davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FULTON FINANCIAL CORPORATION (PA)

I initiated a Wire Transfer at XXXX XXXX to send money to XXXX. The transaction was started on XX/XX/18 by my husband, XXXX XXXX. The money was to be sent to an account in " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' with address at XXXX XXXX in XXXX, XXXX. The amount to be transferred was XXXX dollars. The transaction confirmation code was : " XXXX XXXX XXXX-USD {$9900.00}. 
The note states : Date available as XX/XX/2018 ( already a long time, 10 days, considering it is a wire transfer ) When my father did not receive the money in XXXX on XX/XX/2018 I noticed that the funds were still in my account. I called the bank and they told me : " the transfer was never even initiated '' and they don't know " what happened ''. 
I will proceed to remove all my money from the account at XXXX XXXX today. 
This is very serious, my father was expecting this money today and had financial obligations that needed to be attended immediately. Not having this money available is very detrimental to him. I am extremely upset by the inefficiency of this bank and its disregard for its customers. The worst part is that since I have a mortgage loan from this bank I MUST keep a bank account with them. This was one of the conditions of my loan. Little did I know about the extreme lack of professionalism and poor customer service. I would like to cancel my bank account with this institution and just pay my loan with my bank account at XXXX XXXX. This needs to be known by other people as this bank is not doing a good job and in my case it is causing serious problems to my family and me.
Consumer complaint received 2022-06-20
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  OF XXXX A, 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 2022-04-05
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: SYNCHRONY FINANCIAL (PA)

I recently reviewed a copy of my XXXX credit report. The credit report showed a hard inquiry from the company SYNCB/XXXX XXXX XX/XX/2021. I have since contacted this company on XX/XX/2021 and 4 more times after that. The company stated that this is indeed fraud and reported the claim to XXXX to be removed from my credit report. Upon checking, XXXX has yet to remove this hard inquiry from my report.
Consumer complaint received 2018-11-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

On or around XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. Most of the paperwork was already in order and all I needed to do was sign, which I did. The payments were {$520.00} for I believe 72 months, which I agreed to pay. Six or seven months after purchasing the vehicle I noticed that the finance company, XXXX XXXX, was reporting negative remarks to the credit bureaus stating that payments were late. I contacted XXXX and I was told that it was an error and that it'll be corrected. XXXX XXXX never corrected the negative payment history that was being reported. Two and a half years of paying $ XXXX a month, XXXX XXXX   decided to report my account as a charge off even though all payments were paid and up to date. XXXX XXXX has reported that I haven't made any payments on {$20000.00} loan. That information is false and I have every receipt for each payment made.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I am receiving repeated, threatening calls on an average of every XXXX minutes and feel harassed. Claiming non payment as well as wrong information reported on my credit report after a credit protection claim was allegedly in effect on my account. I respectfully request for this issue to be handled asap. Thank you!
Consumer complaint received 2018-11-21
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. (NJ)

My mortgage was never late. 

From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX   fraudulently reported my mortgage late to cover up the crimes committed against me knowing that my XXXX was unlawfully taken and I was barred from Co-op Building since XX/XX/XXXXXXXX XXXX unit was illegally sold on XX/XX/XXXX, and I was arrested by XXXX XXXX XXXX  Police on XX/XX/XXXX, for being in my XXXX Lobby as a Defiant Trespasser. 

