davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I never received a bill in XXXX. The last payment I made was XX/XX/2020. Because the interest free promotional period was near, I thought I did not receive a bill because my balance was XXXX. ( That was the case for another company, I have 3 interest free promotional periods ending within a2 month period, so I was confused ) I still tried to call several times to confirm but could not get a human on the phone. The automated system said my balance was the same as my last payment, it sounded like I was done but still wanted to speak to someone. I tried calling again during the week rather than the weekend on 2 seperate occasions and still could not get a human on the phone. I received a text on XX/XX/XXXX from an unknown number telling me I missed a payment. I called and that's when I was told the bank changed and the bill now comes from elsewhere. I explained that I never received anything and wanted a bill to ensure it wasn't a scam. I still haven't received anything in the mail. I looked through my mail for the new envelope but it has a due date for XXXX. I never received a bill for the XXXX due date. I have a XXXX promo finance charge, a late fee charge of XXXX and it says my previous balance was XXXX. I also have a charge called promotional revolving at XXXX. I don't understand the charges and I asked them to waive the fees and interest since I never received anything. The promotional period ended in XXXX and that is when I did not receive a bill. I thought maybe I didn't see the bill because it was sent in a different envelope and I didn't open it yet since I was looking for the same envelope I've seen for the past 2 years I've been paying this bill. But upon looking through all my mail the only bill I see from the new company is due in XXXX. Also the account number on this bill is different than the one I've been paying for the past 2 years. I easily get on the phone when I call the number that texted me but when I call the number given to me by the store I made the purchase from I can't get anyone on the phone. The store I made the purchase from did confirm that they changed banks but didn't understand why my account number was different. I want to pay my bill but only the remaining balance if I had one.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (FL)

I mailed this date ( XX/XX/18 ) a letter to A.R.M. Solutions regarding a debt they indicated of {$15.00}. indicating that I paid for a newspaper subscription in full. It ended. The XXXX XXXX continued to send me papers, after I advised their C.S.R. on the phone that I did not want to renew. I do not owe the XXXX or this debt collector anything.
Consumer complaint received 2022-03-29
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. (OH)

Was approved for a loan on : XX/XX/XXXX1 Application Number XXXX ( was approved ) Loan was refunded in full, as I left the school and decided not to attend. 

On XX/XX/XXXX I received notice from Transunion that my credit was pulled from XXXX XXXX which was not authorized. 

I have left XXXX XXXX 's, sent XXXX emails and tried their chat feature on website and nobody responds or gets back to me.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

There is an item on my credit report, a late payment of 30 days from XX/XX/2014, for my home mortgage with XXXX XXXX. My mortgage with XXXX XXXX is a written contract and according to ARIZONA STATE LAW STATUTE 12-548, THE STATUTE OF LIMITATIONS FOR A DEBT IS 6 YEARS. This law supersedes the Fair Credit Reporting Act. I would like this item removed from my credit report as required by Arizona State Law.
Consumer complaint received 2020-06-25
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. (AZ)

There is an item on my credit report, a late payment of 30 days from XX/XX/2014, for my home mortgage with XXXX XXXX. My mortgage with XXXX XXXX is a written contract and according to ARIZONA STATE LAW STATUTE 12-548, THE STATUTE OF LIMITATIONS FOR A DEBT IS 6 YEARS. This law supersedes the Fair Credit Reporting Act. I would like this item removed from my credit report as required by Arizona State Law.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

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

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That 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, XX/XX/XXXX and again on 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 2021-02-26
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. (NC)

I was denied for a mortgage loan and came to find out there is a charge of account on my personal report from XXXX XXXX that I never remembered being a guarantor to. This has totally damaged my credit report and i have disputed this and nothing has been done. They are not able to validate or show any proof that I was a guarantor to this loan. 
This credit report shows the account was opened XX/XX/XXXX and was last reported on XX/XX/XXXX. It has a current balance of {$22000.00}. Original balance was for {$66000.00}. Their remarks states " Charged off as bad debt|Canceled by credit grantor. '' The account number is XXXX. This report can not not be possibly accurate base on the events even stated on the report. You can not report anything on anyone 's report if there is any errors. This has destroyed all my life of getting a home after having been working on my credit for years. This should totally be unacceptable.
Consumer complaint received 2018-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

