davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I used to XXXX service through Wells Fargo to transfer {$180.00} for tickets and was scammed. I contacted Wells Fargo and they said there is nothing they could do. Im so disappointed, because I wouldnt even have used this service if I knew my own bank wouldnt back me up. This happened today XX/XX/2018
Consumer complaint received 2022-05-02
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. (IN)

On or about XX/XX/XXXX, TRANSUNION reported several late payments marked as past due on several accounts reporting on consumer 's TRANSUNION account. One of the accounts is XXXX ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted XXXX XXXX XXXX XXXX ( XXXX ) in regards to the late payments, in which I submitted a good will complaint via phone to XXXX XXXX XXXX XXXX to update the accuracy of the account, and to update the late payments to reflect paid on time. XXXX XXXX XXXX XXXX refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. TRANSUNION is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. TRANSUNION knows an account CAN NOT report 60,90 days prior to 30. I have already informed TRANSUNION that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that TRANSUNION is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that TRANSUNION is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IN)

On or about XX/XX/XXXX, XXXX reported several late payments marked as past due on several accounts reporting on consumer 's XXXX account. One of the accounts is JPMCB ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted JP Morgan Chase Auto ( JPMCB ) in regards to the late payments, in which I submitted a good will complaint via phone to JP Morgan Chase Auto to update the accuracy of the account, and to update the late payments to reflect paid on time. JP Morgan Chase Auto refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. XXXX is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. XXXX knows an account CAN NOT report XXXX days prior to 30. I have already informed XXXX that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that XXXX is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that XXXX is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Consumer complaint received 2019-09-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (RI)

I was advised the day before my dead line that I wasnt going to be able to move forward with the purchase and I wasnt able to get my denial letter from the mortgage company, therefore hindering me from obtaining my deposit back from the XXXX .... the mortgage company manager stated that the loan officer had removed my application from their system prior to leaving the company so they cant provided me with any documentation. My deadline was XX/XX/XXXX and my loan officer told me on XX/XX/XXXX to pull out! Giving me no time to react with such short notice.
Consumer complaint received 2022-05-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, ATTORNEY GENERAL account # XXXX and # XXXX, XXXX / XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-19
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2018-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (CA)

I was promised a {$200.00} bonus for opening my 'Sofi Money ' deposit account. I joined a waiting list and awhile later I was sent an email telling me my account was opened. At that time, I went to the companies website and read their FAQ which indicated the bonus was still active for new accounts. I followed the terms in their FAQ ( depositing {$500.00} ) and after not receiving the bonus, emailed the company. They told me the bonus was discontinued and have refused to pay it. They have now removed this from their FAQ but it was there at the time my account was opened and when I made my deposit.
Consumer complaint received 2018-02-21
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. (FL)

I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.
Consumer complaint received 2018-10-06
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: Experian Information Solutions Inc. (CA)

According to XXXX, a credit card I don't even remember applying for, my application was denied by Experian for the following reasons : " You have filed for bankruptcy and your previous account ( s ) with us was including in that filing. This includes any of your accounts issued by XXXX, XXXX, such as XXXX, XXXX, store cards, or gas cards. '' * I never had credit account ( s ) to me recollection with any of the above-referenced vendors. Although I did file for bankruptcy on or about XX/XX/1999, that bankruptcy was long discharged and should have no bearing on current credit applications. 

*According the Experian Dispute Center there are, at least two,  completely misspelled aliases to my name that have nothing to do with my account, are not aliases I or anyone with my authorization have ever used in the past in any financial transaction, and are so off from the correct spelling of my name that common sense can easily see the difference. However, the Experian online dispute center does not allow my to dispute these obviously false aliases. 

*The Experian dispute center shows several hard inquiries, including a XXXX XXXX in XXXX XXXX I have never visited, never contacted, or ever done business with, and no credit inquiry was approved by me. The same is true for an auto loan from XXXX XXXX with whom my wife had a previous auto loan with which was a very negative experience. They are the last lender I would ever authorize to do a hard credit check on my account. 

The result of Experian 's false, misleading, outdated, and completely erroneous credit history provided to potential creditors is defamatory, and injurious to my efforts to establish legitimate accounts with potential creditors and actively preventing me from improving my overall standing with those I do have. Furthermore, the limited access they provide to consumers make it nearly impossible to dispute or get this erroneous information corrected. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX someone made thre seperate transactions in three different gas stations in the city of XXXX XXXX around XXXX in the morning. I have only ONE debit card to my name and I was getting out of work during this time. I also received an alert from the bank asking if I had made those transactions because they looked fraudulent and I texted back that it was not me so they closed my debit card. The three seperate transactions were each for XXXX totaling XXXX. My card was initially credited but then the money was taken back out because my PIN number had been used. I explained that I had obviously been the victim of card skimming and according to Chase Bank card skimming does NOT EXIST. On XX/XX/XXXX I faxed evidence of where I was on the date in question verifying that I had not made those transactions. According to Chase someone had my card and knew my PIN so there was nothing I could do. I am the only one with access to my card and there is only ONE card. I requested for them to get footage of the date of the transactions and they said they don't do that. I want my hard earned XXXX dollars back. Can you please advise as to what I can do and how do I get Chase to give me my money that was taken by a thief.
Consumer complaint received 2018-02-21
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. (FL)

