. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 602A of FCRA Synchrony Bank/JCP ACCT # XXXX is not reporting properly. I have recieved a total of XXXX different reports from said account mistakes ranging from inaccurant account history/ late payements dates/ account type/ account closed dates/ account open dates. I have been denied a loan already. Ive spent the last month trying to get this corrected all while in need of a vehicle. It has caused me a great deal of stress and time trying to sort this out. All steming from inaccurate/ legal violations of FCRA from said creditor. Thank you very much for your time.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SERVICE FINANCE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary 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 Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I recently submitted a new complaint, # XXXX, which XXXX XXXX, the company I am complaining about, apparently answered that this is a duplicate of a previous complaint. This is totally false. The new complaint asked the question, " Do you own the mortgage Note? " I never filed this complaint with the CFPB before. I believe that they sold the Note to a debt collector. 

If they say the do own the Note, in answer to my CFPB complaint, and I prove that they do not, in court, they have committed a felony, lying to the CFPB, which is punishable by up to 5 years in jail and a fine. 

This is a chance for them to avoid that situation by admitting that they do not presently own the Note.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (DE)

I am following up my dispute regarding the discrepancies reported on my credit report. Upon reviewing the information provided, it has become evident that there are numerous inaccuracies and unverified entries that are negatively impacting my credit score.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX. I opened up a checking account with capital one a few months ago and deposited a check for {$2500.00}. They put a hold and had me confirm My identity by uploading a photo of my ID through their security link Which I did successfully. Its been several months and they still will not allow me to access the funds in my account. I tried calling them several times and they are asking me if they can contact the checkwriter to verify the check which I told them was perfectly OK. I provided them the check riders phone number however because hes on a family plan and the phone is under his wifes name they will not call that number mower they let him call into them to verify. The check was valid of course and the funds have not been charged back or returned several months later yet they still will not allow me access to my money please help. When I ask them if they think they can just hold my money forever they rudely replied that yes they are legally allowed to hold my phones forever which I thought was not true you can contact me up XXXX or email me at XXXX XXXX
Consumer complaint received 2018-10-16
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: LEXISNEXIS (MS)

Lexis Nexis, XXXX, and XXXX credit reporting agencies Per the FCRA 623 ( a ) ( 5 ) : did not VALIDATE my information with the ORIGINAL CREDITOR, and did not remove the said information from my credit file. NOTE : any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires to notify the party who furnished the disputed information " Federal courthouse and " U.S. Bankruptcy Court " which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

As such, FCRA 1681 ( p ) ( 1 ) consumer reporting agency maintaining files for the purpose of furnishing consumer reports to 3rd parties bearing on a consumers credit worthiness, credit standing, or credit capacity ( 1 ) public record information is unverified and unconfirmed information.

According to XXXX Law Dictionary, the person who verifies my information must have first-hand knowledge and willing to testify under oath in a court of law. 
According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Privacy Act of 1974, 5 U.S.C. 552a and FCRA 16 CFR Part 660.
Consumer complaint received 2018-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

This is complaint about MoneyGram. On XX/XX/2018 I did online international transfer in amount of {$5600.00}. After I did transaction I received a call from MoneyGram to verify transaction and after verification Ive been told that transaction is approved and I will receive confirmation email in couple minutes with reference number. I waited for 3 hours and didnt get confirmation email. I checked online and MoneyGram had stated error on transaction without explanation of error. And I didnt receive cancellation email. I called customer service and Ive been told that transaction exceeded limit and the transaction had been cancelled due to internal and external errors. But the next day MoneyGram withdrew the transaction amount from my bank account. So I called MoneyGram and they told me that my money will be refunded in 12 business days. Now I really dont have enough money on my bank account to run my business efficiently because of MoneyGram. I dont have enough money to complete this transfer by other options and it hurts my reputation from my business partners and I am suffering business losses. Who will cover m business losses? MoneyGram does unprofessional business with customers. This whole experience with MoneyGram is very bad. My advice to everyone do not do any business with MoneyGram at all. Thank you.
Consumer complaint received 2018-10-16
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: EQUIFAX, INC. (MD)

On XX/XX/2018 Equifax removed XXXX XXXX XXXX XXXX ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I contacted Experian when I noticed a discrepancy in my mortgage balance with XXXX XXXX. They are showing a {$150000.00} balance when, per the XXXX 's website, the current balance is close XXXX. I filed a dispute online with Experian. I provided screenshots of both XXXX 's webpage and even Experian 's ( expanded details on my XXXX 's account showing payments each month and that the running balance of the mortgage was also XXXX, just like shown by XXXX. ) I asked them to correct the amount, That was XX/XX/XXXX. 
Today - XX/XX/XXXX, I get an email stating the dispute has been " resolved '' and that the amount has been updated... STILL SHOWING AN ELEVATED BALANCE OF XXXX. They did NOTHING. 

Please note that ONLY Experian has this error. I checked with XXXX and with XXXX- THEY have the correct mortgage balance at about XXXX.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (FL)

on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.
Consumer complaint received 2024-02-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-12
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. (TX)

This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA
Consumer complaint received 2020-11-05
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. (ND)

On XXXX, I sent Transunion a letter notifying them about 4 unauthorized addresses, 2 unauthorized phone numbers and 4 unauthorized regular inquiries which do not belong to me. I attached a recent report outlining the unauthorized items. On XXXX, my letter was delivered to Transunion according to the green return receipt card. On XXXX, Transunion sent me report # XXXX dated XXXX with dispute results which clearly shows Transunion is continuing to report 2 unauthorized addresses and 4 unauthorized regular inquiries which is against federal law. They have failed to delete the 4 unauthorized regular inquiries and 2 unauthorized addresses. I have attached a copy of the letter Transunion received dated XXXX, a copy of the USPS certified mail receipt dated XXXX, a green return receipt received date XXXX and the updated Transunion credit report # XXXX dated XXXX.
Consumer complaint received 2018-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute with TransUnion credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and they sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this.
Consumer complaint received 2018-10-16
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/18 as I went to purchase a ticket for a flight to XXXX on the XXXX XXXX website, I saw an ad to get the XXXX Mileage Plus credit card. It offered a couple of things that attracted my attention including a {$100.00} credit after my first purchase. I clicked the link and it took me to Chase Credit card website. I filled out the application which was approved and then clicked the link back to the XXXX XXXX. I was unable to complete the ticket purchase at that time because I didn't see the new Mileage Plus credit card number to use. I contacted the credit card company and was told I'd have to wait to get the card in the mail to complete the transaction using the new card. Which I did in approximately a week. After I've made purchases I expected to see the {$100.00} credit. I called the company on XX/XX/18 to find out the status and was told that I didn't follow the link when i applied but that they would pass the request on to their marketing dept. On XX/XX/18 I received a letter from Chase customer service stating I didn't qualify for the {$100.00} credit. I believe that I was misled by their advertising. I clearly clicked the link to get to the Chase website to make the application and am deserving of what they offered. This is a copy of their ad/link : XXXX? CELL
Consumer complaint received 2023-01-04
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. (SC)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX