davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

About 2 months ago, I tried to link an external account to my Ally account but got an " unexplained error. '' I am not unable to link any new external account from within my Ally account. Over the past XXXX  months, I have chatted and called in 10+ times, always waiting on hold for XXXX minutes. When I speak to a rep, I am always told the case ( case ID XXXX ) has been " escalated '' and I will receive a call back in 1-2 days once the issue is resolved. 

I was eventually told that while Ally 's external account limit is XXXX, and I have about half that, because I have previously had XXXX ( over my history with Ally ), the system has a flaw where it's still thinking I've hit the max number of external accounts. Ally 's solution is to raise my external account limit. 

Every time I call, I am asked to retell my story from the beginning. A few days ago, I finally learned that while the case had been " escalated, '' it was labeled " low priority, '' even though every prior rep had specified it was labeled " high priority. '' Additionally, whoever initially created the case filed it with Ally 's " Loss Prevention '' department. I spoke to a rep in that department who apologized it had been incorrectly filed to them but that he had no way of changing how it was filed. He suggested I call Ally 's " ACH Ops '' department, but when I call back the next day, the rep wasn't able to locate any department by that name/type. 

This is an incredibly easy fix : either raise my external account limit or fix why the system is seeing previously-deleted accounts as still present. Ally is my and my wife 's primary bank, and we regularly keep around $ XXXX present, but we will be unable to continue using it is this issue isn't fixed.
Consumer complaint received 2022-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc. (MI)

On XX/XX/XXXX and XXXX, 2021 I received a {$50.00} advance from Brigit / Bridge IT , Inc. ( www.hellobrigit.com ), an app I found on the XXXX XXXX  store for XXXX. I paid the first advance back, but lost my job subsequent to the second one. I informed the company via email, their only provided method of contacting them, that I lost my job and was revoking my consent to debit my bank account via any means, pursuant to the US federal Electronic Funds Transfer Act. I didn't receive any response, and despite my message, the company relentlessly tried to debit my XXXX XXXX account, causing me numerous returned/denied transaction fees. 

Now, for the past 6-8 months, the company has been sending me email messages every XXXX days, non stop, from various fake employees of theirs, asking me to repay the advance. I have sent numerous emails to them telling them to stop harassing me, and I receive no response whatsoever and the emails continue being sent to me. 

The company has no phone number, and no contact information at all other than an email address that they apparently do not monitor ( XXXX ). 

I consider the {$50.00} advance paid in full based on the bank fees and harassment that this company has caused me. 

Here is the company 's information : Bridge IT , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I schedule a phone appointment to occur on XX/XX/XXXX at XXXX PT via the U.S. Bank XXXX on XXXX the message for the purpose for the appointment, I stated I had incurred overdraft fees and am struggling financially and the amount of fees that have been incurred has created a spiral effect and I was requested approximately half of the fees back. 

On XX/XX/XXXX I did not receive a call from anyone at U.S. Bank. 

On XX/XX/XXXX I scheduled another phone appointment to occur on XX/XX/XXXX at XXXX XXXX  and stated the purpose again and also stated I did not receive a call on XX/XX/XXXX. 

On XX/XX/XXXX I did not receive a call from anyone at U.S. Bank. 

On XX/XX/XXXX I scheduled another phone appointment to occur on XX/XX/XXXX at XXXX PT. This request I did not state the reason for the appointment. I received an email from U.S. Bank on XX/XX/XXXX asking for some details pertaining to the appointment. I responded stating, " I want to have a conversation with the XXXX XXXX at this scheduled time pertaining a fee reversal. '' On XX/XX/XXXX, I did not have receive a call at the requested time. I had to call the branch at approximately XXXX XXXX. The XXXX answered the phone. I shared with him all of the attempts in obtaining an appointment pertaining to the fees and the avenues of speaking with him was not to my satisfaction. He acknowledged he was supposed to have called me but was with a customer at that time. He asked if he could call me back pertaining the matter, I agreed. 
He called back and had reviewed the account and he inquired what was going on, I shared what I am dealing with, going through a divorce all while being a single parent and now going their XXXX treatment. I could not afford the fees I have have incurred which has causes a revolving door. He reversed XXXX of the XXXX fees ( as of that date ) that were incurred and offered to reach out to his XXXX XXXX and XXXX person to fulfill on my request. He also said it was unlikely, and it would be approximately a week before hearing a response. I requested a response prior to a week. 
It is now 9 days following that conversation and I have not heard back. I have since incurred more and more fees. I CAN NOT AFFORD ALL OF THESE FEES. My new request to have XXXX of the fees to be reversed to my account.
Consumer complaint received 2022-06-25
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. (NY)

XXXX XXXX XXXX account XXXX Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. My payment history was 100 % and then was immediately charged off without any notice. On top of this, XXXX XXXX is reporting a charge off amount that was covered in my XXXX insurance. Third, XXXX XXXX has been reporting the account as past due after the charge off. 

