davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Work at a dealership in XXXX XXXX, Ny, was living in XXXX at a time and moved to XXXX, Ny. Due to covid-19, XX/XX/2020, all my checks for the peroid was sent to my old address by mistake by the office and was deposit by unknown person from the old address. It's been months and i have not heard anything from anyone.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Contacted a representative of XXXX XXXX and informed him that I was trying to purchase a home. He ask me about any changes and told me he would be able to assist me in purchasing a home. Two weeks later I was informed he wouldn't be able to assist me even though we had spoken about my situation several times.
Consumer complaint received 2020-11-02
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. (FL)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1989 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}
Consumer complaint received 2020-11-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (IL)

The debt has been sold to National Credit Adjusters. When I called to clear up the matter, they stated that the debt has been outsourced to another company. They gave me the number to call that other company. When I called there was no identifying information to let me know who this company was or that it was even a company. I hung up. I did not feel safe or secure giving my banking information to an unidentifiable company. I called National Credit Adjusters back. I wanted clarity on this matter. The lady that answered the phone did not ask me for identifiable information, however she gave me my information. Thank God it was me calling or someone else would have some of my personal information that should be protected.
Consumer complaint received 2020-06-23
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. (OH)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I opened a checking account with the intentions of receiving a promotional {$400.00} bonus. I did everything correctly and opened the account according to all the requirements. However, they never paid me the promotion. I called them and opened a inquiry. They wrote back to me stating I didn't meet the requirement, " Having no other promotional bonus applied to your account within a 12-month period. '' This is simply not true though. My records state I received a promotion from them in XX/XX/XXXX. By the time I met the {$4000.00} direct deposit requirement it would have been XX/XX/XXXX. This is more than 12 months. No where in their terms does it state that the customer cant have a bonus in 12 months at the time of opening the account. Once again, because after I met all the requirements it had been more than 12 months. The terms state " Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. '' Again, I signed up for the account on XX/XX/XXXX and the qualification period, 90 days, would have been XX/XX/XXXX. This is well beyond the 12 month mark set back in XX/XX/XXXX. If Wells tries to say it has to be 12 months from account opening, I would like to see how this is derived from their ambiguous terms.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLIED MORTGAGE GROUP (MD)

I am in market shopping to Re-finance my mortgage. I spoke to a lender- Allied Mortgage Group ( https : //www.alliedmg.com ) on XX/XX/2020 exploring details on what offers do they have available. The representative took some details regarding my Annual compensation, current mortgage details and property location. We NEVER spoke about running credit check. 

On XX/XX/2020, I get a notification through a credit monitoring app that a credit inquiry was made on me by Allied Mortgage Group. I never authorized the company to make any inquiry on my credit, and they ran an unauthorized check. When I reported the discrepancy to the representative, he used profanity and abused me on phone and text message.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (FL)

XX/XX/2020 Re : Money Network Dispute My money has been out there in outer space for almost 2 months with no resolution as of todays date, XX/XX/2020. However, on XX/XX/2020 when I checked, it at least was in a pending status. Because of the longevity of this hanging matter, Id like you to investigate and let me know how long is it going to be before my money is posted back to my account? {$600.00} is quite a bit of money to be floating around in air space. 
On XX/XX/2020 I transferred {$600.00} to a bank account from my Money Network account and it stated that the transfer would take from 3-4 business days to post to the account. On the 4th business day, XX/XX/2020, I checked the bank account and it had not posted. I called Money Network and was told that the 1st transfer could take from 9-10 business days but thereafter, all bank transfers would be 3-4 business days. 
When the 10 business days had passed, I checked the bank account again and the funds were not there nor was it posted to my Money Network account. So, I called Customer Service and the Rep apologized for the delay and told me that it would be another 9-10 business days, which I didnt understand but I accepted it. Also, I was told that I would be given a {$100.00} credit for the inconvenience bringing my total to {$700.00}. 
After that 9-10 business days had passed with still no money, I called and asked to speak to a Higher-Up so I was connected to the General Manager. After bringing him up to date about the issue, he told me that he couldnt guarantee me the additional {$100.00} but he assured me that my money would be posted to my Money Network account on XX/XX/2020. 
As you can see, as of today, XX/XX/2020, the issue is still not resolved. 
Monday, XX/XX/2020 the account is not in pending status nor has the money been posted to my account. 

