davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (TX)

i spoke with somebody to close the account it wasnt.Then called on XX/XX/2018 adn spoke with XXXX and she was rude.i ask why am i receiving a late fee she said becuase we didnt receive your money till the 9th. It is not fault you guys received it late. I ask for a super visor 3 time she come back saying there is none available. customer services was never right made me feel unwanted.Never again will i use them
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2022 I called Chase Bank to report XXXX wire transactions that I did not authorize. XXXX was for {$5000.00} happened on XXXX of XXXX that I did not know about and the other was {$4600.00} on the XXXX of XXXX that had a pending status. First of all, I wanted to stop the {$4600.00} right away because it was still pending and i assumed my account got hacked cause i didn't authorized like i mentioned. The agent that was on the phone with me at that time told me that there was no option for him to stop it right away ; that it need to be complete for him to reverse the money. I was questioning him on why it can't be done since it's pending but all I got was a vague answer that it can't be done right now. He then transferred me to the claim departments to make those XXXX claims which I did. 

After i filed my claims with the new agent, I asked him how come no XXXX flag these transactions for me and verify it with me. If i remember it right, he told me they can't flag a wire transfer. He then assure me to not worry, Chase will investigate and refund the money for me if they have proof that it was fraudulent. I questioned him why do they need to investigate for proofs of fraudulent when I'm calling them right away when I saw that {$4600.00} transaction popped up on my online banking and it was still pending. By me calling them right away telling them that I did not authorized that pending transaction is the solid proof that it was fraudulent. He agreed with me but told me just let the claim department investigate and they will contact me about it. He advised me to go to a branch and close my old account and get a new one since it had been compromised. After i opened a new account and closed out the old XXXX, I received an email from Chase telling me that there is a transaction for {$120.00} on my old account and if I authorized it or not. When I saw that email, I was filled with anger ; they flagged a {$120.00} transaction but not for {$4600.00} and {$5000.00}. 

These XXXX transactions were wired to my XXXX  account and then disappeared to a wallet. I called XXXX  about the incident and they replied that the wallet was a non- custodial wallet and they can't recover the money and I quote " This transaction gave the malicious third party access to the funds held inside your XXXX XXXX ... ..where they do not even need a non-custodial wallets XXXX word seed phrase to infiltrate it. ". 

Chase also denied my claims with " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''
Consumer complaint received 2021-12-07
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

IVE DISPUTED THESE ACCOUNTS WELL OVER 30 DAYS AGO TO NO AVAIL, I HAVE SENT THE DISPUTED VIA CERTIFIED AND COMPANY HASNT RESPONDED. ACCOUNTS ARE INACCURATE AND ERRONIOUS.
Consumer complaint received 2021-12-07
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$23000.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$5700.00} XXXX XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2900.00}
Consumer complaint received 2021-12-07
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$23000.00} XXXX {$5700.00} XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX {$2900.00} XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$790.00}
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Synovus Bank (FL)

A Synovus budget checking account was opened without my consent or knowledge. I received a statement of account with a balance of {$20.00} and a service fee of {$5.00} in the mail from XX/XX/2023. Ive called the company at the number provided, XXXX, and they were unwilling to provide the information about the account or its origin without me providing personal information. I was told to contact my credit bureau.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have had my address updated several times but credit bureaus continues to keep reinserting the wrong address on my credit report. The bureaus will make corrections and then put the incorrect address back on my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Americor Funding, LLC (CA)

I never got written notification in the mail about disputing the debt. I have asked them to stop calling, texting and emailing yet they continue to do so. 

All communication should be through XXXX and legal but they continued to violate that. 

XXXX.
Consumer complaint received 2020-01-30
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. (PA)

XXXX XXXX XXXX  XX/XX/19 shows an inquiries in which on XX/XX/19 I did not apply or request credit or anything from XXXX XXXX. There should be no inquiries been I not applied for any credit increase or a new card. Provide documents where I applied or requested credit from XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (LA)

I made several attempts to rectify items found on my report that were due to identity theft and/or inaccuracies. I sent a copy of police report as well as a copy of the errors. 
There are inquiries I did not approve, accounts that are not mine and personal information that is not accurate such as addresses and/or employer. 
I explained it is pertinent that they rectify these issues due to the negative effect it is causing my credit worthiness with obtaining government contract for much needed services.
Consumer complaint received 2018-04-14
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. (AL)

This medical account should not be on my credit report This under 180 Days please Remove Off My Experian credit report due too hippa violation!!! 

