davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AE)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (LA)

You don't have a category for the mortgage company Fifth Third Bank failing to pay me. I received a check from my insurance company for hurricane repairs that I sent by overnight at a cost of approx {$30.00} to the company to coendorse. No check was returned to me. Per a Fifth Third Loss Draft Supervisor 's instructions I had the insurance company cancel the check and resend. He refused to refund me the expediting fee I paid. He told me I should have it cancelled and get a new one then sent me, and if I wanted I could include a prepaid overnight envelope. I did all of that, which means paying another approximately {$60.00} in expediting fees. I overnighted the second check XX/XX/XXXX and included an envelope to overnight the coendorsed check back to me. As of XX/XX/XXXX mail delivery the company has not overnighted the coendorsed check back to me. XXXX confirmed that they received it on XX/XX/XXXX. I have already paid the XXXX to start the work, which commenced XXXX. They work is done today and the XXXX needs to be paid. I opened a complaint with Fifth Third and they put the complaint on check one which was not the one I put the complaint on. The person they put on the investigation is on vacation until XX/XX/XXXX. On XX/XX/XXXX I called the number to talk to someone in her absence at the office of the president. That person, XXXX, was unhelpful and didn't seem to even be listening to the details. She transferred me to the loss draft department and didn't even stay on the phone to learn what they had to say about the check, indicating that she is not actually investigating this. XXXX at the Loss Draft Department could not tell me when the check was mailed exactly or when it will be received. She did say that they used my postage. ( Note check # XXXX has never been received anywhere and all I have to go on that they mailed it is their word, which seems unreliable. I suspect that they never even mailed that first check at all. It didn't show up late. It has showed up never. )
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

I disputed a charge on my debit card that occurred in XXXX, XXXX on XX/XX/22. I began my dispute process on XX/XX/22. The only way I could send my supporting documents to them was by fax. I faxed them my supporting documents and they said they never got them. They closed my dispute without reviewing any of my supporting documents. Then I went to my personal banker and asked her to help me so I had a witness to the documents that were being sent in. And again Wells Fargo Card Claim department said they didn't receive the fax. They closed the case and took the money out of my account again while I was out of State and they left me stranded with no money and without receipt of notification that they again closed the case without reviewing any of my supporting documents. I then started a 3rd case and this time I could email the supporting documents, which I did immediately. I just received notification that " too much time has passed '' and they won't reconsider my dispute, and I will have to contact the merchant directly. The merchant in this case is XXXX XXXX and they are connected to a cartel in XXXX and Wells Fargo is telling me that I need to contact them myself to get the matter resolved. This is dangerous!!! I was not provided ANY opportunity to have my supporting documents reviewed by Wells Fargo! It is wrong that they promise fraud protection when they don't review the documentation from the customer they promise to protect. They are supposed to protect the customer, not the fraudulent merchant! Customers of Wells Fargo Visa Debit Cards should know that Wells Fargo has poor dispute resolution practices. They will not review your documents and they will ask you to reach out to the merchant yourself, no matter how dangerous that is. This is wrong!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

In XX/XX/XXXX on Experian XXXX shows as 30 days past due and on XXXX as 60 days past due. In XX/XX/XXXX, Experian shows as 60 days past due and on XXXX it shows as 90 days past due. In XXXX of XXXX Experian is reporting me as 90 days past due and In XXXX of XXXX XXXXXXXX XXXX is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On XXXX in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (VT)

