davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

This is a follow up complaint from original complaint # XXXX which, in a nutshell, was a complaint for an unpaid {$200.00} welcome bonus ( incentive ) offer. I have received the {$200.00} but the complaint now is that it was 3 weeks late ( the agreement stated it would be paid within 45 days of meeting all the requirements and those were met on XX/XX/XXXX so 45 days from that is XX/XX/XXXX but I didn't get paid the {$200.00} until XX/XX/XXXX ). 

The other part of the complaint is that Wells Fargo sent me a letter on XX/XX/XXXX ( 1 week  after I already got the {$200.00} ), wrongly stating that I did NOT meet the requirements. Even after giving me the {$200.00}, they are STILL giving me wrong information. Here is what they are stating in that letter : " Please understand that the eligibility requirements are reviewed based upon a 30 day interval or by calendar month. '' This is wrong because nowhere in the agreement I signed does it state that. What was stated was " per month '', meaning any consecutive 28 day period, or periods such as XX/XX/XXXX to XX/XX/XXXX, or XX/XX/XXXX to XX/XX/XXXX .... Wells Fargo is STILL trying the change the semantics of the agreement to meet their needs but what is legally binding is the actual wording. 

So Wells Fargo breached their contract by not paying me on time and I am complaining about that. They should NOT be allowed to do this. They did not offer me any compensation as I requested. I do not trust this bank. I suspect they are doing this same thing to many other customers. If it wasn't for the fact that I was so persistent in getting the {$200.00}, they likely would have NEVER paid me. Even on the day I got paid ( XX/XX/XXXX ), I asked them why they didn't just deposit it into my account. They told me they were waiting for me to show up at the branch office. This tells me had I not shown up in person at the branch office, they likely would NOT have paid me. Again, this is all proof of a bank that is manipulating customers in a way to not pay them incentive money. This is shady business and needs to be stopped!
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

This is now the third dispute, with Equifax surrounding an invalid and then inacurate Activity Designator value on my credit report. 

This account is closed, evidenced by the text in the comment, and the the Closed Date. 

The N/A Actvity Designator - shows NA. 
It should be CLOSED. 

I have attached a screen shot - of the XXXX account, and then also a XXXX screen shot with the BR account, and another account just like this XXXX - with the correct code. 

Please correct this code - verify its communicated status from XXXX - is correct.
Consumer complaint received 2021-02-26
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus 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. 250 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 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion deleted a tradeline from my credit report following a dispute. The intent of the dispute was simply to have the balance of the account updated as it was not current. The creditor ( XXXX XXXX XXXX ) has re-reported the account to Transunion, however, Transunion has yet to reinsert the tradeline. I would like to have this tradeline reinserted into my credit report so my credit profile is accurate and complete. Attached, please find ( 1 ) a  statement from the creditor ( XXXX XXXX XXXX ) on company letterhead, dated XX/XX/XXXX, confirming the account has been re-reported to Transunion ; and ( 2 ) an excerpt of my XX/XX/XXXX Transunion credit report which provides the identifying data for the account in question. Thank you for your time and attention to this matter.
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There is an unverified late payment, paid charge-off, and collection that hasn't been validated that's on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MA)

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day and can not verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-01-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MO)

Comenity Bank calls 8-10 times per day, everyday, even on weekends. They never leave a message or even a call back number. They call from XXXX different phone numbers and I have asked them to stop harassing me with the excessive calls, yet they continue.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Let me start by saying that my business is a Tax Preparation Office. On XX/XX/XXXX, I got an email out of nowhere from Chase that my business account was closed due to suspected fraud. As far as I can tell, the offending transaction was a refund from the IRS sent to one of my clients under his name for his tax return XXXX and this type of transactions is very common in the tax preparation business, specially when the client request a cash advance from our office .Upon closure, I immediately call the bank and they can not provide any information, just that they will be conducting a review and that I should receive an explanation in the mail, as well as a check with my funds. I went into a physical branch and they say the same. 

It's been almost 30 days later, I still haven't received the check in the mail. So I went back into the physical branch, this time together with my client that I mentioned above to see if someone at the branch can actually verify my client 's identity in person with his passport, social security card, and driver license, but unfortunatley they said no. The only way to verify my client 's identity is providing a telephone number under his name. We even provided a telephone number that we are 100 % sure it was bought by my client under his name, but still the rep on the phone kept saying that the number we provided can not be verified by his system. 