This collection acct is 1 month old ....
Consumer complaint received 2021-12-07
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

For the past couple months I been very overwhelmed with this situation. The credit bureaus have been ignoring my right. This company is reporting inaccurate misleading information I have spoke to the creditor and verify the information. I have spoken to the credit bureaus and they keep takings me in loop around with no answer or any verified information. Im have stayed up countless our and spend over 100 hours trying to figure out this situation. The credit bureaus have not been taking any action to resolve this dispute but sent me to there E Oscar system. This action is really hurting my ability to get credit. This mistake can cost me a few thousand of dollars Over my lifetime. Plz help me solve this situation.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NC)

I received a letter on XX/XX/23 that was dated XX/XX/23. The letter was from Genesis FA Card Services, XXXX XXXX XXXX XXXXXXXX, OR XXXX. The creditor stated that the card had a balance of {$75.00} which was. The annual fee. The card was addressed to me at my current address. The letter said thank you for XXXX them know about my change of address. Weve updated your chance of address on your Destiny Mastercard Account It also stated if I had my mail forwarded another letter was sent to my old address. Genesis states to call XXXX if the address shouldnt have been changed. 

I called Genesis FS card Services who told me to get a police report and also report to Federal Trade commission. I called the Sheriff Department today and the Detective is supposed to call me on Monday.
Consumer complaint received 2021-12-07
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. (CT)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Consumer complaint received 2023-01-02
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. (OH)

I have tried several times with all the credit reporting agencies and with this company to get my credit report 100 % accurate! This is extremely frustrating and not fair that neither of these companies are helping me in any way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicate with this company and each of the credit reporting agencies. I will ask you one last time to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

I previously reported that Acecashexpress denied my payment back on XX/XX/XXXX. On XX/XX/XXXX, I send them an ACH Revoke notice. On XX/XX/XXXX they withdrew {$130.00} from my count. They have a set precedence of denying me of my consumer rights!!!
Consumer complaint received 2021-12-07
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. (NY)

On XX/XX/2021 I received an alert from XXXX XXXX about there is an inquiry on my report from XXXX XXXX, but I had not doing business with XXXX XXXX or any bank recently. So I called up XXXX XXXX and give them my name, address and social security numbers and none of the departments ( I got transferred to like 3 times within that call ) within XXXX XXXX was able to pull anything up. 

I also tried to contact trans union, but they said I needed to file a police report or a FCC report and send it to them for it to be removed. 

I later checked the full report and on there as following : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXXXXXX XXXX XXXX Which only the name is close to my name, everything else I dont even recognize.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (KY)

Filed previous complaint about XXXX icc system complaint cfpb # XXXX asking for debt to be sent back to the original creditor and cease their collection effort the resolution letter i received from icc system stated they would cease communication and and also terminate collection efforts. After the case was closed they have proceeded to continue collection and also added account to my credit reports even though they said they would not continue with collection efforts
Consumer complaint received 2019-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

The loan servicer is Firstmark Services. I had paid a significant portion of the estimated payoff amount but the servicer only credited six of the seven loans I had which resulted in a larger final payoff amount costing me additional interest. As a result a larger amount was debited from my account and I now have an overage. Firstmark states it will send me a paper check for the overage. 

Please investigate whether Firstmark 's actions are a systemic problem or not.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (LA)

I initially sent a series of letters to the credit reporting agencies and creditors, with the last being o XX/XX/2021 which was, y second or third request. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX  updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Consumer complaint received 2018-03-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

My agent submitted the ss package to Chase and was waiting for the value. We made the instructions " appointment only '' " call listing agent ''. My agent received no call, and now they are saying that an appraisal was done on XX/XX/XXXX and that was trespassing. We wanted to control the appointment since my agent wanted to show them all the damage in the home from squatters, as well as some other issues on the property. There is almost no way this will be an accurate report and the result will be a foreclosure if someone doesn't force them to do a SUPERVISED report that my agent can confirm had all the elements that affect value.
Consumer complaint received 2021-12-07
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: AMERICAN EXPRESS COMPANY (MS)

American Express has been reporting a debt to credit report for a credit card that was opened in XXXX of 2018. Said account was not opened by me, authorized to be open by me, nor does this account belong to me. Ive been in contact with American Express since learning of this account. Ive signed identity theft at American Express request however this negative account continues to appear on my credit report. At one point, American Express advised me that the account has been turned over to a debt collecting company, XXXX. Ive spoken with XXXX as well and told the account manager that this AMERICAN EXPRESS account does not belong to me, the account was not authorized to be opened by me, and I didn't have any knowledge of this account until reviewing my credit report. I was actually on active orders and deployed to XXXX when this account was opened.