davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (OK)

I have been trying to contact someone competent to speak to about this account since XX/XX/XXXX. I was transferred 6 times from Customer Service to XXXX XXXX which neither department would not and could not help me. 

As of today, XX/XX/XXXX, I got bounced around 4 times to finally speak to the correct person. The final person I did speak to, XXXX XXXX, was extremely rude and would not let me get my point across, very very unprofessional. I had asked to speak to a supervisor in which the supervisor was " not available ''. I am trying to get them to settle this account and or removed from my credit, and according to my credit report, this account has been written off as a bad debt. I need this account to go away since they did take the tax write off and never sent me a XXXX. They said they will not even do a pay to delete even if I were to payoff the amount they proposed to settle with.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, I received a phone call from a Wells Fargo phone number. Gentleman by the name of XXXX XXXX said he was tracking strange activity on my account, called out several transactions that were not mine and then several that were mine. He told me it looked like someone was trying to wire front funds from my account and I said do not let that happen and we hung up a few minutes after I checked my bank account and all my funds in addition to ones I had jointly with my husband, were all gone we immediately went to the bank and tried to report everything that had happened. I spent probably 30 minutes or more on the phone with the fraud department before they ever tried to stop the money from going out or recalling the money. And now we are a week and a half later and theyre denying my claim that this was a fraudulent transaction. We have lost {$24000.00}. Also, on the XXXX I called Wells Fargo fraud department again and told them that {$3900.00} was pending on a cash transfer on my card and to stop that. They did not and the {$3900.00} cash advance went through and is now charged to me along with {$190.00} transaction fee. They are denying that claim as well. I am XXXX XXXX XXXX and expect Wells Fargo to refund my money since none of this money wired out transferred out or otherwise was authorized by me. I have filed a police report and filed with the federal trade commission. I have followed through on my end for everything to prove to Wells Fargo that I am not the one at fault. I am happy to furnish any information that you may need my claim number with Wells Fargo Police report number and so on.
Consumer complaint received 2024-10-22
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: ALLY FINANCIAL INC. (FL)

XXXX. On XX/XX/year>, I made an arrangement with Ally Bank that I would make ( 3 ) consecutive monthly payments, my account would be closed and my interest would be reduced to 6 %. I made my payment on time, provided post dated checks and received a letter from Allly Bank confirming our arrangement. 
2. I noticed that Ally Bank in XX/XX/year>, failed to apply my post dated check. I called Ally Bank multiple times and was advised that my account was sold to XXXX and Ally refused my payments and failed to deposit my post dated check. 

This caused me to not be able to honor my arrangement, incur additional interest and my credit score significantly dropped which caused damage to me. This happened for 4 months Now I called Ally Bank today was advised by XXXX, that my account was sold to XXXX and I requested to speak to a Supervisor. XXXX came on the line and said XXXX made an error telling me my account was sold. XXXX also stated that Allys notes indicate they will not be sending me a manual lettter confirming our arrangement of {$100.00} for ( XXXX ) months and my account would be reported current. I want this letter!!! 

My account should not be reporting past due XXXX, XXXX, XXXX and XXXX due to Ally making a coding error and my account should never should have been sold. Also, I should not be charged any interest at any rate due to Allys multiple errors.

I want the CFPB to review Allys answers, review all the call recordings incoming and outgoing to XXXX for all the errors made and fine Ally Bank.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

An unauthorized amount of money was charged on my debit card on XX/XX/year>. I ordered from an XXXX ad claiming to be the company XXXX. When I received the order confirmation, it was from XXXX, not XXXX, and I proceeded to have conversations with their customer service. They ensured me the package was on the way.I got a text message that XXXX was attempting to redeliver a package and I needed to enter my card information for a XXXX cent charge. I entered the card information and was prompted to click " retry '' several times. I clicked retry 3 times. With those 4 clicks, I was charged {$100.00} each time for a total of {$430.00}. I never got the clothing items I ordered. I reported this immediately to Wells Fargo, and they have denied the claim saying they do not protect against scams, only fraud. I feel this is fraud as I was charged the wrong amount that I had authorized.
Consumer complaint received 2024-10-03
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I'm now requesting you investiage and provide verifiable proof with records showing that I had late payments. If this information can't be verified I demand that the payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked numerous times that my personal information be updated and it still has not been corrected in XXXX yrs. I will include my paycheck stub which has my legal name and my address. I would like all incorrect names, addresses and employers removed from my credit profile. I have been a victim of identity theft and all of the credit bureaus were notified of this.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (UT)