XXXX XXXX LIED THAT XXXX XXXX XXXX UNIT WAS FORECLOSED ON TO SENATOR XXXX XXXX ON XX/XX/XXXX XXXX XXXX    XXXX FRAUDENTLY CLAIMED XXXX XXXX PAID OFF MORTGAGE IN XXXX FOR XXXX UNIT UNLAWFULLY TAKEN IN XX/XX/XXXX AND SOLD ON XX/XX/XXXX NO FORECLOSED JUDGMENT OR WARRANT EXISTS AGAINST ME. 
On XX/XX/XXXX, XXXX XXXX broke into my XXXX   unit, changed the lock, barred me from entering XXXX   Building, kept my belongings, and made me homeless on XX/XX/XXXX, without a warrant, judgment or foreclosure. My mortgage was current. 
In XX/XX/XXXX, XXXX violated foreclosure laws by filing a claim on lawsuit which it was not a party of for XXXX   mortgage. Two ( 2 ) NJ Superior Court Judges XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, ( attachment ) denied XXXX XXXX   XXXX request for {$100000.00} proceeds in Superior Court Trust Fund from illegal private sale of my unlawfully taken XXXX unit on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Legal Dept. emailed to Senator XXXX XXXX 's office that my complaint was about wrongful foreclosure. 
On XX/XX/XXXX, XXXX XXXX pulled her IRS transcript for XXXX. XXXX filed XXXX XXXX Mortgage interest fraudulently claiming that XXXX XXXX paid {$23000.00} in mortgage interest for her XXXX   unit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX New York, XXXX On Monday, XX/XX/XXXX, we called the Office of the Superior Court Clerk, Foreclosure Processing Services in XXXX, New Jersey at XXXX and was told no foreclosure ( F ) file for XXXX XXXX or paperwork. 
However, there was a closed Landlord/Tenant ( L ) file for XXXX XXXX which {$100000.00} were sent to the mortgage company** without paperwork. She did not understand how my mortgage was paid off, claiming there should have been foreclosure folder with a ( F ) file, and not ( L ) Landlord Tenant. She questioned if XXXX XXXX sold her unit. 

She referred us to XXXX County Sheriffs Office at (  XXXX ) XXXX, extension XXXX ( foreclosures ) to see if XXXX has a on file for XXXX XXXX On Monday, XX/XX/XXXX, we called XXXX Sheriff Office who stated that it did not have paperwork on stated no information on file for me. 

** The Superior Court Trust Fund gave without foreclosure documents to XXXX XXXX XXXXXXXX on or about XX/XX/XXXX, to pay off my mortgage and complete crime against me. 
No valid underlying case, no foreclosed judgment, no warrant of possession or removal, no foreclosure, no Sheriffs sale.
Consumer complaint received 2019-09-04
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: EQUIFAX, INC. (MS)

Equifax, the most fraudulent credit reporting agency on the planet, XXXX, and XXXX are reporting fraudulent hard inquiries on my credit report. They are claiming that these companies received my authorization to check ( inquiries ) my credit. The attached are reports from XXXX XXXX. I have placed a check mark beside the companies that did not have my authorization to check my credit. 

I have not requested services from these companies. There are also check marks beside companies that have placed fraudulent debt on my credit report. XXXX XXXX XXXX XXXX has placed a fraudulent debt on my credit report. XXXX XXXX has placed a fraudulent debt on my credit report. PAY ATTENTION TO THE CHECK MARKS. 

My name is XXXX XXXX XXXX. My name is being inaccurately reported by Equifax. They are also reporting fraudulent addresses. The fraudulent addresses being reported are : XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX I am frustrated by the constant barrage of fraudulent information credit reporting agencies are allowed to put on my credit report. They are checking my credit at their discretion. This is ILLEGAL!!! I have not authorized these inquiries. They should not be allowed to place fraudulent information on my credit report without my consent. Companies are taking advantage of the white privilege they have with consumers credit report. Their actions should be illegal.
Consumer complaint received 2023-03-27
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, and XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$10000.00}.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regular inquiries were recorded in my TransUnion credit report from the following financial institutions : 1 ) XXXX XXXX- date reported XX/XX/2022 XXXX ) XXXX XXXX- date reported XX/XX/2022 XXXX ) XXXX XXXX XXXX- date reported 1XX/XX/2022 A fraudulent use of my personal information was used to obtain credit from the above- mentioned bank. I filed a dispute with Transunion file # XXXX.
Consumer complaint received 2023-03-27
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)

I wrote Transunion on XX/XX/2022 via U.S.P.S certified mail and they failed to address the issues addressed in the letter. I have attached the letter to this complaint along with my ID verification to prove my Identity. Please investigate to hold Transunion accountable for their reporting negliance.
Consumer complaint received 2023-03-27
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)

The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my XXXXXXXX loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX text received from number ( XXXX ) XXXX Alerts- chase fraud : did you make a wire transfer for {$5300.00} from online access account on XX/XX/XXXX? if no, visit https : XXXX for further assistance.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (WA)

Bank of the West is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

Bank of the West reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and Bank of the West just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (MD)

Cavalry Portfolio Solutions has willfully reported information on my consumer report without consent. I have repeatedly disputed the information with the consumer reporting agencies with no desired outcome. They have stated that they have verified the information but have all failed to provide me with proper verification as per 15 USC 1692g. I am the original creditor and I have never verified the alleged debt as they are not mine. There willful violations of my consumer rights have cost me multiple extensions of credit which include the ability to purchase a vehicle that is very much needed to get to and from my place of employment as well as severely debilitated my ability to provide transportation to my daughter to and from school.

