davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (PA)

I am hoping you may be able to assist me with filing a formal complaint against Ally Bank on their unfair and bad faith processing in the closing my CD account. 

On XX/XX/XXXX I made a request for an early withdraw on a XXXX, $ XXXX CD ( knowing there would be a penalty ), as I was using the funds to close on a new home. I was told that it would take 3-5 business days. Over the course of the next 9 business days, I made numerous calls to supervisors and spoke with associates via their online chat. Ally Bank continued to provide inconsistent, inaccurate, and false information regarding the status of my account. As a result, we were not able to close on our house. ( Please note that I closed a CD with XXXXXXXX XXXX for the same amount on XX/XX/XXXX, and XXXX delivered the funds within 3 business days. ) My money was released on XX/XX/XXXX after numerous conversations and being transparent with Ally that we were filing formal complaints against them for the unnecessary delays. 

On XX/XX/XXXX, I received an email from Ally regarding the complaint I escalated to their management. They responded that my original request took longer because they had to process a fraud prevention review. This was NEVER explained or communicated to us during any of our conversations. We had 3 other CDs of the same amount ( requested on XX/XX/XXXX ) from other banks who had no problem releasing and wiring the funds to my XXXX XXXX account within 2 business days. 

I feel that Ally consistently lied about the status of my request and held onto the money far longer than the usual ACH regulatory guidelines of 2-3 business days. None of Allys online information regarding ACH transfers speaks to any fraud prevention review. I had to argue with a supervisor to request their ACH policy, which I still have not received, nor do I trust that they will send it. 

Up until the release of the funds on XX/XX/XXXX, I was truly concerned that they, in fact, did not have my money and we were dealing with a serious banking issue and potential loss. 

We almost had to forfeit our home purchase and lose our deposit because of this situation. We are closing on our home almost a week later and have incurred additional expenses not only from added fees from closing, but also because we had to release 2 additional CDs, which were used to cover the costs of closing since we did not know when Ally was going to give us our money back. As a result of XXXX incompetence, this cost us over {$8800.00} in lost interest on those 2 CDs. 

While this has been an extremely upsetting and stressful course of events, I am also concerned that this is happening to others who may not know that they have agencies who may be able to advocate for them.
Consumer complaint received 2021-06-28
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)

Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.
Consumer complaint received 2023-10-14
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 7 years.

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

These inaccuracies are preventing me from buying a house for my family, purchasing a car so I can be mobile and have some independence.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (GA)

On XX/XX/2023 XXXX made an unauthorized inquiry XXXX, XXXX ; XX/XX/XXXX, ; XX/XX/2023 XXXX XXXX XXXX Pull my credit and i did not authorize them to pull. 
XXXX XXXX XXXX pull my credit on XX/XX/2023, I did not authorize them to pull. 
XXXX XXXX pulled my credit on XX/XX/2023. Ive called all the companies listed and was told that they would remove the Inquires, but has not removed the inquiries. 

Also, Theres a XXXXXXXX XXXXXXXX account ( opened XXXX ) ( amount of the trade {$800.00} ) reporting on my Credit file, that i am not responsible for, i am no longer listed as an authorized user on this account. i have disputed this account for the last 4 months, and this accounts still remains on my credit report. XXXX XXXX  no longer have me listed on this account and has taken me off. XXXX, Experian, and XXXX are still reporting this account.
Consumer complaint received 2023-06-07
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00}
Consumer complaint received 2023-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

sent closing documents with a XXXX year loan and a payment I agreed with. I signed the same documents multiple times over a XXXX  month period. I get a pre closing documents on the XXXX saying closing on the XXXX. I signed them. I haven't heard from the mortgage company for XXXX  days. then today I get another closing agreement with a XXXX year period and same interest. 
This is for a refinance of a boat loan. and this loan is worse than the loan I'm trying to refinance. They made my appraise my house for {$540.00} and then change rates and term after I do ... under my nose. Fraudulent and dishonest.
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (MD)

A few minutes ago, I received a notification of a new entry in my credit report. When I checked, I saw a listing for Eastern Services for a debt of {$110.00}. I have never heard of this company in my life, and I never received any correspondence from them. Not sure how to validate a debt with a company that doesnt communicate. This is awful.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (CA)

I loaded XXXX on my transactXXXX  card for my hotel room payment, I tried to activate my card they say that they couldn't verify my identity, then I tried other ways cause I am an single father with XXXX kids and I couldn't use my card and was left in the streets cause they kept playing on the phone when I would call
Consumer complaint received 2023-10-14
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 7 years.

