davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I tried to make a purchase at XXXX. It was declined because my card was frozen. I immediately called the bank and checked on online banking. I noticed 4 charges to a XXXX XXXX accompanied by international transaction fees. The transactions were as follows {$35.00} with a international transaction fee {$1.00}, {$34.00} with a international transaction fee of {$1.00}, {$35.00} with a international transaction fee $ {$1.00}, and {$34.00} with a international transaction fee of {$1.00}. Well Fargo immediately canceled my card and I filed a claim with them. On XX/XX/XXXX all the international transaction fees were reimbursed to my account. I was notified by email that claim investigation was finished. I did not see that the funds had been replaced in my account. I called well Fargo claims department and they informed me that my claim was denied. They said I could not appeal or fight it. They said they denied the claim because my chip was tapped ( something that I didnt even know how to do until days after the claim was filed ) in the purchase and they have no information that chips can be duplicated. No one contacted me to ask any questions. I informed them that I googled chip duplication and it can be done. They said that because XXXX tells them its not possible they had to deny my claim. I asked if my money was safe. They would not answer that question. I asked if this has happened to other people because I didnt make this purchase and I cant be the first. He said they get 50 similar complaints a day and they are denied.
Consumer complaint received 2022-09-20
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-07
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2023-04-20
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. (CA)

In XX/XX/XXXX, I received a response from XXXX XXXX XXXX XXXX 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late. 

This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), XXXX XXXX XXXX XXXX ( XXXX ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to XXXX via wire transfer from our bank directly to the HELOC account. Post acquisition, a change in process occurred whereby XXXX would accept payment ONLY by a direct debit ( by XXXX ) from the checking account which was required by BOTW to have in order to have obtained the HELOC. 

At issue is that this direct debit from XXXX occurs at midnight on the XXXX of the month and only on XXXX of the month at midnight. It does not appear that XXXX verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus. 

Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the XXXX checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure XXXX pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus. 

I provided to XXXX credit dispute department confirmation that the wire was sent and received by XXXX within the first five business days of the due month.

I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. XXXX 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus. 

The XXXX actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score. 

I am requesting that XXXX correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by XXXX. 

Thank you.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$24000.00} ; XXXX XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XXXXXX/XX/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 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 XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian provides no way to remove a security freeze. 

My account has a freeze that is preventing me from getting any credit issued to me. The direct contact information disconnects you, and the automatic one only allows you to place freezes. 

When calling the XXXX XXXX XXXX you will be asked by a woman " where to direct your call '' then she will transfer you to a deadline or disconnect you. 

They provide no email support for this issue, and due to the software use and automation, you can effectively not reach them for anything regarding this issue.
Consumer complaint received 2023-08-21
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: U.S. BANCORP (CT)

XXXX does not have my credit history. Three years ago when I first started getting ready to look into mortgages, the underwriter told me there was no score being reported by XXXX. After trying multiple numbers to reach a human to speak to, I was told to fax them proof of identity. I sent them my drivers license and pay stub with SSN as advised. After doing so, I eventually received the attached letter ( XX/XX/XXXX ). Not only did they continue to insist I do not have a credit history, as well as ask me to send the same documents I already sent them, but also stated my previous request was enclosed and needed to be sent back to them. Nothing was enclosed with this letter. 

I am now having the same problem currently trying to get my credit report from XXXX. Upon calling them this time XXXX XXXX ), I was told they still have no record of me and to contact my lenders. At this point, I only have two active accounts for credit cards ; XXXX and Elan Financial. After reaching out to XXXX, I was met with an employee who simply copied and pasted his script to me and did not interpret or explain my options or why I would pick one over the other. I did end up sending a dispute to this company, with a notice that it could take a month for a resolution, which is quite awhile when trying to buy a house in this market. I then reached out to Elan Financial card member services ( XX/XX/XXXXXXXX  ), and was told to call XXXX because it's a problem on their end. After I told the representative that I had already done so, she checked to make sure there were no errors in my account info, which there weren't. She said I could fax or mail in a dispute and gave me the address, but I currently have no means of faxing anything. I was unsure of the address I wrote down being accurate, so I searched online to verify, and nothing comes up. I can not find any online presence for disputing with card member services, and messaging them through my account has yet to result in any communication.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has been reporting negative information on my credit report for the past couple of years. This account has been closed on my account for years without any verification of the debt being owed. As well as it being on my account for the staute of limitations that an an account can be in an credit report in XXXX XXXX.I have a pulled credit report from XXXX showing that the current dates on my XXXX credit report are totally different.
Consumer complaint received 2021-03-14
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. (NY)

I sent a five disputes to the following credit companies. Experian, XXXX and XXXX, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.
Consumer complaint received 2021-05-04
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. (GA)

I have two accounts that are incorrectly reporting on my Experian credit file. I have disputed them with Experian and they remain : XXXX XXXX ( XXXX ) This debt was cancelled by XXXX XXXX. I have attached a copy of the 1099 showing " Cancellation of Debt ''. I can not pay on this debt. It must be removed from my credit file. I have disputed it with Experian and they did not remove it. 

