davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

i sent letters out to the three bureaus regarding inaccurate information and they have failed to respond. asset care failed to provide a dispute notice after 30 days and their a balance of XXXX, i do not have a contract with XXXX XXXX. there is also three other medical collections that are reporting and i disputed these accounts in this amounts. they do not even have the furnisher information or who reporting this. this is not my medical collections, i asked them to verify 90 days ago and asked them to delete. i have not got anything in the mail regarding my disputes and the bureaus failed to enter my dispute notices. please the accounts in the amounts of : XXXX XXXX XXXX please delete
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
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. (AR)

Equifax is reporting fraudulent and incorrect credit card balances on my credit report. I had a block placed due to fraud and incorrect balances with several creditors. XXXX XXXX is a fraudulent account on all three bureaus collecting for XXXX they sent me a letter of fraud. I was XXXX at the time of that account. XXXX XXXX is reporting a incorrect balance and have not responded to my request to correct or remove after receiving a check from the GAP INSURANCE the balance is {$1500.00} more than the true balance, its been over 45 days no response from XXXX XXXX or Equifax. Equifax is reporting 3 fraudulent US Department of Education accounts and refuse to respond or remove these accounts. An unauthorized BLOCK HAS BEEN PLACED ON MY ACCOUNT.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (TN)

Source Receivables MNG is reporting inaccurately on my credit report. the open date is listed as XXXX/XXXX/XXXX. The original date was actually in XXXX. This debt has been re aged and according to FCRA Section 623 ( 5 ) ( A ) re-aging is an illegal act. The company can not provide any record of this debt on the date listed and i am requesting that it be removed from all of my reports for inaccurate and possibly fraudulent activity.
Consumer complaint received 2023-01-20
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. (VA)

I have a XXXX sister and every so often, her accounts are added to my credit report. Currently, Transunion is the only crediting agency that has placed most if not all my sister 's accounts. They've even placed her name as the primary name on my credit report and my name as an alias. My sister and I have both tried to get this issue resolved, yet we're in a new calendar year and the issue is still there. This is very frustrating and concerning to me as I am in the process of trying to purchase a new car and those items are still on my credit report. There has to be a better process for resolving these issues that don't place me in a position of possible identify theft because they're asking us to again mail a copy of our driver 's license and social security card through the mail as well as only resolving 1 error at a time, which is taking them a very long time to resolve. Transunion is the only crediting agency that has placed all my sister 's debts on my credit. I was able to contact XXXX over the phone to for them to resolve issues such as addresses, phone numbers and SSNs not belonging to me. Not sure why Transunion makes everything so difficult and they're the credit report most places are using - this is difference of mid to low XXXX credit score to being in the XXXX as I have with XXXX and XXXX, who have it right.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CT)

I had a XXXX XXXX of XXXX with Wells Fargo. The Wells Fargo finance advisor told us that the Equity Line of Credit will not cost us anything unless we use it, however, Wells Fargo charged us {$500.00} to close the account. 

We needed to close our XXXX XXXX of XXXX account when we switched to another house insurance company in XXXX, XXXX. The new insurance company considered our XXXX XXXX XXXX XXXX offered by Wells Fargo as a XXXX against our house. Wells Fargo charged XXXX {$500.00} to close the account. 

We complained to a Wells Fargo finance advisor ( the Wells Fargo finance advisor who convinced us to establish an Equity Line of Credit with Wells Fargo left Wells Fargo ), and she told us that is the company rule to charge {$500.00} to close an Equity Line of Credit account ( which was never explained to us when we established the account. 

We ended up paying {$500.00} to close our Equity Line of Credit account with Wells Fargo in XXXX, XXXX 

This type of charge should not happen as the finance advisor never explained the account closing charge to us when he convinced us to establish the XXXX XXXX of XXXX account. He told us there will be no charge unless we use the service, and everyone establishes an XXXX XXXX of XXXX for ease of mind.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have reported by mail and phone calls on many occasion 's that I only have XXXX name, and XXXX address I have sent them my XXXX drivers License and proof of address and still they do not remove the wrong Information. It is unlawful to report false Information.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have auto pay though my bank for my Capital One credit card payment to pay on the first of the month. The credit card company posts it every month after the due date almost two weeks after they received the payment and then charges me a late fee.my payment is due in the seventh today is the eleventh and still not posted. I will now get collection calls but they have the payment. I have tried to resolve either them they say its my bank, my bank says its them and I am the one stuck in the middle. 
Please advise Thank you.
Consumer complaint received 2023-01-20
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: 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of/items that do not belong to me or were opened without my permission. 

