davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has opened 3 accounts under my name since February. I know its them because they use my existing email and theres no activity on the account when I call in. When I call in to report it, the fraud department closes it and does no further investigation. I know this is their employees opening false accounts to reach sales goals. This is another scheme like XXXX XXXX. This is illegal and something needs to be done!
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
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. (TX)

I have had issues with XXXX, Experian, and XXXX about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience to this matter.
Consumer complaint received 2024-03-27
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. (MA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 


XXXX XXXXXXXX # 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
Consumer complaint received 2023-07-15
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. (TX)

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.

The letters are stated with items and issues.

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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is my follow-up to my previous complaint on this platform dated XXXX  to ensure that the following items are deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2024-03-27
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. (VA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sequium Asset Solutions, LLC (PA)

After receiving an email alert from XXXX notifying me of a credit rating decrease, I logged onto my XXXX account and checked my credit report. To my surprise, my credit rating dropped a whopping XXXX points, from XXXX to XXXX. 

The reason for this was due to a collection agency named Sequium Asset Solutions whose listed address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia, XXXX, with a listed number of XXXX. Apparently, Sequium is a debt collection service who posted an XXXX XXXX XXXX XXXX debt to my credit report in the amount of {$1400.00}. The date of the debt is listed as XXXX, 2023. 

To be clear, I've never had, nor do I currently have, a mobility account with XXXX XXXX XXXX. 

After disputing the debt 's authenticity with XXXX I contacted Sequium Asset Solutions and spoke to a XXXX XXXX. He asked if I'd been alerted by email or regular mail regarding any outstanding debt and I told him no. XXXX XXXX then asked for my social security number, which I declined to give, offering instead the account number of the debt ( XXXX ) the company listed on my credit report so he could access the information. He then informed me he couldn't access the information by that number and again asked for my social security number, which I again declined, and after a few more minutes of dialogue it was obvious I wasn't going to get the matter resolved without providing my SSN, so I hung up. 

An online search of Sequium Asset Solutions revealed they're a debt collection service dealing primarily with telecommunication debts and have had several complaints, due, in large part, to inaccurate or unsubstantiated claims of indebtedness. Interestingly, the site I referenced lays claim to Sequium 's legitimacy even though many who've dealt with the company ( including myself ) believe them illegitimate. As I spoke with the gentleman over the phone, I could hear in the background several people talking simultaneously. 

Under no circumstances would I give a company I'm unfamiliar with or haven't done business with my Social Security number over the telephone. In my belief, any account information regarding a debt could - and should- have been accessed by Sequium 's own assigned account number. 

A XXXX point drop in my credit rating has the potential to damage my financial future, so I need to have the issue resolved immediately. Please investigate this matter with all expediency and diligence that I may again enjoy above average credit and have the debt removed immediately from my credit rating. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-27
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. (NY)

Equifax Credit Bureau customer service fraud department Falsely taking calls for disputes have the consumer believe that Equifax is submitting proper information and they not submitting the dispute over the phone given complaint number like they submitted dispute and when you go online to check the complaint is not valid when I go online to review the status of my dispute the complaint is not pulling up
Consumer complaint received 2024-03-27
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$12000.00} INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/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 Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-01-02
Product: Credit 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: WELLS FARGO & COMPANY (NY)

Hi, I filed a dispute with wells fargo ( claim number XXXX ) and as strange as it sounds - wells fargo refused to actually process and investigate the claims. I first noticed that there has not been a provisional credit issued- so I called. and I was told the claims department would selectively process claim ( strange ), and because it is a higher amount, they might choose to delay it. 

My claim has been stuck for the past 3 weeks with no updates- when I called to ask, no information is given either. 

I am filing a complaint so that my claim can be properly investigated and taken care of. I am uploading additional information for the claim here as well.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a letter this month from Transunion Consumer Reporting Agency regarding a dispute I made for inaccurate accounts and some accounts that weren't mine. The letter Transunion sent me stated " We recently received your request that included your information, but it didn't APPEAR that you or a properly authorized third party sent it to us '' I find this response unacceptable and deemed willful noncompliance. How would Transunion union 100 % accurately confirm someone besides myself sent my disputes without even attempting to make any type of verification with me before sending me this letter. I happen to be very knowledgeable and familiar with FCRA. 
In addition, the accounts I disputed were all inaccurate or contained incomplete information which is a FCRA violation. Account XXXX XXXX XXXX XXXX XXXX XXXX has no payment history attached but yet shows a balance which is incomplete information. Account XXXXXXXX XXXX  XXXX states a last payment made in XXXX but yet shows a payment checked for XXXX. Also, this account has no payment history reported from XXXX to present but yet shows a balance of {$250.00}
Consumer complaint received 2024-03-27
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. (VA)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (PA)