I paid off the car loan on XX/XX/2024. I called Santander customer service on XX/XX/2024. I was told that the tile was sent to a dealership ( did not provide me contact number ) located in State of XXXX I asked why it was not sent to me directly to my address. The customer service told me that sometimes people pay the dealership, then the dealership sent the money to the bank. This makes no sense as I made all the payments from my XXXX XXXX  account ( see image ). The car is XXXX XXXX, there are no dealerships. In addition, the bank does not have a copy of my XX/XX/2024 statement showing that month 's transactions. The did not send me any paperwork or notice of loan being paid.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING XXXX  4 DAYS, INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
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. (NJ)

I am writing to formally request the immediate removal of XXXX XXXX and XXXX XXXX accounts that are inaccurately reported on my Experian credit file. Despite multiple disputes directly filed with Experian, these fraudulent accounts remain on my report, negatively affecting my credit standing. I am a victim of identity theft, as confirmed by the Identity Theft Police Report I filed on XX/XX/year>. These accounts were opened without my consent and do not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate credit reporting and to dispute any information I believe is incorrect or fraudulent. The continued presence of these accounts on my Experian report constitutes a violation of my rights under the following FCRA provisions : 15 U.S.C. 1681c-2 : Experian is required to block information resulting from identity theft from appearing on a consumer 's report upon receiving a valid identity theft report. Despite my submission of such documentation, the fraudulent accounts have not been removed.

15 U.S.C. 1681i : Experian has an obligation to conduct a reasonable investigation into disputed information. My repeated disputes and the police report have not prompted any corrective action, indicating a failure to comply with this requirement. 

15 U.S.C. 1681s-2 : Creditors, including XXXX XXXX  and XXXX XXXX XXXX must report accurate information. Their continued reporting of these fraudulent accounts, even after being notified of the identity theft, violates this duty. 
I am requesting that the CFPB take immediate action to ensure that Experian removes these fraudulent accounts from my credit report. This ongoing inaccuracy is causing me undue harm and stress, and I am entitled to a resolution that upholds my rights under the FCRA.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-23
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. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

THE CREDITOR IS REPORTING 2 OF THE SAME ACCOUNTS. WITH 2 DIFFERENT BALANCES. AND HAS ASKED THEM TO REMOVE 1 ACCOUNT OFF MY CREDIT REPORT BECAUSE ITS INACCURATE!!
Consumer complaint received 2024-09-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

I was moving out of my apartment in XXXX of 2022, and I was not going to continue using XXXX XXXX XXXX services, including XXXX which they bill separately. So, XXXX XXXX XXXX told me the amount that I owe and they took it out of my account since I have autopay. I even took the equipment back and they still charged me {$160.00} on my account. They charged me in XXXX of 2022. Several months later they sent a bill stating that I owe them, but they already took it out of my account. A year later I get a statement from the collection agency for {$160.00} and I tried to tell them that I already paid XXXX XXXX XXXX. Now this charge that I already paid is showing on my credit report. Credence Resource Management , LLC is the debt collection agency. XXXX is their phone number.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been making my payments each month including XXXX XXXX 
I later got an alert that a late payment was made on my XXXX account. 
My payment is not late. 

I am attaching a copy of my cancelled check for XXXX and my quick collect from XXXX for XXXXXXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

According to 15 U.S. Code 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. The following accounts violate 15 U.S. Code 1666b, are inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-23
Product: Credit reporting 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. (MS)

I SENT XXXX, XXXX, AND EXPERIAN LETTERS CONCERNING THE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT ON XXXX AND THEY HAVE DONE NOTHING AND I HAVE ATTACHMENT DOWN BELOW. 

SEE ATTACHMENT AND PLEASE DELETE
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$460.00} XX/XX/XXXXXXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$130.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (FL)

I'm following up on our recent communication about unauthorized accounts on my consumer report linked to identity theft. These were added without my written authorization or wet signature. I'm formally requesting you immediately block and remove these fraudulent entries from my report. 

These inaccurate accounts have caused me significant distress and financial hardship, misrepresenting my credit history and obligations. They've impeded important financial goals like buying a home and supporting my family.
Consumer complaint received 2024-09-04
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-23
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)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TN)

My credit score has been affected and constantly penalized by a false delinquent account that doesn't belong to me. It has been constantly reposted every 3 months since XXXX  it has been the only unfixable item affecting my credit score. I have tried to contact the company multiple times, but the only number I have never worked. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) XXXXXXXX XXXX XXXX XXXX XXXX  NC XXXXXXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-23
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.