davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to XXXX in XXXX of XXXX looking to buy a house. 
I ordered a Glassdoor for my bathroom on XX/XX/XXXX, the merchant " XXXX XXXX '' charged {$280.00} ( XXXX soles ) and agreed to have it installed by XX/XX/XXXX, Since I was using my credit card to make the payment I made the mistake of paying him in full. When the due date came the merchant never showed up. I called him many times but he never answered my calls. I needed to move into my new house by the end of XXXX so I ordered the door from a new merchant and placed a complaint with the bank. The bank gave me the credit for the full amount and I thought the deal was over. 
In XXXX I received a letter from the bank requesting me additional documents and the credit was reversed, by then I was already in my new house, and the Pandemia has forced the government to put us in quarantine. On XX/XX/XXXX I sent a letter to the bank letting them know that the merchant never finished his job. Finally, on the XXXX of XXXX, the merchandise answered me saying he will back in XXXX the following Tuesday to install the door. 
It was very difficult for me to communicate with the bank I couldn't get internet services for the new house before the lock-up I was just limited to my phone. 
When I got back home, I sent a letter to the bank with a full explanation of what had happened.
Consumer complaint received 2023-01-22
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. (TX)

I sent a letter out on XX/XX/XXXX to XXXX, TransUnion, and XXXX. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date Opened-XXXXXXXX XXXX XXXX Account type : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Date Opened-XXXX  XXXXXXXX XXXX  Account type-Collection
Consumer complaint received 2023-04-08
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. (NY)

In 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 15 U.S.C 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
Consumer complaint received 2023-04-04
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: Bull City Financial Solutions, Inc (IL)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account : BULL CITY FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$200.00}
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2022 and XX/XX/2022.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

From XXXX to XXXX, ongoing and repeated deluge of forms and letters from Select Portfolio Servicing Inc. that requested/repeated the same information. Replies sent as requested. Since, SPS has perpetuated errors regarding home appraisal, personal income, and residency/occupancy. 
- XX/XX/XXXX, my husband and homeowner died, house ownership transferred to me via WILL - XX/XX/XXXX, settled estate with lawyer - Fall XXXX, appraiser only visited part of house, leaving errors and omissions in report. Refused to correct ; errors continued by other appraisers - XX/XX/XXXX, Cares Act put moratorium on housing foreclosures- XX/XX/XXXX, SPS contacted XXXX XXXX XXXX, telling them that my house was being foreclosed. XXXX XXXX XXXX cancelled my insurance after that contact. 
- XX/XX/XXXX, new insurance obtained with California XXXX - XX/XX/XXXX, SPS notified XXXX XXXX that my house was being foreclosed and to cancel my insurance. XXXX XXXX responded to SPS that the insurance policy was with me ( the owner ) and not with SPS. 
- XX/XX/XXXX, started working with HUD Counselor, XXXX, XXXX XXXX - XXXX XXXX, SPS repeatedly reported my income as " {$0.00} '' which was and is not true. This error was reported to the HUD counselor, who first noted this error, and SPS. 
- SPS still did not correct this error, which has since been reported to " third parties '' - XX/XX/XXXX, my first mediation hearing in foreclosure prevention/home retention process - XX/XX/XXXX, XXXX XXXX XXXX XXXX phone message that SPS did not want my insurance policy renewed because " the house is unoccupied ''. This is absolutely untrue. 
- XX/XX/XXXX, talked with XXXX XXXX about the issue and confirmed that SPS had indeed falsely reported my house as unoccupied. 
- XX/XX/XXXX, my second mediation hearing for same ; Final Mediation Record obtained - XX/XX/XXXX, owner given 60 days to provide listing agreement, sales contract, before Default Judgement will be sought. Errors with personal income and home occupancy neither acknowledged nor resolved by SPS. SPS denied contacting XXXX XXXX, despite phone message from XXXX XXXX ( XX/XX/XXXX ) saying that SPS contacted them regarding non-renewal of insurance as house was " unoccupied. ''
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc. (TN)

I have been disputing this account as fraudulent for 3 years now. I have never done business or opened a MoneyLion Account nor authorized MoneyLion to access my personal information or report to credit bureaus on my behalf. 

