davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

I have been trying to get money out of Marcus for over a month now. First I tried to wire to a third party escrow to close on a home purchase, the person on customer service took the wire information for the wire and said it would go out. I then got a call several hours later informing me that they do not wire to third parties only to accounts in my name, so I started a wire to my credit union. Then, because my credit union uses a third party bank for wires, they informed me that a wire was not possible. At that point I was able to get a person to send me a cashiers check, WAY too late to close on my house. ( I had to take a personal loan for my down payment from my mom to close ) So, knowing that it would be impossible to get money going forward I opened an account with a new bank and tried to wire funds to that account. Marcus then proceeded to lock my account and every time I try to call to get it unlocked they put me on hold while they attempt to contact someone in a specific department and 30-40 minutes later come back and say that no one is picking up. I have called multiple times and can not get my money now. The most recent call, they couldnt even find my account in the system.
Consumer complaint received 2021-03-26
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. (TN)

I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section 605 & 623 as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (MA)

Dear SANTANDER CONSUMER USA ; Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading, and multiple inaccuracies. therefore it's in violation of sections 609 & 611 of FCRA. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA , Inc. FILED : XX/XX/XXXX XXXX ;
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2021 a {$45.00} payment was to be taken out from the checking account associated with the the Barclays credit card. However, at this time Barclays did not withdraw the {$45.00}. Attached is an email confirmation from Barclays confirming that Barclay 's received payment. On XX/XX/2021 I was required to restrict the initial associated checking account due to fraudulent activity. On XX/XX/2021 I was charged a {$29.00} fee by Barclays for a returned payment. However, when I made the payment on XX/XX/2021 the account was open and the funds available, Barclays charged me the {$29.00} fee because Barclays did not withrdraw the funds on the day specified. I should not be charged for Barclays laziness.
Consumer complaint received 2024-02-01
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. (NJ)

I am reaching out to revisit the matter of a dispute I previously lodged concerning the unidentified and unverified negative accounts reflected on my credit report. Despite numerous requests for their removal, these accounts persist on my credit file, adversely impacting my creditworthiness.
Consumer complaint received 2021-03-31
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. (MD)

The credit bureau was sent a letter requesting verification according to FRCA 611 ( method of verification ) of several items on my credit report. You want sufficient proof FCRA procedures were followed and proper steps were taken to verify the dispute as accurate. I have not received the written verification. I would like to see a complete list of all documents and correspondence with. The 15-day window has expired.
Consumer complaint received 2019-06-07
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: EQUIFAX, INC. (MO)

My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX  XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

Re : Lowes Credit card XXXX ( Synchrony Bank ) Since XX/XX/XXXX, payments every month since then, including additional payments per month, have not been allocated as directed to the NON-promotional balances first, as in verbal instruction and online preferences. Credit is applied even to promotional balances not due for over 6 months. I make additional payments in order to not pay interest on regular balances, as interest would negate the card 5 % promotional savings. I have spoken each time to a rep to ensure credit is allocated correctly, incl. XXXX XX/XX/XXXX, XXXX & her supervisor, XX/XX/XXXX, and most recently XXXX XXXX, as well as others, but statements every month have to be re-adjusted to correctly allocate. This makes it very difficult to pre-plan expenditures and pay without interest. 
From Lowes site : " Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' Not adhering to this procedure on a routine basis, is unfair and dishonest in practice.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received and investigation results. 

The inquiry was not authorized XXXX XXXX via XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX I was not a total of 60 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please remove it from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received and investigation results. 