Cavalry Portfolio Services furnished a report without my express written permission CPS violated my right to privacy and provided factual information on my consumer report.

CPS did not exclude the authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card as per 15 USC 1602 They failed to provide verification to the alleged debt as per 15 usc 1692g
Consumer complaint received 2023-03-27
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. (GA)

There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX , Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The identity theft inquiries still on my credit report. XXXX has 2 XXXX XXXX XXXX XXXX. XXXX. Trans union take off XXXX XXXX. XXXX  told me it would take 90 days or less its passed that. Still on my report. Transunion for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX about this auto loan taking off. 
Bank told me its trans union. 
We report to all credit reports. 
If it goes off its trans union fault!
Consumer complaint received 2018-11-21
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. (CA)

Reporting wrong info for some time now. I have submitted supporting docs showing has has {$0.00} and closed and now as of today, XX/XX/2018 they are still reporting a balance. Again, i have proven to them that the account has been taken care of and they refuse to update correctly on report
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2019-09-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I have attached evidence that may be of assistance in your internal investigation, although confused I hope that I can retrieve more accurate answers that will bring me closer to understanding damages. 

Please Note : I received a XXXX package on XX/XX/2019 from a XXXX XXXX with Specialized Loan Servicing, LLC, aka : SLS ( Exhibit # 1 ) In the package was my documents that never were processed that were mailed XXXX and recieved by a XXXX XXXX in the XXXX Office of Judicial Records. Date, time and deliver have been furnished. In confusion, the documents that I received in this package excluded my Certificate of Service address to XXXX XXXX XXXX, XXXX ... ( Exhibit # 2, # 3 ) Inside the XXXX package was another package that was addressed with my name but SLS address. ( Exhibit # 4 ). 
Inside the white package with my name but incorrect address was my documents with the initial 2 pageS being a " Notice of Rejected / Returned Documents, '' from a XXXX, Clerk of OFFICE OF JUDICIAL RECORDS. ( Exhibit # 5 & # 6 ) PLEASE NOTE, on XX/XX/2019 the Electronic Filing was effective. My documents were lost per the Office of Judicial Records, never processed and forwarded to the Judge,  and my cashiers check for {$310.00} was returned to me? This is unprofessional, unethical, and unlawful. I am very confused and have no answers, in addition I lost my property over negligence and fraud from the Plaintiff, the Law Firm of XXXX XXXX XXXX, XXXX and the downline of Servicer 's who never possessed the authentic Note and Mortgage. I stand very firm in my argument that is supported with substantial evidence that these conspirators are trying to suppress. 
" Rather fail with honor than succeed by fraud '' ... ..XXXX  Mr. XXXX XXXX XXXX , I look forward to your response and thank you for your time in advance. 


Respectfully Submitted, XXXX XXXX XXXX
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC. (OH)

The morning of Friday XX/XX/XXXX, I received a notification I needed to verify my identity to keep my bank account open with XXXX. I had just gotten this bank account a couple months earlier, it was already verified, and working fine. I used it only for normal transactions like shipping in stores and online, and all my app/web subscriptions. 

The notification said I had until XX/XX/XXXX to verify my identity. It said when I start the process which should take less than 10 minutes, my account will not be accessible until I complete verification. I completed it the first time, where each step has no inputs to answer their questions. I tried again, and it allowed me to submit my drivers license. It got to the end and did not verify. I tried 2 more times and it still didnt work. I was locked out of my account. I couldnt access the Help Chat because I was locked out of the app and the website. 

The email that notified me of needing to submit new identity verification said I could reply directly to the email for help. I did so and got no reply. By nighttime I got an email telling me I was almost done applying to start an account with them, and apparently I no longer had an account with XXXX. They clearly deleted my account without any reason or warning or info. 

I checked online for all their Terms and I didnt break any of them. This is my ONLY bank account and Im in the middle of a huge business deal, this has been a really terrible experience and I found out tons of other people have had the same bad experiences with no help. From other complaints Ive read, anyone with this issue has had their money lost to XXXX and no explanation or customer support.