I disputed a charge incurred last XXXX when I attempted to purchase some sneakers from what turned out to be a fraudulent vendor. The {$130.00} purchase was made on my Apple Card through XXXX and the bank is Goldman Sachs. I have tried several times to resolve this dispute by presenting relevant documents, and by numerous phone calls. 
The vendor eventually supplied their own damning evidence by providing a delivery notice. 
The notice was attached to a '' proof of delivery '' which clearly demonstrated that there was no delivery -- no address and a phony name was inserted where my name should have been. Despite this Goldman Sachs can not resolve this matter. I have lost faith in their investigators. They continue to harass me and ask for more documents. I've told them to resolve this in my favor or I will cancel my account. You'd think they would realize that I would hardly go to this trouble if I was guilty of receiving the goods and lying about it. 
I ask that you tell them to read the docs and get their heads out of their rears! 
Thank you
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After reviewing my credit report, I noticed that Equifax is alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report such information. 15 USC 1692g, states that you must provide me with verification of an alleged debt to ensure that my rights have not been violated. Please remove all negative and adverse remarks on the accounts listed below. In addition, I am requesting a debt verification letter as well as the method in which you used to verify this debt before placing it on my account. 
XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX ACCT # XXXX As you know, it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said account. I am asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paperwork is produced, the account is unverifiable. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the account. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance, then you must remove the account from my credit report.
Consumer complaint received 2023-03-31
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. (MI)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my Federally protected consumer right to privacy and confidentiality under 15 U.B.C 1681. 

XXXX : # XXXX, Experian : # XXXX, has violated my rights. 

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

15 U.S.U 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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

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

Account Numbers : # XXXX XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. XXXXXXXX XXXX  XXXX # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
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)

After reviewing my credit report, I noticed Experian is alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report such information. 15 USC 1692g, states that you must provide me with verification of an alleged debt to ensure that my rights have not been violated. Please remove all negative and adverse remarks on the accounts listed below. In addition, I am requesting a debt verification letter as well as the method in which you used to verify this debt before placing it on my account. 

XXXX XXXX XXXX ACCT # XXXX As you know, it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said account. I am asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paperwork is produced, the account is unverifiable. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the account. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance, then you must remove the account from my credit report.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have a cash-back Costco-Citi credit card rewards certificate that was to be sent to me via XXXX transfer. I redeemed this on XX/XX/XXXX via the Citi App. However, it was not found in my checking account even after a week. 

Per call with Citi representative on XX/XX/XXXX, they reported a systemwide issue with XXXX and direct deposit accounts. They said they should send an email and letter with confirmation within a week, and that I should call back if not seen by then. 

No response was received, so I called on XX/XX/XXXX, and they had to set up a referral process to escalate the issue. The representative reported he has not seen anything like this before as these are usually " very straight forward '' - he said to check back by XX/XX/XXXX or XXXX, and that I should get an email by then. 

No response was received, so I called again on XX/XX/XXXX ; the representative reported that the referral was closed on XX/XX/XXXX and said it can take 1-2 days, but up to a week, for it to show up in my account. I asked if that meant that the deposit to my account had been approved, and he could not answer. He reported that he messaged the person who made the referral. He provided an update that the referral being closed doesn't indicate anything is finalized ; just that it is " still being worked on. '' I asked for a supervisor. 

XXXX, the supervisor, shared that I was misinformed, and that it takes 30 days to go through with the referral process. She let me know that she would personally call me on XX/XX/XXXX to give me an update. She referenced that " this is a brand new program and not everyone is educated on it, so we have been having some trouble. '' When asked if the money can be sent to me another way, she said no, because " it has already been sent '' After I did not receive a call from Citi by XX/XX/XXXX from a supervisor as they promised, I called again on XX/XX/XXXX and spoke with supervisor XXXX. She said that XXXX is out of office, but he sent her a message. He said he was unsure why she said she would call me when they are not allowed to make calls from their desks. I asked to file a formal complaint about this issue, as all correspondence has been initiated by me, with no follow up calls from the company. He asked that I wait a few more days to hear back from their team. I asked that I receive some sort of written correspondence regarding the contents of my complaint, or receipt of the complaint, or anything in writing that acknowledged the issue that was being dealt with on my account. They let me know that they could not do send me any acknowledgement of any aspect of my issue in writing. 