The inquiry was not authorized XXXX XXXX via XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX XXXX # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX I was not a total of 60 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please remove it from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXL XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

There was an " automatic '' payment taken from my bank account. The credit card did not have a balance. I did not make the balance or sign up for automatic payments.I called JCPenny and they stated that i had signed up, which i never did. I asked them to look at the history, no purchases were made. Auto payment was cancelled a year ago when the credit card was paid off.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NC)

Your response to my inquiry further demonstrates the incompetencies of your company. There was an investigation done over a year ago and your company has failed to provide me with the details of how the determination was made. I requested a re investigation this year and again, your company has failed to provide me with how this claim was processed. This is my last and final attempt to resolve this manner prior to litigation. Your company has failed to properly investigate the fraud claim which is quite evident from your response.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (MO)

There is a report that I received a speeding TICKET in Illinois on XX/XX/2016. I wasnt anywhere near Illinois in XX/XX/2016. I was down south when it states that this ticket was issued. I have no idea of how this ended up on my report.
Consumer complaint received 2019-06-07
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: HYUNDAI CAPITAL AMERICA (CA)

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY FTC REPORT TO XXXX NUMEROUS TIMES I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) TO BLOCK THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, XXXX 900.00 was put into my account for bill pay. I monitored the acct. to see when funds were taken from the account for each bill. The transactions were called pending however the available balance reflected they had been debited from the acct. To be sure that I understood the term pending I called the XXXX number for Wells Fargo and spoke with a rep. XXXX XXXX XXXX had 2 separate payments XXXX and XXXX. The rep informed me the amt. XXXX had NOT been debited. With this being the weekend before XXXX I withdrew 40.00 and replaced it before it would be debited. When I noticed the amount of my balance was still not enough I called them again. I failed to include the fees. The rep informed me I was XXXX short. I returned to the atm and deposited 1.00. On XXXX XXXX I checked my account and the XXXX amount from XXXX XXXX XXXX appeared as a debit. This left me with approximately 65.00 to my advantage. I discovered this around XXXX. I questioned the transaction however my acct. showed the XXXX paid. Due to my concern I planned to go to my branch when they opened. Before they opened I checked my account and it was negative 135??. I was upset and confused. My available reflected funds where being deducted since first bill payment. I have alerts set to inform me of activity on my account. I get those notices daily according to the activity. When I went into the branch. They printed their info and to my surprise no funds had been deducted toward my bills only merchant and atm activity up until XXXX XXXX. The information I had access to was not the same as what they presented. I asked them if they were not deducted then why did my balance reflect they were. It was difficult to determine which amt had actuall been taken from the acct with XXXX XXXX XXXX. I felt I was deceived and this practice was unfair. Where did those funds go? The majority of the bills were paid however I accrued a NSF of 35.00 and a non payment on one of them due to misinformation on Wells Fargo. My acct is presently over drawn by 165.?? and I dont have the funds to cover them. It was one transaction made for gas and food on the XXXX XXXX around XXXX as well due to the available balance my account reflected. When the branch opened for me to verify or replace the amt used the 124.00 was not there and the debits made was not toward trans. done on the dates they were made. It is suspicious that my account no longer reflect the daily credits being made it shows all done on XXXX XXXX.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (NV)

Via USPS, on or about XX/XX/XXXX, I received a statement from Genesis Credit informing me that I made a purchase from XXXX -- Corp. Office Purchase, on or about, XX/XX/XXXX. what year? it was left off the statement. 
The amount is quoted as being {$1600.00}. since I have never made any purchase ( s ) from XXXX and I have never done business with Genesis I called to there XXXX offices to try and settle this on XX/XX/XXXX @ XXXX XXXX  PST. I Spoke with an agent whom Identified herself as XXXX. I gave her the account number listed on the statement mailed to me. I explained that I was trying to resolve this issue by speaking with Genesis, so I wouldn't need to reach out to the CFPB. The agent said she'd be sending me an I D Theft form. I told her I would not be giving Genesis any further information about myself because I have no idea who they are! ( I want the form to pass on to the CFPB )
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-11-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

In XXXX XXXX XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. XXXX and Experian did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the  agencies can not figure this out. Its so simple of an error on there part.
Consumer complaint received 2021-07-01
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: Santander Consumer USA Holdings Inc. (OH)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2021, someone use my old address from about 10 years ago to open a bank account with Chase Bank. Chase called me to verify some information and I alerted them that I had not opened an account with their bank. The bank advised me that I had to file a report to get the account closed.