Someonemade a purchase on my account without my consent i had also created a police report for this incident chargeback XXXX date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$2200.00}. I have a police report I attempted to submit it last time and then was told that there was no additional evidence provided so I would like to have a follow up call and get a personal email that I can personally send the email to and they can personally verify that they have received the evidence while on the phone with me and resolve this issue. I have filed a police report as well on this matter
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-07-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am applying for a home equity loan and received the drive by appraisal today. The appraised value was low ( approximately $ 100K lower ). Upon review of the appraisal, I identified multiple inaccuracies in which I immediately identified ; such as taxes, not a SFR but actually a PUD with a HOA payment, incorrect tax amount, incorrect Gross Living Area, incorrect Room count, etc. The appraiser did not even attempt to validate my information against county records, XXXX or even a XXXX XXXX. 

My tax assessment value this year was {$500000.00}, my primary lender has an XXXX of $ XXXX and XXXX alone has a value of {$490000.00} as of today ; however the XXXX has submitted to the lender a value of $ XXXX. Attached you will find my tax assessment, XXXX and a full appraisal completed in XXXX. I also have the original from XXXX if needed which aligns to the XXXX. 

Of course, my lender is submitting for a full appraisal to get my value ; however, this is now a {$600.00} cost for me and the appraisal is in no way supported with all of the inaccuracies.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (MO)

I initiated a transfer of {$10000.00} through XXXX XXXX to pull the funds from my Ally Bank savings account and deposit them in my XXXX XXXX account. This was executed on XX/XX/23 and I can see the funds were withdrawn from my Ally account. XXXX XXXX rejected these funds ( after speaking with their customer service it was suspected fraud which is why they rejected it I am being told ) on XX/XX/23 which I received an email for. I was informed through that email these funds should settle back with Ally Bank in 3-5 business days. 

It has now been 23 days since the initial transfer and the funds are at neither bank and thus have effectively disappeared. I spoke to both banks several times and multiple times they both told me they could not help and that it was the responsibility of the other bank. After numerous attempts, Ally agreed to open a " dispute '' which they said would be handled in 10 days. I still have {$10000.00} that is unaccounted for and not moved back to the Ally bank account. I am very concerned about this as Ally has not inspired confidence in returning my funds and this is a significant amount of money for me. I have greater concerns that a transfer between banks, which should be a common financial transaction, could go missing like this without the bank being able to quickly resolve through automated processes.
Consumer complaint received 2023-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster " upgraded '' their computer system after merger. In reality, implemented a brand new system. None of the information from the previous system was transferred. I had the account # and routing # for a checking account that was not moved over. Likewise, I had a recurring automatic payment from that checking account set up. It was not moved over to the new system. 
When the payment wasn't automatically processed, the bank had the audacity to call and leave a voicemail message on our phone from the collections department with all the standard verbal threats. 
Adding insult to injury, they applied a late charge on the payment. 
I have called three times, talked to over 15 staff members, and been promised a call back by a customer service supervisor three times. I have yet to receive a single return call.

This was one of the worst IT implementations I have ever seen.
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (FL)

On XX/XX/2023 I received in the mail a letter from Capital Management Services , LP ( I will refer to them as CMS from here on ) stating that I owed {$11000.00} to them. Their mailer states that " If you write to us by XX/XX/2023, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX '' Following the directions on CMS ' website, I sent an email to XXXX on XX/XX/2023 at inquiring about why they think I owed the debt. I requested CMS provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor and details about CMS ' authority to collect the debt on behalf of said creditor. 

Per CMS ' letter, they should have stopped collection on the debt until verifying the debt. They have not. They continue to call and leave voice messages. Furthermore, on XX/XX/2023 I received another letter from CMS via mail regarding their willingness to accept less than the balance in full or to arrange a payment plan. However the letter did not provide any additional information regarding the verification of the debt nor CMS ' authority to collect the debt.