davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

I had more than enough money in my Ally bank account, and I made a purchase for about {$4300.00}. I believe it was on XX/XX/XXXX, or possibly XXXX, but can't know for sure because I have been completely blocked from signing in and accessing my account. 

Then a day later, Ally bank told me that I overdrafted my account by {$4300.00}, which I don't even understand how is possible, because normally, if I try to make a purchase that large and don't have the money in my checking account, the purchase would be declined. I also have a screenshot of the available amount of money that was in my account when I made the purchase. 

Now the bank has locked both my checking and savings account indefinitely, will not give me access to any of my money, and will not give me a time frame as to when it will be resolved. They just keep sending me emails telling me that I overdrafted and that I owe them the money and that they will file a report with various credit bureaus if I don't pay. I called to ask them about this and they just said to ignore it, as it was an automated email. 

I told the bank that the vendor must have charged me twice, and that I'd like to dispute it, which they agreed to, but they still have my account locked. It's now been 3 days, and I have no acces to my new deposits or my funds that were already in my account. My credit card payments have already started to be rejected because they can not take money from my frozen Ally bank account. 

In the past, when I have disputed a transaction with different banks, the transaction is immediately reversed and I am credited with the amount while the investigation is conducted. 

But this time, Ally just locked me out of all of my accounts, and I have no access to my money while I am currently overseas.
Consumer complaint received 2019-09-12
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: EQUIFAX, INC. (GA)

Equifax Confirmation number XXXX states that Bankruptcy Case Number XXXX was deleted. This is dated on XX/XX/2019. I just spoke with an Equifax Rep that stated that it is still showing up on Equifax. My attorney has just mailed off a letter with the intent to sue. Equifax is reporting damaging information that states that it was already deleted and it hasn't been. Equifax has exactly 15 days and no longer to rectify this issue. I have already spoken to the Courthouse. They do not report information to the credit bureaus. They stated that a third party reports them. From what I understand, that is illegal because inaccurate information can be transcribed from the third party and has. I am not pleased. I spoke with 2 reps and a supposed supervisor. They were of no help.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEM DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I WAS IN FACT A VICTIM OF THIS DATA BREACH EQUIFAX HAS NOT DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (CA)

In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 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 any reason.
Consumer complaint received 2019-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IA)

My mortgage company claims I had 2 late payments made to them on different occasions. Payments were made on time and I can prove it. the First late payment they gave me was in XXXX of 2018 because they apparently do not accept partial payments. however, I made partial payments in XXXX which they accepted. I had paid {$300.00} on XXXX and {$560.00} on XXXX. That one seemed to be fine. Then I did partial payment of {$380.00} on XXXX and {$500.00} on XXXX. The payments in XXXX, cleared my bank, then Home Point Financial refunded the payments to me ( in 2 separate payments like i had to them, but by the time I got the refunded money, the mortgage payment was already marked as late. When I called the person explained to me when I did this in XXXX they accepted it and said a letter was sent out, but after looking further admitted that the letter was generated automatically, but was actually NOT sent out. So I had way of knowing this was not acceptable to make partial payments, which in my mind they had already accepted. 

The next late payment was in XXXX of 2018 as well. I made the payment on time, but noticed my credit score dropped because I was marked as late. I immediately called them, as they payments was set up through my bank, and had cleared. Come to find out, Home Point financial again admitted to failing to send me mail about them changing their name ( to the same name ) but different address. The person said they would fix my account, and they sent me a refund check for the amount they cash and I needed to resend it to the new address, but that because of the circumstance i wold not be marked late. i received the refund on XXXX, put it in my bank and set up the new payment for the earliest date possible and it went out on XXXX to the new company for {$880.00} Between these 2 occasions my credit score dropped over 100 points, and both times are because of Home Point Financial not sending me mail notifications, and admitted to it both times. I disputed through credit bureau but they did nothing, they did not investigate, they just saw that payments were late. I have improved my credit a lot over the last 3-4 years and this has destroyed it
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax is withholding my credit profile from lenders who are requesting my credit report. 

Ive called Equifax over 5 times to get this matter resolved and they would say that there arent any holds or freezes on my credit profile which is false. They are not doing their job and they are holding me up from obtaining credit from my CreditUnion. 

Ive submitted my ID to confirm my information and they still have not updated my file or releasing my info into creditors. 

I have a attached a screenshot of the application denials due to Equifax unwillingness to supply XXXX with my credit report.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

A scam website fraudulently took four different transactions of a total {$190.00} out of my chime account. I went through a dispute process with Chime three different times, and they denied my money back. They were very rude to me, and still did not send me legal documentation of why they denied my request for my money that was taken out of my account through Chime.

I did research and found out who took the money out of my account is a scam site I do not know how they got my personal information
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation (CA)

XXXX XXXX  started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after. 

I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist. 

Later on XX/XX/XXXX I received a letter threatening suit, from Patenaude & Felix, A.P.C. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me. 

Later on XX/XX/XXXX, they sent me a court summons.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TN)

I contacted you guys about a card that was lost. I sent in fax with the receipt and ID. They said they were not able to find this card and only the back office can. It's been 5+ days and the back office refuses to call back.

I called in and talked to a manager ( XXXX XXXX ) who was useless. She said just to wait 3-5 days. when I told her it has been 5 days she just acted like there was nothing she could do at this time. Followed up with why, not at this time? She said it was because the office was closed at XXXX XXXX eastern on a Thursday. So I asked if she could follow up on this for me she said she couldn't because of HIPAA. It's hard for me to use the phone due to a medical condition so I asked for reasonable accommodation of having her check on it for me when the back office is open. 
She refuses to be of any help It's bad when your company refuses to help me with a card. let alone refuses to do a reasonable accommodation for a medical condition so I can get access to a card
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (NJ)

JPMCB card - XXXX XXXX doesnt states because I saw it on my hard inquiry. 
XXXX XXXX XXXX - {$180.00} XXXX XXXX When I checked my credit, there was a different social that did not belong to me.

I also called the bank to JPMCB to notify them my experience and when they went to look for my information it was not on file, they suggested that I called the bereau. When I called them, they helped me out and fix the situation and will take 2-3 days to take the collection off my hard inquiry. As for the other company, they also helped me and disputed it.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (OH)

Ive been trying to contact this company regarding a debt and can not talk to anyone regarding this account I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2020-04-27
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2020-10-25
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: EQUIFAX, INC. (FL)

DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I'm filling this complaint against one of the worst banks in the USA Wells Fargo for poor service, fraudulent, bad faith, and unfair cause to close my checking account this info for previous complaint filled with CFPB and Wells Fargo Wells Fargo case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Wells Fargo admitted their fault attached are copies of letters received Our records confirm a XXXX advance for {$8000.00} posted to your credit card on XX/XX/. A payment was made to the account for {$7200.00} on XX/XX/XXXX XXXX 
XXXX cleared and the wells fargo teller successfully withdrew from the account went back to branch after a week to see where is issue, customer service told me we they will take care of it nothing you can at the moment week later wells fargo closed my credit card and didn't issue my reward balance before they closed my account
Consumer complaint received 2023-12-01
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: EQUIFAX, INC. (TX)

there are 2hard inquiries on my account from XXXX XXXX XXXX on XX/XX/ and XX/XX/ institution info XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX delaware XXXX ( XXXX ) XXXX ive never been to delaware or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. 
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life 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 I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.