I have asked the credit bureaus to do a proper investigation yet all the inaccuracies still appear on my credit report after they " investigated '' These are serious legal violations.
Consumer complaint received 2022-06-25
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. (NY)

XXXX XXXX XXXX account XXXX Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. My payment history was 100 % and then was immediately charged off without any notice. On top of this, XXXX XXXX is reporting a charge off amount that was covered in my XXXX insurance. Third, XXXX XXXX  has been reporting the account as past due after the charge off. 

I have asked the credit bureaus to do a proper investigation yet all the inaccuracies still appear on my credit report after they " investigated '' These are serious legal violations.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells fargo bank closed my checking account for no reason on the XXXX of XX/XX/2022. I have an available balance of over {$11000.00} that was left in the account. I was told a cashiers check of the balance will be mailed out to me upon closure. However the bank have turned around and kept my funds without Justification. This is illegal and and unjust and i want no further relationship with wells fargo .I simply want the balnce of my funds
Consumer complaint received 2022-06-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XXXXBalance Owed : {$730.00}
Consumer complaint received 2022-05-24
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM XXXX THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX  XXXX  HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$6800.00} XXXX XXXX  XXXX {$380.00} XXXX XXXXXXXX XXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$270.00}
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any inmation 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 2023-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 multiple transactions were made through the XXXX XXXX app to transfer money from my saved debit card information. My login for the western union app was hacked and while I contacted XXXX XXXX amidst the transactions and they were only able to stop one payment out of the 6. The transaction amounts were for XXXX, XXXX, XXXX, and XXXX. XXXX XXXX then proceeded to say they would file a complaint with their claims department and flag the transaction amount but could not help with anything else and I would need to contact my bank. Upon contacting CHASE bank, the situation was explained and a claim was started. Initially a refund was granted but a few weeks later we received a message stating the transactions were found to be true and authorized and the money was deducted from my checking account. Chase stated further documentation was needed from XXXX XXXX but XXXX XXXX refused to give me any information and wanted CHASE or the authorities to contact them directly in order to provide the documents. XXXX XXXX was contacted again on my behalf and I was informed to file a police complaint with my local police department. I was able to complete that request online and then proceeded to receive assistance from my local CHASE branch and the case was reopened. Again, both CHASE and XXXX XXXX failed to assist in retrieving the unauthorized money taken from my account.
Consumer complaint received 2022-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NY)

My closed XXXX XXXX credit card account was reported to XXXX as XXXX late. I made a payment to bring my account current before XXXX days in the amount of {$80.00} on XX/XX/2022. I tried logging into the Commenity website to verify this but it seems the account dashboard is down. It was taken out of my checking account though.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper Mortgage Loan During XXXX, due to loss of income we asked for Forberance. We never made a late payment. Forberance was approved and we stopped making out payments. We started making payments again in XX/XX/2021. We applied for a refinance with XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX months after foreberance ended is what we were told we needed to wait. When XXXX XXXX Approved us they submitted a mortgage verification to mr cooper. Mr Cooper submitted them with a verification stating that we had been late 3 times in the 30 day and 3 times in the 60 day. during our covid foreberance. XXXX XXXX declined to refinance us after receiving the verification, which I have a copy of. I have tried since XX/XX/XXXX to get Mr. Cooper to to correct the problem they have not. They keep asking for XXXXdays and then they do nothing. XXXX XXXX had locked in our mortgage rate and said they would resubmit if Mr. Cooper would Correct it. I also asked Mr. Cooper to refinance which they declined due to the late payments noted on the account.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

On XX/XX/22 I received a voicemail from someone named XXXX with a student support agency calling in regards to imperative student loan information that is needed for the per-qualification loan discharge and forgiveness program before the status expires. They presented themselves as a government agency and my loans are in the process of being transferred to EdFinanical so I thought this was legit, but it was not. When I called the number Jade gave me at XXXX I spoke to someone named XXXX who knew all of my FSA information, where I lived, how much I owed, and that Ed Financial was my soon to be new loan service company. He was even able to send me legit looking FSA codes for my account ( I did not use these codes to log in ) to my phone when they called had called from a different number so this made me feel that it was in fact legal and real. All of these things combine made me feel that it was real, legal, and legitimate. XXXX then stated that my previous college XXXX university has been getting shut down and that I am eligible for full forgiveness except for paying the interest rate which would be XXXX payments of {$190.00}. I gave him my credit card information for the first payment for XXXX, he emailed me paperwork to sign via XXXX and even gave me his direct number XXXX an FSA ID of XXXX. Once I received these emails of my signed documents I noticed things did not seem right. I want to note this is not a complaint about Ed Financial, but for a fraud company named XXXX XXXX XXXX with an email of XXXX, and website of XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-05-24
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. (AL)

I still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 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. I circled everything inaccurate with red INK!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX, and I am addressing this complaint personally, with no third parties involved. Ive attached letters that elaborate on the errors in my credit report. The reports from XXXX, Experian, and XXXX contain inaccurate and inconsistent information with incorrect dates.
Consumer complaint received 2022-05-24
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage XXXX.