At this time, is almost impossible to get my client 's identity verified by Chase so they can release the funds that they are holding in my business checking account that was closed without a valid reason.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

To my knowledge, I was never late on my XXXX auto lease with account number XXXX. But I realized that I was reported as being 30 days past due twice on XX/XX/XXXX and XX/XX/XXXX which can't be true. I have had this account since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge, I have always made 100 % positive payment history and have even tried to pay way before my due date.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX  ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2018-06-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NJ)

I went to the XXXX dealer XX/XX/XXXX and was given a XXXX XXXX XXXX. I was told that they could not take my XXXX XXXX XXXX because of all the recalls and that the vehicle they were giving me would be more reliable. That I should surrender that vehicle for theirs. ( XXXX dealer sold me a XXXX Vehicle ) ... I only had the vehicle for 3 months. Did not drive this vehicle nowhere close to 1000 miles ( I am XXXX  ) Vehicle broke down on a Sunday, XX/XX/XXXX on Expressway. I had it towed to XXXX and that Monday went into their dealership to find out what could be done, as I did not know what was wrong with Vehicle. They advised me 6 hours later that I needed to get the vehicle towed to XXXX because no one in their garage knew how to fix a XXXX. They also wanted to swap out vehicle with another vehicle but said my payments would be {$700.00} a month. I declined that offer as I am on social security and can not afford that monthly payment. I then towed vehicle to XXXX XXXX on XX/XX/XXXX and was told on XX/XX/XXXX that it was the transmission which would costs me {$5700.00}. Mechanics ' name was XXXX. I then let XXXX know of the situation and they said they would get back to me. Today, XX/XX/XXXX I heard back from them and they wanted to give me a XXXX XXXX XXXX but would not give me a monthly amount payment then claimed they couldn't find a bank to finance me ( Remember now, I have my XXXX on my credit report now ). After being there for 5 hours, they asked me to leave claiming they would get back to me when they could find a bank willing to finance me. I then called the bank I am financed under trying to see if they would help me and they said they don't do that and instead of volunteering to relinquish my vehicle back to them, they claim it would be a impound because my vehicle was not in my possession but rather at a business ( The business XXXX told me to take it to ). If you could help I would appreciate it because at this point I do not know what I can do and I need a vehicle. I keep getting the run around from XXXX and my issue with them is I only had the vehicle for 3 months which is crazy to me. ( But this was supposed to be the more reliable car )
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I actually would love it if we were able to select more than one option on the question what problem are we having. I have several 1 ) Equifax incident was in 2019, i filed all requested and required documents to be reimbursed as per the instructions. I have yet to get any kind of response on that. No reimbursement, no identity security, not a call or a letter back nothing 2 ) it took me several attempts over the course of two months accumulating 7-10 hours on the phone to get through their faulty phone system, sit on several different periods of random holding for extremely lengthy periods, to finally reach a human to unlock my account on their site because they stated I answered the questions wrong. After I finally gained access I began the long uphill battle to try and correct my report on Equifax because it is beyond screwed up. Still not done with this process.

3 ( tried to request my free credit report, and was again locked out of their site and my account because they said I answered questions wrong but their identity verification questions included accounts I never had! How can I compare and correct my report if they keep locking me out and making it impossible for me to see all the details?

This process and system have become unacceptably inconvenient and frustrating, not to mention it's all because they crowned themselves big brother which essentially makes them the biggest scariest most invasive stalkers of all time. How is these business or practices they " instituted to keep citizens safe '' be legal when they are the reason hackers are targeting our info to begin with. They made up their service way back when they convinced a few key monety lenders and banks that they knew everything about everyone and it was just silently accepted as fact. They aren ; t the government they have no legal powers they NEVER asked for my permission to collect personal and sensitive information about me yet I am not allowed to remove myself from their databanks??? how fair is that? how can that be legal?

So again, for the third time this year, since they the all powerful credit watchers have the WRONG information, and apparently can ; t be bothered to hire enough people, or invest in quality management of any kind, I have been locked out of my account again, and have to go through the circus of trying to get a breathing human on the line to help me since you can't unlock it yourself or request a reset even. This company has cost me way too many hours of my life already I demand change and resolution
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Santander. 

I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. 

Furthermore the account is full of inaccuracies reporting to my bureaus. 
The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. 
Secondly the amount claimed owed is incorrect. 
Third ... .how do you owe any amount on a charged off account? 

I've attached in this complaint a copy of my XXXX  credit report showing false information. And a copy of the cease and desist letter sent to the company directly.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX   I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with XXXX   and XXXX hoping that they would address this issue. XXXX XXXX then reported back to XXXX that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( XXXX ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

The same creditor that reported erroneously has reported the same late payment that was previously removed last month. Ive paid every month since then and they are ruining my credit. They have reported me being late in XXXX AND XXXX OF 2020 once again and I wasnt! Ive already sent documentation validating this! Im going to consult with an attorney at this point. This is harassment!
Consumer complaint received 2020-09-10
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. (NJ)

I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX Account Number # XXXX Balance {$1300.00} XXXX XXXX XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX Account # XXXX Balance {$380.00} XXXX/XXXX XXXX Account Number # XXXX Balance {$350.00}
Consumer complaint received 2019-05-14
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. (CA)

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.