This company has unlawfully and negligently listed a medical debt through XXXX XXXX XXXX for {$50.00} without sending me the Florida and federal legally mandated required notice of assignment giving me the 30-day right to dispute. This company has a history as listed with the XXXX XXXX XXXX of listing debts without following Florida law. The law that I'm representing is Florida statute 559.715, which states that any debt collector must within 5 days of receiving it as a debt send out a letter to a debtor letting them know that they have 30 days in which to dispute the validity of the debt before any lawful collections can occur. By this company listing the debt on my XXXX credit report, they have engaged in the collection of a debt without following either the Florida consumer collections protection act or the fair debt collection practices Act. my rights under state and federal law have been violated. This company operates as collection information Bureau and also as XXXX XXXX XXXX.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (MI)

I was set to close on a first-time home purchase this week so I sent a wire transfer from Ally Bank XXXX XX/XX/XXXX to my primary bank account. Ally advertises and describes on their site a wire transfer process that is typically completed in the same day if submitted before XXXX. If submitted after XXXX, they state that wires shall be processed in the next business day. 

I reached out on Friday, XX/XX/XXXX to confirm there were no issues and ensure I didn't need to complete any additional steps because it was a larger some of money ( {$120000.00} ). I was told I didn't need to do anything and that the transfer would be in by Friday night or Monday morning at the latest. On Monday morning ( XX/XX/XXXX ) I called and was told it would be in Monday night. Monday night when I called I was told it would be in by Tuesday morning ( XX/XX/XXXX ). Tuesday morning when I called I was told it would be in by Tuesday afternoon. Tuesday afternoon I was told it would it would be in by end of day Tuesday or Wednesday morning ( XX/XX/XXXX ) at the latest. 

At this point I have delayed the closing of my home purchase twice, and the sellers have put a deadline of XXXX to have the funds transferred or the deal is off. So, four full business days later and my wire has not been sent by Ally Bank. Ally customer service refuses to escalate the issue beyond providing me a customer service supervisor to ask for feedback to provide the wire team.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Someone has filled out a USPS mail forwarding form and it seems the credit card companies and banks use this as an " official '' notification of change of address so I have been making calls and correcting my address multiple times. My email has also been changed with some credit card companies. I've changed user ID and passwords but the USPS info. trumps all of this. 

The fraudulent address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IL)

According to CFPB RULES, in the complaint Nos. XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX I, XXXX XXXX XXXX ( XXXX ) pursuant to and under 15 USC 78c and so forth, etc.,. I ( XXXX ) was told by your employee to allow your company 15 days of investigation and process of an complaint. Well when I placed the first complaint I told them that I had two complaints and I was told by your employee to wait for the first one to see what happens. Anyway, I placed the second one on XX/XX/XXXX and within 24 to 48 hours later I was phoned by your { assumingly } employee that she was calling me on the behalf of Wells Fargo and that the case was closed. Then within 2 weeks later I received a bogus, pranked, unprofessional letter from Wells Fargo with overlapped information from XXXX XXXX writing on the behalf of Wells Fargo regarding my current bank accounts numbers in which this is not my complaint. My complaints about both banks were as I filed in the complaints itself. Please reflected back to the previous filed complaints and I, XXXX XXXX XXXX pursuant to and under 15 USC 78c for both banks. Mr. XXXX XXXX, XXXX and or company President at XXXX XXXX  had sent me a question on my online banking of how much but I did not respond because I only want the monies that I either had going or put in the accounts by payroll deductions and or deposits plus the showing of monies entered into my account that I had expected it and more to come to. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX ( Cell ) XXXX ; ( Email ) XXXX Be on the look out for the faxed letter of supposedly Wells Fargo letter dated XX/XX/XXXX.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I put in a dispute on my XXXX XXXX  credit card on XX/XX/XXXX it still has yet to be resolved in the 30 days I have sinced called both companies involved a few times and have yet to resolve this issue also I have received late fees since this has started. XXXX XXXX  would not remove the charges of items I received and comenity capital bank has not disputed the charges yet.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

both my savings and my Capital One account were hit with XXXX in charges i made many disputes my XXXX bank called an informed me my account was hit i called capital on i had no luck talking they closed both my accounts and now i can not open another one
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC (MD)