XXXX XXXX ( XXXX ). This account was settled in full on XX/XX/XXXX according to the attached settlement options. I have disputed this with Experian and they have not removed the balance. The item stopped reporting on my file in 2020 ... so the balance at XXXX is already XXXX. Experian is just failing to update to this XXXX  balance.
Consumer complaint received 2021-06-14
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. (NY)

On XX/XX/2021 XXXX and XXXX XXXX  service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with equifax and they havent verified from the companies that i authorized them to get a copy of my credit report i sent equifax a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too
Consumer complaint received 2022-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

On Sunday XX/XX/XXXX at XXXX I received an email notification that the phone number on my account had been changed. I did not initiate this, nor do I know the number. I was on the subway when I got the notification and I got off at the next stop ( less than 5 minutes to call Chime member services. I called at XXXX and was on the phone for 20 minutes before I was able to speak to a human. In that time the person who took over my account sent {$5000.00} to themselves. after explaining what happened to the first rep, I was placed on hold for another 10-15 minutes to be sent to the claim investigation department. I gave my information to a rep. Stating that no one had access to my account or the password and that I was currently holding my debit card. She ( I think her name was XXXX or XXXX ) told me that an investigation was opened and could take up to 45 days to complete. After that, I transferred all of my money out of the chime account and into my other bank account. l also changed my phone number back. 

Today I got an email from Chime stating that they " determined no error had occurred. Therefore no funds would be credited to my account and this claim was closed. This is beyond disgusting that money that I worked hard for was able to so easily be taken and the bank I kept it in to refuse to do anything about it. I have requested the documentation that they used to come to this decision.
Consumer complaint received 2021-06-14
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. (MS)

XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to XXXX Equifax and XXXX this alleged debt has been verified. How did they verify the debt if the company has provided that information.
Consumer complaint received 2021-05-04
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. (NC)

I have received a copy of my credit report and it shows company XXXX  XXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

My account was cleared out by fraud and Key bank have not returned my money after 2 weeks. I am not responsible for this fraud yet they have charged me {$15.00} to replace my card. 
this is the second time in 2 months this has happened and I have been charged {$15.00} each time. The money from the first fraud was returned within 2 weeks.
Consumer complaint received 2020-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I believe the company LoanMe is out of compliance with AB-539, the Fair Access to Credit Act. The interest rate I am being charged is 135 %, far above the state cap of 35 %. I have sent an inquiry to LoanMe, but they have not answered me.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK (AR)

E*Trade Bank does not record deposits of Federal Pension checks in a timely fashion as required by Federal Law. This happened today XXXX and now 3 electronic payments have failed due to insufficient funds along with the draft for my life insurance. The amount of the deposit which is {$5000.00} may show up later today and may not -- law requires them to post deposit no later than XXXX am the first work day of the month. This is not the first time this has happened and they do not care as they are a subsidiary of XXXX the most penalized bank in the history of the world. Please require them to post Federal retirees checks in a timely fashion
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (IN)

I applied for a PPP Loan through XXXX on XX/XX/XXXX. On XX/XX/XXXX I received the paperwork to sign for the loan. On XX/XX/XXXX Benworth said they officially funded the loan and sent the funds to my bank account. According to the info I can find, I should have received it by now if they already sent it. The issue is that I haven't, and Benworth has NO way of contacting them. I've tried to contact them over the course of the last 8 days with questions in regards to the process, and they say they'll respond within 2 business days however, I haven't received a response not once. 

Their phone numbers all say the line is busy and you can't get through. I got a phone number and an email from the XXXX themselves and no response. They already have my information, the XXXX says they already dispersed the loan to Benworth which makes me officially on the hook for it, but Benworth has not sent it and, again, I have no way of contacting them. Which means that if I can't contact them, ppl who have mortgage loans/etc can't contact them either which creates a HUGE problem. Any assistance would be appreciated.
Consumer complaint received 2021-05-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

On XX/XX/2019 of collection reported on my account/collection letter sent to me, AD Astra add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

Just a few weeks ago, after I pulled my credit report from XXXX and review it, I found out multiple collection accounts that were not mine, also multiple false addresses on my credit report. Several years ago, I lost my personal documents, that could be one of the reasons of why those unknown accounts were on my credit report. After reviewing my credit report, I have no other reason but to believe that I am a victim of Identity Theft issue. The following collection accounts do not belong to me. Two alleged medical collection accounts with CREDIT COLLECTION SVCS partial account # : XXXX and XXXX. I am attaching a partial credit report and NJ Certified Debtor Search certifying that there is not any debt on my behind. I definitely do not recognize these accounts.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted all the Credit Bureaus/Agencies XXXX XXXX TransUnion XXXX and the creditor  XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.