davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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. (IL)

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Dept of Ed XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and eviction associated with XXXX A XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I have never lived at or been associated with this address. Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report.
Consumer complaint received 2024-07-04
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: TD BANK US HOLDING COMPANY (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I am writing to file a formal complaint against Wells Fargo Auto regarding continuous violations of my rights and the disregard of federal regulations.

Over the past year, I have made persistent attempts to opt-out of the reporting Wells Fargo Auto has been making to my consumer report, as per the guidelines outlined in 15 USC 1681b . Despite numerous attempts to rectify this situation and my explicit request to cease reporting, the company has persisted in reporting information without my written consent, which stands in direct violation of consumer protection laws.

Moreover, Wells Fargo Auto has failed to disclose my right to opt-out of reporting, which is a clear violation of 15 USC 6801 and 16 CFR 313.7. These regulations explicitly dictate that consumers possess the right to opt-out of certain disclosures and that companies are obligated to honor these requests, a responsibility Wells Fargo Auto has neglected.

I have sent formal notices explicitly exercising my right to opt-out, complying with the aforementioned regulations, yet Wells Fargo Auto has blatantly disregarded these notices and continued to report information without my consent.

Additionally, I sent a legal tender as settlement payment for the outstanding account, adhering to legal regulations and my duty to settle the account. However, despite this action, Wells Fargo Auto continues to request further payment, ignoring my attempt to settle the account in accordance with the law.

I am distressed by the continued disregard of my rights and the violation of multiple federal regulations by Wells Fargo Auto. These actions have caused significant distress and injury to my financial well-being and personal situation.

As per the aforementioned laws, I am seeking immediate rectification of the negative remarks on my account, adjustment of reporting to accurately reflect my payment history, and adherence to the opt-out request made multiple times. I request an investigation into Wells Fargo Auto 's conduct, compliance with federal regulations, and remedies to rectify the damage caused by these continuous violations.

I am looking forward to your prompt attention to this matter and a resolution that ensures compliance with federal regulations and the protection of consumer rights.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (LA)

A wire transfer was initiated by me via my secure online portal for transfer on XX/XX/XXXX to a title company to purchase a real estate property. There was a XX/XX/XXXX deadline at XXXX for receipt of funds. I intiated the wire transer on XX/XX/XXXX to allow Ally bank ample time to confirm the wire details. The amount was {$750000.00} requested from my savings account. 

Their policy and procedures state that they will call the customer to verify the wire. They did not do this. I called on XX/XX/XXXX. They stated this was under a " fraud alert '' becuase the amount was over {$500000.00}. They do not have any stated restrictions agains the transfer of this amount anywhere on their website. They informed me they were locking my accounts. They summarily locked all withdraws from my checking, savings, brokerage and Short term CD accounts. 

I called on XX/XX/XXXX and spent XXXX hours on the phone seeking a " fraud investigator ''. I was asked XXXX verifciation questions from the public records and correctly answered them. I requested a supervisor. One was not made available. I requested a " fraud investigator ''. One was made available who informed me she would get someone to work on it " next week ''. In the interim, my liquidity and home purchase hung in the balance. They did not send the XX/XX/XXXX wire, but instead kept these funds locked behind their " fraud investigatiion '' team that were not made available to discuss. 

No one from ALLY bank has called me back at any time. On XX/XX/XXXX at the end of business, I received an email that my account had been unlocked. In the interim, I had to borrow from relatives to cover the close. Meanwhile, my funds that I had saved to make this purchase for over 4 years were locked away by ALLY bank without any due process. Furthermore, Ally bank was unresponsive, unprofessional and certainly unable to correct this grevious injustice that was clearly without merit all along.
Consumer complaint received 2023-12-02
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. (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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
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. (NY)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

XXXX XXXX is trying to bill me for a service I no longer have. I had an auto insurance policy from XX/XX/XXXX to XXXX. When time of renewal occurred I did not pay for the new policy that was to cover XX/XX/XXXX to XX/XX/XXXX. I decided to go to a new insurance provider which is XXXX. Now XXXX has a collection notice for a bill of {$67.00} that they said I owed for a service I never used to requested for. There is no monetary exchange for a renewal of the policy so I shouldn't have coverage for the time they billed me for.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (OH)

At Laurel Road bank I opened up 1 checking and 2 savings accounts XX/XX/2023. On XX/XX/2023, I opened up my Laurel Road app to verify if 2 transfers ( First transfer amount : {$200.00}, and second transfer amount : {$1000.00} ) I made from XXXXXXXX XXXX either XX/XX/XXXX went through ; but noticed on XX/XX/2023 my Laurel Road accounts are restricted. The restriction states : " Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX for our hearing impaired members. '' I contacted Laurel Road the same day I realized the restriction, gave them all requested information ( assuming I'd gain access to my account afterwards ) ; but they couldn't tell me why my account is restricted and will have to investigate it which may take up to 30 days. I asked if they can escalate the process because I have bills to pay, but they mentioned they can't guarantee I'll gain access to my restricted account before the 30 day investigation. 

After talking with a supervisor at Laurel Road, I was told XXXXXXXX XXXX  put a stop on the transfer which may be the reason why my Laurel Road bank accounts are now restricted. She told me to contact XXXX XXXX to see why they stopped the 2 transfers I submitted. XXXXXXXX XXXX  told me the transfers were stopped because they couldn't verify the bank. I contacted Laurel Road bank again to relate the information received by XXXXXXXX XXXX but they said it's nothing they can do and my account will still be under investigation for up to 30 days. 