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 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 2023-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (PA)

I initiated a wire transfer for {$110000.00} from a savings account with XXXX by Goldman Sachs to credit my checking account at XXXX XXXX Bank. The request to initiate the wire was made at XXXX on XXXX XXXX. I called for a status update at XXXX and was told the wire was being processed. At XXXX pm the wire had not credited my checking account and when I called for a third status update I was informed the client support system was offline and my transaction could not be reviewed. At XXXX pm I called again and was told the wire was still being processed but no update could be provided. No answers outside of the wire is being processed have been provided and XXXX refuses to explain the delay. This is not a first time wire and multiple have been sent between these accounts, both in my name, in the past.
Consumer complaint received 2020-05-11
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: Waypoint Resource Group, LLC (TX)

I have reached out to this company many times to get this credit reporting corrected. I have noticed their is A company by the name of waypoint resource group reporting that I owe them A balance of XXXX on behalf of XXXX. I have never had XXXX service & I have never done any sort of business with way point resource group. I reached out to the company requested A copy of original contracts showing I entered an agreement with my signature. I have yet to recieve proof of owning this debt. Instead they have been reporting this misinformation for some time of my report. I've also tried reaching out to XXXX who information me because they sold the debt to this company they could not do anything about my concerns. I explained to them this was A fraud account and again I have never had XXXX nor have I entered a legal binding agreement with them nor way point resource group. Still they report this fraudulent account knowing it is misinformation.
Consumer complaint received 2023-01-21
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. (PA)

I suspect fraudulent inquiries on my credit report that I didn't authorize. 

XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MI)

I have an auto loan with Ally Financial! It is very unfortunate and terrible that this company is not supporting its customers during a pandemic. My child tested positive for XXXX and was on an unpaid leave from work to take care of him. This of course caused me to become delinquent on many of my bills. I reached out to Ally and explained my situation. I was provided NO solutions or assistance. I was denied a deferment and was told there were no options for payment arrangements. The representatives that I spoke to were not empathetic and offered no help! Also, they continue to harass me by calling multiple times a day.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

Somewhere in mid XXXX ( cant remember the specific date ) {$0.00} So I had couple items returned and got a refund back into Citibank credit card. 
At that time, I had other card as a primary use so often forgot to use the credit I had on Citibank card. 
Slowly but surely I used most of the refunded amount on credit card but had left {$0.00}. 
I was sure that I am going to use it because it was my money that I already paid off to Citibank. But when I checked after my long trip, the money was gone. The balance was XXXX. 
I called Citibank customer service and asked the representative to explain why it happened. She said that if I dont use refund in 3months without a claim, they remove the money from my account because of inactivity. But I was using my card ( definitely a sign of activity ) and I didnt see anywhere saying that making a claim was part of protecting my money from the bank. I kept asked her who keeps the money after they put it aside, she was a bit hesitant to admit that it goes to Citibanks account. But I was persistent to hear that from her and she finally admitted that Citibank keeps the money after few minutes of going back and forth. And she got tired of me asking same question ( for me to comprehend why and how it happened ), she said, with her agitated voice, if I want my {$0.00} back to my credit card. 

I think the principle here is wrong to take peoples money without any notification or our acknowledgment that the credit card company has a right to take the money away, simply because it was claimed before 3months. The amount I lost is insignificant so I didnt think it should be a big deal but think of elderly or younger people who arent experienced with credit cards. Some people might feel lost or used and dont know where to ask for help or how to get their money back. 
Let me know if theres any policy indicating about non-claim money or requirement to claim on refund before 3months from the day of refund. 

Any information would be greatly appreciated.
Consumer complaint received 2020-11-19
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: U.S. BANCORP (IL)

This account was fraudulently opened and maintained. I've contacted the company and communicated with them that it was fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (MD)

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 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 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 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened an account with Suntrust for 2 of my business. I went out of town and left the account information inside a car I rented. I reported it to the bank and they closed my account. As of date I have not received the funds that was used to open either of the accounts. I called and listed the branch only to get no where. Finally to make me go away they claimed the check were sent and cashed however they went to an address different than that of the debit card which makes no sense. When I asked for a copy if the voided check they put me in an infinity loop of no resolution.
Consumer complaint received 2020-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

It is my understanding that the federal government has set student loan interest rates to 0 % from XX/XX/XXXX to XX/XX/XXXX. 
I have contacted my student loan servicer to inquire on why they continue to charge me me interest on my federal student loans and I'm getting no where. 
In addition, I have previously sent them written instructions on my overpayments should be applied, but they keep applying them to future interest as opposed to to principle payments.
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The Veterans Administration determined my date of total disability as XX/XX/XXXX. Due to backlog, my VHA determination was not processed until XXXX. From XXXX to XXXX, I have REPEATEDLY disputed the information on my credit report with TransUnion. TransUnion has FAILED to properly investigate my dispute and this has resulted to adverse credit decisions for nearly half-of-a-decade. 

XXXX XXXX no longer has this loan and it was transferred to XXXX. According to XXXX, the debt was forgiven effective XX/XX/XXXX and the information in the TransUnion credit report is incorrect and should have never been reported. 

No one is accepting responsibility to for the incorrect adverse information, yet it is still on my credit report. Despite repeated disputes, TransUnion has failed in their due diligence to properly investigate and report my information.
Consumer complaint received 2020-05-10
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)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, Good day! 
I would like to request PayPal to restore my account from being permanently limited with the help in your good office. This is unacceptable that my account was permanently banned for the reason of gambling, and other fraudulent activities. I have already confirmed my identity and I already sent out all the proof that they need. I am a freelancer and rendering service electronically. I am looking for clients in a different platforms like XXXX XXXX XXXX XXXX. I do XXXX XXXX through XXXX and XXXX. I am also doing XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Rates are different, it depends on haggling with clients. Some are low bailers and some are giving good rates. Please help me restore my account back, this is the only way I received my money from my clients and I need this to pay my bills with the money hold in this account. 


Sincerely, XXXX XXXX XXXX XXXX Account Holder