I received notification from my automated credit report monitoring platforms. The original creditor is XXXX, my account was sent to a debt collection agency XXXX  to me because I never received a debt validation letter. The amount of {$1900.00} is completely inaccurate but aside from this I was not allow due process to dispute this account or amount. It is in violation of Federal Laws and would like this information removed and me being allowed due process.. These companies should not be allowed to ruin someones credit because they can..
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I had a Coinbase account where I purchased bit coin and where I also stored United state dollars. For some unknown reason, I received an email from Coinbase on XX/XX/XXXX stating that I violated their terms and my account would have to be closed without any detailed explanation. I am now trying to transfer out my remaining funds from Coinbase but am unable to link a bank account to complete the transfer. I have sent 2 separate emails to coin base with no response. All I wish to do is withdraw my money out of Coinbase but they are not helping, or telling me how to do it.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/year> {$5000.00} wire from XXXX to XXXX XXXX XX/XX/year> {$9800.00} wire from XXXX to XXXX XXXX XX/XX/year> {$5000.00} wire from XXXX to XXXX XXXX XXXX transfers sent to Wells Fargo Bank checking account # XXXX XXXX routing XXXX Wire transfer fraud arranged by XXXX XXXX
Consumer complaint received 2021-02-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BBVA FINANCIAL CORPORATION (AL)

For the last 11 years, appoximately every 2 months, we continue to receive credit card/ pre-qualified line of credit applications for the previous occupant of our home. The offers are sent from BBVA, BBVAUSA.com, Reservation code XXXX. Former occupant was Ms. XXXX XXXX XXXX. I have no bank/credit accounts with BBVA- and have no interest in receiving any offers. 

-We have lived at our current address of : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX, for 11 years, since XX/XX/2010. I have no knowledge of where Ms. XXXX XXXX currently resides. In addition to it being waste of time and USPS mail, it also indicates the potential for identity theft if someone else were to receive this and impersonate Ms XXXX XXXX information to request a line of credit at our address. 

We keep getting pre-approved offers for her, only from BBVA. I have contacted them multiple times to update their database/ address, but it never works. They have a contact phone of XXXX ; usually the call representative states that they will make a note of it in their database, but apparently that is not being connected to their direct-mailing / credit offer section. 

I have also called the " Opt-out '' phone 3 of XXXX to opt out of pre-screened credit offers, but again it does not seem to prevent these letters from BBVA.
Consumer complaint received 2020-07-13
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. (FL)

Transunion has refused to delete a fraudulent inquiry that has been on my credit report exceeding a year. The company XXXX XXXX XXXX XXXX XXXX has contacted Transunion on 3 or  4 occasions in regards to to the removal of the fraudulent hard inquiry XX/XX/2019 and again, no removal of the inquiry. I have forwarded the letter on several occasions that XXXX provided me requesting for Transunion to remove and they still have yet to delete from my credit report.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (NJ)

I opened an account on XXXXwith Revolut, operating as XXXX XXXX XXXX for US customers .

The terms were that I would have up to {$800.00} USD of free withdrawals and pay XXXX on anything over that. Then on XX/XX/2024 to my surprise when I tried to withdrawal cash while on vacation I was told that deposit accounts have a weekly limit of {$1700.00} USD cash withdrawals. I have been going in circles since then with them and they refuse to increase XXXX it's stating it is online with US policies? To me this seems illegal to not allow someone access to their own cash.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (NJ)

Chase Sapphire customer supports keep following the wrong commands during the phone call. I can not have my credit score being affected when I, as the authorize user have yet to receive the physical card. I provided all of my correct information to the agent, they confirmed the address back, but it has been 3 weeks. We keep calling, they do confirm the right address, but then when we checked XXXX, they mailed it to the wrong address. So what was the reason for me to confirm my address 3 times. I have attached the shipment ( 3rd request ) down below.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I submitted an online dispute with Equifax for the XXXX account ( Confirmation number : XXXX ), as the payment history, and account status was incorrect. I never heard from them. It's been well over 60 days. On XX/XX/XXXX, I submitted another dispute ( Confirmation number : XXXX ) advising them to remove the account, as it was inaccurately being reported. Still no response. Now all my positive accounts and some of my negative accounts from XXXX have been removed and they are reporting only 3 accounts which is negatively impacting my credit rating. However when I view my credit report from Equifax, I can see all of my accounts. I need my history back.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

XX/XX/2020 we contacted rocket mortgage to help us with getting a mortgage to buy a home. on XX/XX/2020 the day of our close rocket mortgage sent us an email that the application was in suspension too long and we had to start over. We suppled everything that was ever asked of us as soon as it was requested. We are now going to lose our dream home because of rocket mortgage handling of our mortgage.
Consumer complaint received 2020-07-13
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-13
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.