I expressed my dissatisfaction with how things were handle : 1. I gave all the information Laurel Road bank needed to verify my identity and gain access which did not help, 2. there was no email/text message sent to me by Laurel Road before restricting my account, and 3. I have bills coming out of the account that won't get paid this week or for 30 days because of the restriction. I've been on the phone with both Laurel Road and XXXX XXXX  for over 2 hours and I really need this to be resolved very soon so I'm not behind on my bills.
Consumer complaint received 2024-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (GA)

In XX/XX/2023, I was 4 months behind, and I applied for loan assistance/Forbearance. My reason for this was a temporary decrease in income. The application asked for documentation of that change in income. I already had the loan, so I had no idea it would be trated as a new loan application. I was called 2 months later and told the the application was closed because I didn't provide proof of income. I had provided my tax returns and proof of lower income, but they wanted proof of income for current repayment. I understood the request but no one had told be that. I resubmitted the application with proof of income, and in XXXX I was declined because I was over 90 days past due. So I waited 5 months to be told that if I caught the loan up to within 60 days I could have qualified, but no one told me that. I also was under the impression that the loan would be on hold while under review, so now I'm in a posiiton that requires me to get out from being 8 months behind to qualify for re-submission. I offered to pay a double payment then triple payments to get under 90 days but I was told that might not be enough to stop foreclosure. So what they are telling me is that if I had been told in XXXX when I first applied that I should make a payment to get under 90 days past due, I would have qualified but now I may get foreclosed on because I can't recover 8 months that quickly.
Consumer complaint received 2023-10-03
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. (NY)

XXXX There were inquiries that I didnt authorize on my credit report all inquiries thats on XXXX equifax XXXX there are unauthorized use some XXXX have been using my information I have not applied to any of these companys
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MA)

On XX/XX/year>, Google made an XXXX debit in the amount of XXXX USD from my bank account ending in XXXX. This may have occurred as part of linking the account to Google Pay. The corresponding deposits were never credited to the bank account ending in XXXX and a refund of the debited funds was never reversed to the account ending in XXXX or credited to my Google Pay balance. According to the bank that holds the account ending in XXXX, Google transferred the balance to an account ending in XXXX.
Consumer complaint received 2024-02-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Student Loan Solutions, LLC (GA)

The private student loan that I am being garnished for belonged to my brother. My brother filed XXXX  XXXX bankruptcy which included this debt. It was discharged in XX/XX/2013. Although Student Loan Solutions was notified of this, they began to garnish my wages at a rate of 25 % when they were unable to collect from my brother. Because I am an educator and single parent who also takes care of our elderly mother and can not afford to lose that much income, my brother attempted to resolve this matter with Student Loan Solution who purchased this old discharged debt. They were able to collect several thousand dollars from my brother and when he no longer had the funds they came back to garnish me again. Student Loan Solutions refuses to stop debt collection and it seems as if the courts are allowing them to continue without just cause. Bankruptcy paperwork was filed with the court but this company is relentless in collecting debt that does not belong to them as they " purchased '' it long after the bankruptcy discharge.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CA)

XX/XX/XXXX : requested balance transfer of {$3000.00} from Discover to XXXX XXXX. 

To this day, the balance has been on my Discover card has not been removed despite the balance transferring to XXXX XXXX. XXXX XXXX has confirmed multiple times that the money was sent to discover to the correct card number. Discover still has no record of the balance transfer. I have opened multiple cases with XXXX XXXX but now I believe it is Discover that is at fault. Discover cant locate the money sent to them and Im paying interest on BOTH credit cards. 

Email from XXXX XXXX XX/XX/XXXX : Our research was able to confirm the information provided to you was correct and the balance transfer was completed on XX/XX/XXXX, for {$3000.00} with the trace number XXXX, confirmation number XXXX. This Balance Transfer was completed by us, we are unable to act for the receiving financial institution. Please contact Discover if you have any additional questions or concerns with the receipt of the Balance Transfer and any interest assessed to your Discover account. 


XX/XX/XXXX : I spoke with a representative from XXXX XXXX today. They confirmed yet again that the money was wire transferred to Discover on XX/XX/XXXX, processed on XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2024-07-03
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. (TX)

My consumer report lists accounts linked to identity theft, which I never authorized in writing or with a signature. Following my recent communication, I formally demand the immediate blocking and removal of these accounts. Their presence has caused significant distress and misrepresents my credit history. If not properly addressed, I will take legal action to protect my rights and seek resolution. These fraudulent entries have prevented me from achieving key financial goals, including home ownership and meeting family needs.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-21
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 (CA)

My PayPal account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for 180 days. 

I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. Just tell you whether it is a risk account or it can not be lifted, so it is a big disaster for our normal sellers. I have been using this account for some time and always work in good faith and comply with all policies and user agreements stated and in my Agree when registering an account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 

PayPal merchant number XXXX Reference number : XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I sent in financial history from XXXX XXXX that proves they are not reporting accurate payment history, late payments, and balance. Credit reporting agencies are not considering documents submitted by me or conducting an independent investigation for XXXX XXXX XXXX XXXX that is as required.