As of XX/XX/XXXX, I have not heard from Citi.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX 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.
Consumer complaint received 2023-07-24
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. (NJ)

Experian is reporting incorrect information for multiple accounts. I have a car loan from XXXX XXXX XXXX XXXX  reflecting XXXX XXXX XXXXXXXX days late which is a violation. In addition to that the address connected to this account does not belong to me and lastly the ssn attached is incorrect. This account should be deleted from my credit report immediately.
Consumer complaint received 2023-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (PA)

I received a letter today ( XX/XX/XXXX ) about a reimbursement due to a consent order the Consumer Financial Protection Bureau issued in XXXX against Discover Bank. 

I contacted Discover Student Loans to get clarification about what the issue was and get some specifics about why the amount reimbursed was that amount. I spoke to several customer service people about the letter, but they would not offer me any additional information after an hour on the phone with them. 

I merely wanted the information about why I was reimbursed, and I could not get that.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXXXXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank continued to charge XXXX XXXX  monthly fee since XX/XX/XXXX to my checking account, until the balance went to XXXX, then they started to charge overdraft fee, and finally they started to collect the money total at {$79.00}. I was not aware this until I received their collection letter because my account was initially opened with XXXX XXXX, then XXXX XXXX  sold it to XXXX XXXX XXXX XXXX, then sold to Truist Bank. 

I called the Truist Bank and they offered a settlement of this debt. In their letter dated on XX/XX/XXXX, they state " Truist Bank, formally known as Branch Banking and Trust Company is willing to accept a settlement of {$59.00} ''. On XX/XX/XXXX, I sent a check of {$59.00} to Truist Recovery Department listed on their Settlement Letter. 

However, on XX/XX/XXXX, Truist Bank Default Recovery Department sent me a letter asking to pay again the Balance {$79.00}.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CA)

I have attempted to do a lease buyout of my vehicle through a dealership. After getting the payoff and submitting those checks I come to find out there was a shortage so per Ally 's request i sent in that shortage. All this started late XX/XX/XXXX early XX/XX/XXXX. Come several months later now XX/XX/XXXX I call to find out what the delay is as the dealership that made the pay off check has not received title yet, Ally tells me they can not accept the check?! this is after 3 months they decide to tell me this! And only found out because i called they did not reach out. It has been WEEKS now and anytime i call in to get this resolved i am forwarded and forwarded to a different department. Nobody seems to be able to help out or know how to deal with matter. now XX/XX/XXXX it seems it has been assigned to a gentleman named XXXX XXXX or XXXX in the lease buyout department which can be reached at XXXX option XXXX whenever i call Ally tells me i can not speak directly to the person in charge of my case and i have to wait for a callback... it has been months and during this entire process i have never once received a call back i always have to call them and ask for an update which they can never give me. Also when i call the supervisor always seems to be on break and when i wait for the break to be over they are gone for the day. For example i called yesterday XX/XX/XXXX and XXXX was on break for 15 minutes from what i was told i waited those minutes and called back only to find out he left for the day... why wasnt that communicated with me when i was on the phone with the agent. Today i call and ask for a manager or supervisor and i have been told they dont work today... again why wasnt i told that yesterday when i told Ally i would be calling back today. All i get is the run around and they never fulfill with their promises of calling back and at this point it has been 3 months and ( 1 ) there is a check lost for {$45000.00} which they claim they sent to a chase bank but when i visited said bank, the bank said they never received it. ( 2 ) there is an outstanding balance on this vehicle that should have been paid off by now and title released. After all these months of battling they are letting me know that a possible resolution would be to start over and submit new payoffs BUT AT A NEW QUOTED PRICE THAT WILL INCLUDE FEES, INTEREST AND A LARGER PAYOFF ALL BECAUSE ALLY BANK FAILED TO HAVE ANY COMMUNICATION, PROCESS A PAYOFF CHECK FROM A DEALERSHIP AND NOW LOST A SUPPOSEDLY REFUNDED CHECK.