Thank You, XXXX 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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX XXXX report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I have received several calls and letters from Credit Bureau Systems ( CBS ) stating that I owe {$440.00} for unpaid debts to XXXX XXXX XXXX. The debts are from XXXX. I have contacted XXXX XXXX XXXX and verified all of the debts were paid in XXXX. I have called CBS numerous times stating they were paid and they continue to call and send letters. The last letter was sent to my employer on XX/XX/XXXX. The last call to my cell phone was on XX/XX/XXXX. They have also called on numerous other occassions.
Consumer complaint received 2024-11-20
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
( XXXX XXXX XXXX COLLECTION ACCOUNT # XXXX DATE OPEN XXXX, XXXX AMOUNT {$1400.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$1000.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX, XXXX, XXXX AMOUNT {$2500.00} ), ( XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$530.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$1000.00} ).
Consumer complaint received 2024-08-24
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. (CA)

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 XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX # XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 112022XXX has violated my rights.

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. 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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX XXXX  report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

They have this account charged off - they show it in collection and there is no collection as they can not collect on this debt. It is from a criminal matter and sent them the District Attorney letter and the restitution order - which is useless as the criminal is XXXX and won't be able to satisfy the restitution to me and other victims. The problem is two fold ... they need to update the status so that the balance is not picked up as current which has been the case with other creditors, and they refuse to send me a 1099-C so the balance can be brought to XXXX which is of course, as you know is my legal right. They need to show it closed they need to send me a 1099-C so that I can rent an apartment. There are XXXX in charge off 's and most of the creditors even if they don't really want to will have to send me a 1099-C and bring the balance down to XXXX which will help me not end up homeless. They are doing this for spite.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASSURANCE FINANCIAL GROUP, LLC (TX)

We started with Assurance Mortgage for our Mortgage Refinance on XX/XX/2020 with XXXX XXXX XXXX, and was locked in for 45 days. 45 days pass and nothing is getting done due to COVID. XXXX goes to another department without letting us know, so they give us XXXX XXXX on or about XX/XX/2020. He tells us we will have to pay {$7000.00} for a rate lock extension or wait another month to rate lock., and he was unsure why XXXX gave us a 45 day rate lock instead of a 60 day. This is NOT our fault, as it is the company 's fault for taking so long. Due to the horrible communication with us during the process, we decided to go with another mortgage lender. We canceled our loan on XX/XX/2020. We did not feel comfortable with assurance handling the next 15 years of our life ( or until they sale it to someone else. ) We needed a transfer of appraisal and Assurance sent THE WRONG address and information to the new mortgage company. This has to have been a Violation of personal information, and negligence for them sending the wrong information. NOW we still are fighting with them through the process. Still dealing with the appraisal transfer, now their compliance department will not allow it. WE PAID FOR IT. They are holding our appraisal hostage. This is against the law.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX Based on my review of my credit file, I have observed that Navy Federal has placed a collection on my account. I request that this file be promptly removed from my credit record. 
















XX/XX/XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX 0 % {$1000.00}
Consumer complaint received 2023-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I recently pulled a copy of my consumer report and noticed that there was an account with LVNV. I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.
Consumer complaint received 2020-11-03
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. (NJ)

I attempted to temporarily lift my credit freeze with Experian today. 

I attempted without my PIN first and it denied me. I attempted with a PIN they denied me again. 

I have a timely need by a rental agency to guarantee my daughter off-campus college housing. They only use Experian. If it is not done in the next day or so, she loses the housing. 

I tried calling Experian to unlock it. I went through the IVR, re-entered my PIN. The system denied me again and told me I have to mail in documents which will take several days to do. 

I have a timely need by a rental agency to guarantee my daughter off-campus college housing. They only use Experian. If it is not done in the next day or so, she loses the housing. 

They have no option to speak with a human being. 

These companies have too much power and are totally unaccountable for the damages they do.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My student loans are reporting incorrectly on XXXX  and on experian credit reports. I have disputed many times for them to delete this account off my credit report due to inaccurate information. They refuse to delete the account. According to the fcra incorrect information on a credit report should be removed.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Hello, and I hope all is well. XXXX  XXXX XXXX continues to furnish repeatedly with the same account number XXXX with multiple late-payments. The company is no longer a service provider for the Department of Education ; Using the E-oscar system, Credit Reporting Agencies continue to furnish data incorrectly according to FCRA Guide-lines. Due to the abundance of identical accounts, the CRA electronic actions caused a major decline in credit and creditworthiness. Requesting one account with the overall amount owed.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NJ)

Sallie Mae made an agreement through their legal representation to discharge a loan in XX/XX/2018. It was filed in a court of law. Since then, the report on my credit has been reported as a delinquent charge off which I have attempted to dispute and correct with Sallie Mae and the credit reporting agencies. It was previously updated correctly and recently began reporting again as a Chargeoff that is derogatory. This is unacceptable.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.