This account is fraud and has not been accurately verified whatsoever. It is affecting my creditworthiness and ability to purchase a home. This is NOT my account and I have no knowledge of who opened this!
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I HAVE SEND IT PAPER WORK AFTER PAPER WORK AND THEY WONT REMOVE THESE ACCOUNTS OR INQUIRES OFF MY REPORT THESE ITEMS ARE NOT MINE I HAVE BEEN A VICTUM OF MAJOR ID THEFT ... PLEASE HELP ME GET THESE ITEMS OFF MY REPORT.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

At the beginning of XX/XX/2022, my Wells Fargo checking account was hacked and {$2300.00} was withdrawn by the hacker to purchase cryptocurrency in my XXXX account they then withdrew. I reported this to Wells Fargo right away and Wells Fargo notified me that they had deposited the amount back to my account. The hacker then attempted to debit {$1000.00} and {$5000.00} from my account which Wells Fargo stated they did not pay. 

However, I later discovered that Wells Fargo then reversed the {$2300.00}, {$1000.00} and {$5000.00} from my XXXX account unbeknownst to me plus another {$1300.00} and {$49.00} for accounts not mine. Wells Fargo will only state that they credited my account {$2300.00}, not that they then took {$9600.00} from XXXX which XXXX then charged to me. 

Despite repeated letters to Wells Fargo, they totally dismissed my question about these reversals and provided no answer. They told me to ask XXXX. XXXX told me to ask Wells Fargo. Wells Fargo stated that they didn't have the authority to address accounts with other institutions nor provide specifics to a " third party ''. It is my Wells Fargo account and I am not a third party to my Wells Fargo account. The Wells Fargo representative stated that it was " regrettable that you [ I ] may have authorized transactions that ultimately related to a fraud scheme ... '', without any explanation of what that meant. T-Mobile ported my phone number to the hacker 's phone without my knowledge. I DID NOT AUTHORIZE ANYONE TO STEAL MY PHONE NUMBER AND MY IDENTITY. Very poor and dismissive treatment by Wells Fargo for a customer who has been with them through all of their iterations for many decades. Or anyone!
Consumer complaint received 2020-09-22
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. (MA)

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors. 
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX   reportsXX/XX/XXXX, and Experian reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
Consumer complaint received 2020-12-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NC)

On XXXX XXXX I was given a pre-approved amount for {$110000.00} to purchase my first home from a mortgage company by the name of Cross-Country Mortgage. I was later told by XXXX XXXX that he could max the loan amount up to {$120000.00}, this information was given on XXXX XXXX. I found a home that the sellers came down on the price for me, had all inspections needed completed, and paid for my appraisal. In the end my closing date was pushed due to faulty paperwork, lack of communication and wrong numbers calculated on the company 's behalf that they didn't catch until a few days before my closing date of XX/XX/2020. My realtor at that time tried to save me money and the house by asking for an extension which placed me out of my due diligence period. In the end the lenders came back with a new pre-approval amount of {$60000.00} which was extremely lower than what other companies pre-approved me for in the past. Due to this horrible experience, I missed a week 's worth of work dealing with XXXX and lost {$1000.00} dollars that I could have used for my children 's XXXX. This process has left me, and my children devastated and unhappy as we were looking to spend our holidays in our new home.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