I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.
Consumer complaint received 2023-02-15
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. (VA)

The following accounts I have listed below XXXX XXXX XXXXMy rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the report; Please update account to paid as agreed and ok on credit file.
Consumer complaint received 2018-02-21
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)

Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX XXXX XXXX  Open XX/XX/15 Amount XXXX
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NC)

I have a complaint with Chase Freedom credit card. I made a mistake with a payment I submitted on XX/XX/XXXX, and the payment was returned. As soon as I found out, I immediately called Chase to let them know. I called them to ask if the fees would be refunded since I was a long time customer and paid my balance each month. I haven't carried over a balance for a year or longer. I made another payment that was satisfied and clear my bank account. I noticed my available credit was a lessor amount. Today, XX/XX/XXXX, I called to inquire about the balance and payment. I saw the payment posted to my credit card, but was informed my payment was on hold. I continue to question why, if the payment posted to my transactions. I was informed my payment was on hold. The payment has posted to my checking account and to my credit card, but I can't use the payment I made on the credit card. I asked why, I was informed my payments would be on hold for four months because I had one returned payment. May I add, the fees were waived and credited back to my account. I was told the hold would be lifted after calling my bank to verify the payment, which I don't understand. They are holding funds they have posted to my checking account. I've checked my balance before submitting this complaint, but the payment hasn't posted to the credit card.
Consumer complaint received 2018-02-21
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)

XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

One loanwith XXXX has been paid in full as agreed since XX/XX/2022. XXXX hasn't reported to the credit bureaus since then and it still shows a balance on my credit report. I have disputed with the bureaus amd it remains and have contact XXXX directly with no resolution. 

A second loan with XXXX hasn't been reported on since XXXX and the balance is incorrect by over {$1000.00} USD
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute several late payment entries on my credit report. Upon reviewing my credit history, I have noticed discrepancies regarding the reporting of late payments on certain accounts. The details of these late payments are as follows : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CO)

On or about XX/XX/XXXX I purchased onlinetwo XXXX tickets from XXXX  to XXXX on Delta airline. At that time while I was online, I was offered a XXXX mile Delta air miles bonus and cash bonus upon use of the card to purchase an approximate {$1000.00} over a specified period of time. I applied for this card, and was immediately notified of my acceptance for this offer. I received the card in the mail on or before XX/XX/XXXX, and called and activated the card on XX/XX/XXXX. Following this activation process, I asked for a confirmation of the mileage offer which I had applied for in XX/XX/XXXX. The representative indicatedl that There was no mileage bonus for this card because I had previously had an XXXX   Delta card. I then requested that they cancel the card and provide me with an email confirmation of the cancellation. They indicated that they would only notify me via mail of the cancellation.

I contend that XXXX   Delta failed to honor their online offer made to me, and as a result I have cancelled a credit card which will adversely affect my credit rating.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TN)

XX/XX/2107. The amount is {$210.00}. A company called me saying that I have a debt from XXXX XXXX which I dont. I cancelled it because I moved to another city because the city i moved to didnt have a XXXX XXXX. I even paid them to cancel my membership.
Consumer complaint received 2021-03-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NC)

My refinance loan XXXX XXXX XXXX closed on XX/XX/XXXX. As of today, XXXX, XXXX XXXX my loan has not funded. The origination process was mishandled numerous time by the company. I started my application process in XXXX of XXXX and had been approved and locked a rate XXXX. The loan took until XX/XX/XXXX to close and then the company did not disburse the funds.
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

A medical collection attempt from Medical Data Systems. One is dated XX/XX/XXXX and the amount is {$75.00}. The other one from the same company is dated XX/XX/XXXX for {$66.00}. I have no records or knowledge of any medical services from those dates or those companies. 

I submitted a dispute and this company did not verify the debt. The accounts were removed from my XXXX report, but have yet to be removed from XXXX and XXXX.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

The company called me today, XX/XX/2022 stating that they have filed a judgement for a debt that was unknown to me at the time of the call. They told me that I would receive a certified letter in the mail. When I called them back to get more information the person I spoke to mentioned a debt that I settled over 15 years ago. He told me that they sent me a letter last week, which I did not receive. To prove his point, he repeated my social security number over and over to me. I asked him to stop and to give me a contact email, fax number, or address to send my settlement letter to. He again repeated my social security number and then hung up without giving me further information. 

This company then proceeded to call my immediate family requesting to confirm my mailing address for the certified letter they will send me.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (TX)

I did not authorize or consent. Nor did I gain anything from these accounts. I know as an consumer any inaccuracies need to be removed from my Credit Report. I have tried to fix this matter with Experian but they didn't remove these inaccuraices from my report. 

The inquiries are XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX