davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2020 i recieved an electronically generated {$470.00} loan deposited into my checking account the bank cleared monies and made it available to me on the same dayXX/XX/2020 I in turn went to XXXX and purchased a Target gift card for {$470.00} and paid the loan back via the XXXX gift card.on the same day XX/XX/2020. 
5 days or 120hrs later. 0n XX/XX/2020 recieved overdraft of {$460.00} plus penalty, after realizing what happened I called the bank to file a complaint and was advised to change my account number and freeze the account which I did. On XX/XX/2020 another 3 days or 72 hrs later called bank to check on my claim and found that I did not have one after getting the run around for 5 hrs. finally got a claim filed I do not believe I owe for that overdraft when the bank made it available to me and 5 days later decieded it was not available, as a result I lost my loan and my credit score will take forever to repair
Consumer complaint received 2022-01-12
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)

Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all XXXX major credit bureaus ( XXXX, XXXX and TransUnion ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY (TX)

I was unable to dispute a item online and Im getting a error message on my XXXX credit report I contacted XXXX and see if they can fix the issues and some reps dont know what Im talking about and they keep Transfer me to different departments and Im still cant access my dispute items and Im getting a error messages my other issue is that I have a credit card that shows is in dispute and it not in dispute its a target  credit card and its not showing the balance or any credit history and there is a glitch on my credit report I need have that fixed
Consumer complaint received 2022-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

A hard inquiry appeared on my credit report, dated XX/XX/2022, that I did not authorize. I didn't apply for any credit cards, loans or other products.
Consumer complaint received 2021-06-08
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. (FL)

I reached out to Equifax, XXXX  and XXXX  about the validity of accounts on my credit report on XX/XX/XXXX XXXX 30 days ago ). I have not received a response from them. 

Equifax, XXXX and XXXX  are not complying wither their own policies in a timely manner.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had a checking account with chase I had money in it and just the other day I tried ordering food with my debit card just a day after I had received a deposit and was using my card it all the sudden stopped working I tried signing in online to my account and it said to contact them so I did and they said they had closed my account with no reason given. now remind you I have children that I need to feed and that was my money source for their food and now I wont get any of my money that was in the account for 7 to 10 business days when they decide to close it. also they revoked my credit card for no apparent reason as well I was making payments on my credit card as well now I dont understand why this is happening and they said they would reimburse my funds to me through a check a month ago and still have t recieved it what can I do about this.
Consumer complaint received 2021-01-30
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. (IA)

There are several unauthorized inquiries reporting on my Equifax report. Ive contacted each company and Ive also contacted Equifax several times regarding the issue. And they have yet to resolve the issue. I would like all non account holding inquiries validated. If they can not be validated, I would like them deleted from reporting immediately.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to XXXX, TransUnion and XXXX  about the validity of accounts on my credit report on XX/XX/XXXX XXXX 30 days ago ). I have not received a response from them. 

XXXX, TransUnion and XXXX  are not complying wither their own policies in a timely manner.
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A. (NE)

I've recently received a letter with an enclosed Notice to Judgement Debtor along with a Summons and Order of Garnishment. This letter is coming from a company named Messerli/Kramer & states that the Original Creditor is XXXX XXXX XXXX XXXX. I am unfamiliar with this bank as I have lived in NE my entire life. I personally have not had any loans, credit cards, etc for well over 10 years. I have no knowledge as to what this is all about and am asking that something be done regarding this. I just recently started working after our youngest got into school full time, but I am only working a part-time substitute position. My parents receive harassing phone calls for me, which I am assuming is from this Messerli/Kramer as well. With regards to this XXXX XXXX XXXX XXXX, I have been doing some research on them and have found that there had been a lot of fraudulent activity happening within their organization. Messerli/Kramer has been causing Hard & Soft inquiries to my credit, which I have finally started to get improved over the years after filing bankruptcy.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE COMPLAINED TO ALL THREE CREDIT BUREAUS ABOUT FEDERAL LAWS THEY ARE VIOLATING ON REPORTING MY CREDIT FILES, BUT IT COULD TAKE UP TO 90 DAYS, I UNDERSTAND THEY HAVE 30 DAYS. THEY ARE VIOLATING THE XXXX VETERANS PROTECTION ACT OF 2010 TITLE 38, SECTION 5301. THEY ARE VIOLATING FAIR CREDIT REPORTING ACT. THEY ARE VIOLATING CONSTITUTIONAL LAW AMENDMENT XIV, SEC 4.  THEY ARE VIOLATING TRUTH IN LENDING LAWS, THEY ARE VIOLATING FEDERAL CONSUMERS PRACTICE ACT. THEY ARE VIOLATING FEDERAL EXEMPTION LAWS. XXXX LAW DICTIONARY. I WANT MY CREDIT FILE RESTORED WITHIN 30 DAYS, NOT THEIR 90 DAYS THAT THEY SAY IT WILL TAKE THEM. I EXPECT THEM TO FOLLOW FEDERAL LAW GUIDELINES, NOT THEIRS. SIGNED XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX, TX XXXX THANKS.
Consumer complaint received 2018-04-05
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: MB FINANCIAL, INC. (NY)

I checked my personal credit report, which I acquired on XX/XX//18 and I noticed an unauthorized inquiry had been made. I contacted mb Financial, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into mb Financial inquiry on my credit report to determine who authorized the inquiry.
Consumer complaint received 2022-08-17
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. (MS)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXXXXXX XXXX : {$1900.00}
Consumer complaint received 2021-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Action : Late XXXX, called Citizens Bank Loan Servicing Center to have lien release from my HELOC mailed to me. 

Result : Citizens did not mail the lien release. I called 3 additional times to have the lien release mailed. Citizens claims to have mailed it XX/XX/XXXX but it was never received. 

On XX/XX/XXXX, I called Citizens for the fifth time to request the lien release be both emailed and mailed to me because their delay is preventing the sale of my house because of an inability to prove their lien has been released. 

Citizens refused to provide the name of any person that I could use as a contact to ensure that my request would finally be processed.

Citizens ' delay has resulted in a delay in the closing of the sale of my house. As a result, I have not received the sale proceeds resulting in financial hardship. In addition, I am paying more in interest expense on my home equity line of credit because it has not been paid off as early or quickly as it would if Citizens would have correctly processed my request.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2020-11-05
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. (CO)

I'VE BEEN PAYING MY MONEY FOR EQUIFAX CREDIT REPORTS WHICH SHOWS MY SCORE IS XXXX WHAT IT SUPPOSE TO BE AND THE WHEN MY CREDIT UNION PULLS IT ITS IN THE 400 'S WITH NEGATIVE ITEMS. THERE ARE TECHNICAL ISSUES CONCERNING MY EQUIFAX REPORT AND THE KEEP HANGING UP ON ME I EVEN TALKED TO GLOBAL CONSUMERS MANY DIFFERENT DEPARTMENTS AND I AM TIRED OF IT. GIVING ME THE RUN AROUND.
Consumer complaint received 2022-04-30
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)

.First I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act Account : XXXX XXXXT ( Original Creditor : 10 XXXX XXXX  ) Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 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 a 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 and purpose.
Consumer complaint received 2020-06-03
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. (MD)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXXXXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CO)

Ongoing problem since XX/XX/2018, financial institution still says charges are mine after I have filed a police report and followed all of their requirement protocols and steps. They keep changing the contact person on my case, the group I interact with, and now they won't respond to me at all. I even wrote a letter to the bank president, XXXX XXXX @ Chase Bank, and no one has responded. 
Date my card was used fraudulently on XX/XX/XXXX, twice, at two different XXXX XXXX locations, totaling {$590.00}. 
I rarely shop at XXXX, and they failed to look into my account history to see that. I have had this credit card for years, and this customer experience has been absolutely awful. Their last suggestion was to call the stores in question and request the camera surveillance recording - which was impossible since over a year had passed before Chase made that suggestion and stores don't typically keep recording tapes beyond a week or so.
Consumer complaint received 2021-02-03
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. (MA)

I have tried numerous times to get the closed account ending in XXXX regarding XXXX XXXX to reflect correctly which Equifax has failed to do. XXXX shows the account being closed in XX/XX/XXXX with no further activity. 

Equifax after a recent investigation on XX/XX/XXXX already reflected the next day changes that were erroneous errors. They showed the account with lates from XXXX XXXX XXXX and another charge off reporting in XX/XX/XXXX which makes no sense since the account was paid and closed in XX/XX/XXXX as will be shown from a picture took of the reporting. This account is paid and closed as of XX/XX/XXXX with no activity afterwards. 

Equifax has purposely tried to re-age this account to reflect negative activity after the fact it was closed in XX/XX/XXXX.
Consumer complaint received 2022-08-17
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)

accordance with the fair credit reporting act 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 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I began a refinance process with Amerisave in XX/XX/XXXX and it has now been 6 months with no end in sight for the process. 

I followed up with the original loan rep many times during XX/XX/XXXX XXXX XXXX, being assured things were on track and ready to close. In XXXX I learned that there was a change in loan officers and that my application was sitting dormant for most of the 1st 2 months and that Amerisave had not even attempted to start loan subordination processes for a home equity line of credit.

I asked and suggested that we part ways and close the loan request and that my deposit of {$500.00} be refunded. Amerisave refused to refund the fee even though they had done very little work and had completely failed to perform their function as a mortgage company. My refinance should not have been complicated with a 35 % LTV ratio and 2 straight forward subordinations, of which I offered to close a HELOC with {$0.00} balance to eliminate 1 subordination to speed the process. 

4 months, 3 credit checks, 4 paystubs, and a host of other recurring requests for updated information from me later, and still no loan. A title company just reached out this week to ask about information to assist them on this refinance with a subordination, this is more than 5 months into the process! 

I am requesting my {$500.00} deposit back and to walk away from this company which has clearly not performed.
Consumer complaint received 2022-04-30
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. (AL)

My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( s ). 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IN)

Synchrony Bank/JcPenny # XXXX ( PARTIAL ACCT NUMBER PER DOCUMENTATION ) Account was sold to attorneys at law XXXX XXXX XXXX, PA, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. XXXX. I was never notified this account was sold to this lawyers office. XXXX threatened to sue, with filings in place with small claims court in XXXX, In. There was {$350.00} paid to this attorneys office for this account. I never intended a refusal to pay, however, this account was removed from my credit when sold and placed back on my credit once XXXX stopped trying to collect. i stated to representative at attorney office this account was never signed nor acknowledged going to their office. The {$350.00} was paid directly to the lawyer office per money orders. I was told the acount would be removed, however, its back on my credit and released back to original creditor, Synchrony bank c/o JcPenney Card Svcs.

I have reaced out to JCPenney and the original documentation could not be found.
Consumer complaint received 2022-01-12
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: Experian Information Solutions Inc. (WV)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit fil