We signed up Bank of America credit card auto pay program over a year ago online. The web pages shows " Amount due '' and we did not do anything. It went well as our amount due was always paid automatically with a draw from our bank, XXXXXXXX XXXX, account ( see attachment BA 6.17 ). However, we were charged an interest of {$31.00} in the XXXX 2020 statement. We realized the issue and called Bank and was told that only minimum payment was paid. We complained that we did not change anything and why the system collected only minimum payment. The lady said she could not do anything. We called a second time and told them we would cancel the card if the problem was not resolved soon. The lady said she would file a complaint and reply us in a few days. We never got a reply. We were again charged interest the following month for {$17.00}. We called the bank again and this time a lady said she would cancel the {$17.00} interest but she could not do anything about the {$31.00} but she would file a complaint and we should hear back in three days. We never heard back. We complaint that it was the error in the bank 's system that caused the interest. We never select pay minimum payment. We did not even know that was an option until the bank told us. So we are not responsible for the interest {$31.00} occurred.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (AZ)

I disputed transactions with Ally. They failed to respond in a timely manner and then called me on the phone to dispute the very same transactions. Now, XXXX XXXX, I get several letters in the mail asking for the same information again. Better yet, they tell me that my disputes are not covered under the regulatory dispute process because I didn't attempt to contact the merchant. Even though I did, and I told them this on the letter and on the phone several times. They refuse to give me credit, and they won't investigate unless I send them their letters back signed saying that their findings are incorrect. They are incorrect, and I can't possibly get them back within 5 calendar days because I just got the letters two weeks later. It has now been a full month since my original dispute. I am attempting to resolve this by sending them the letters, but this happened before and nobody ever helped with my dispute. I do not believe that Ally is following Regulation E guidelines and need to keep this as a record in case they don't fairly handle my dispute.
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (FL)

There are multiple unauthorized uses of my credit report that I did not approve or make, I have no association with these accounts that were trying to be opened. 
XXXX XXXX XX/XX/2023 Experian XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : KOHLS/CAPONE XXXXXXXX XXXX : {$390.00}
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (CA)

Credit Karma has failed to inform me of why they suddenly and abruptly blocked access to my funds. It's been well over a month that I have tried resolving any issues but they have never given me a clear explanation as to why they are not letting me access my account. I receive my employment direct deposit to this account and have fallen behind on bills and rent due to them preventing me from withdrawing any money. I have been left on hold for hours then I am disconnected.i have a full time job that doesn't allow me to call credit karma all the time. Every day, for my lunch break I call them requesting my money and closure of the account they do not follow through with it. They have submitted about five inquiries to their " higher department '' who is supposed to contact me within 48 hours to resolve this, but they don't follow through as well. I'm frustrated and need help here.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

This company is violating the Fair Credit Reporting Act, specifically, 15 USC 1681s-2 ( a ) ( 5 ) ( A ). As they are failing to report the alleged date of alleged first delinquency. 

A violation of the FCRA is a per-se violation of the FDCPA and a violation of the FCRA and the FDCPA is a per-se violation of the AFDCPA ( Arkansas Fair Debt Collection Practices Act ).
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

Hello, my name is XXXX XXXX. I currently have a balance open in collections due to a medical bill that should have been covered by my insurance in 2017 of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX. The last reported creditor is Phoenix Financial Servic. I have not once received a letter stating that I could dispute this open balance. The total open balance is {$1300.00}. 

I currently am unable to provide payment and this has made a detrimental impact on my credit score. Being XXXX XXXX XXXX, this debt in collections is making it extremely hard to continue building my credit. 

I request the current open balance in collections from Phoenix Financial Servic to be disputed and removed from my credit history. 

Thank you for your time. 

Best, XXXX XXXX
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Reporting Act XXXX  XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 602 A section 2 : it also stated that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-08
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. (PA)

I sent a letter to Experian on XX/XX/2020, about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting different names in my credit report. My name is XXXX XXXX XXXX not XXXX XXXX, XXXX, XXXX, XXXX XXXX etc. This company is also reporting an closed account that is hurting my credit and character. I've spent alot of time disputing this account from XXXX XXXX  and still haven't seen any changes.