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

These inaccuracies are preventing me from buying a house for my family, purchasing a car so I can be mobile and have some independence.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXXXXXX XXXX XXXX XXXX  put an incorrect inquiry on my credit report. I called and explained to them that I hadnt recent applied for a credit card and to not let anymore credit inquiried happen without 3 stage verification. They allowed another inquiry to take place the following day. When I called back to complain to them they stated they cant stop a fraudster from applying for new cards and I explained to them the technology is available for 2 step verification and this shouldnt be going back on my credit report again and again.. i had already placed a fraud alert on my 3 credit reports prior to the seconf inquiry and they were just allowing this to happen.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I wrote XXXX and Experian about 45 days ago. I asked them to investigate two accounts that were inaccurate. I provided supporting documentation according to their requirements of what would be acceptable documents. To investigate the inaccuracies. XXXX XXXX response was that i did not follow the proper documentation guidelines. An according to their letter stated what would be acceptable. Which is what i provided them three times. This leads me to believe what iam asking to be investigated and reviewed has not been done. And i have continued to receive false investigation reports. Experian has exceeded the timeline for them to respond and iam now escalating the matter to you. The documentation i have provided is : XXXX XXXX response to the investigation that changed absolutely nothing yet they investigated. 
A copy of the letter i sent them A copy of my current credit report and the inaccuracies. 

I only ask that these companies be responsible and truthful with their correspondence. 
Thanks in advance
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (OR)

I opened a " virtual checking account '' with PNC Bank because I figured like every other financial institution these days, brick and mortar or otherwise their virtual account would come with a virtual card. I deposited my paycheck {$750.00} with PNC Bank and the date it gave me it would be posted would be the XXXX. When I realized they PNC Bank no virtual card on their " virtual account '' I messaged PNC Bank to bring up to them that every aspect down to the name of the account type was incredibly misleading. I had been directed to them from a paid blog claiming they had a deposit bonus ( disappeared after opening account ). I go to check my balance on PNC 's site the XXXX and there is only {$.00} cents in my account. I had made no other transactions with the exception of my deposit. I messaged a second time inquiring about where all the funds had gone and why my account has a balance, but not a correct one. PNC customer service claimed that my deposit was on hold to make sure the funds were going to clear .... With the XXXX XXXX XXXX check I deposited. I confirmed with her that really was their claim and she being told again it was too make sure it cleared I asked why there was XXXX XXXX in my account. She didn't have a response. The midst information I was able to drag out of PNC was when I asked if that XXXX was from the deposit I was told yes. I asked how that was possible if they had to wait for it to clear and inquired about why she was being dishonest with me. She ended the chat on me. Not only was PNC incredibly rude and smug in dealing with me, blatantly misleading and lied to me directly that's not even the most surprising thing. That would be the fact it's now it is the XXXX without the rest of my paycheck becoming available or out any answers to my incredibly valid questions. I hope my experience can save someone else the terrible and frustration of dealing with these scam artists dressed up like a financial institution, because now I have extra charges on my rent and other bills for being late on them and the amount for that keeps going up the longer they have my money I worked for in imagination land. I would love to be reimbursed for the late fees I'm
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

Lexisnexis, XXXX XXXX XXXX, XXXX are reporting a bankruptcy On my credit report and they have put in the date of furniture that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is false, attached is a copy of a letter from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX verifying and stating that they do not furnished information over to the credit bureaus or any credit monitoring services nor they verify or validate any information concerning Bankruptcies. XXXX, XXXX & XXXX are falsely stating this information on my credit reports and have yet removed this information from my credit reports.THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA {$610.00} ( XXXX XXXX $ XXXX ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2024-04-05
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. (MI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/ I sent Midland Credit Management a debt validation letter asking them to provide the following. Agreement with there client that grants midland credit the authority to collect the alleged debt, signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collection, any agreement that bears the signature of debtor wherein agreed to pay creditor, all statements while account was open. Midland Credit Management only responded with copies of billing statements and old bill statement copies
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (FL)

XXXX XXXX. 
PayPal , Inc . 
{$950.00} reference # : XXXX I do not use PayPal for anything, ever. 
I have XXXX idea what this debt is in reference to. 
Their mailing has no validation for the debt. 

XXXX XXXX XXXX XXXX is collector that sent the attached letter.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have been contesting for 1.5 years with both experian and XXXX about inaccuracies on my credit report with my XXXX XXXX  Everytime I submit a dispute they say it's been " investigated '' and the information is accruate. I have emails, letters, and phone calls with upstart saying that they havbe not reported ANYTHING late, and they have no record of either credit agency contacting them for an investigation. I want the late payments removed from my credigt but they refuse EVEN WITH DOCUMENTATION from the creditor.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.
Consumer complaint received 2023-10-14
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)

I, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with Experian, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid 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: CITIBANK, N.A. (NV)

on XX/XX/XXXX my purse was stolen outside of XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Nevada a fraud charge was made on my citi bank credit card at XXXX XXXX store # XXXX XXXX XXXX NV for the amount of {$180.00}. I've called the citi bank fraud # XXXX multiple times to report the charge I've sent multiple letters and documents with no help from them now more then a month later. I paid off the account in full and tried again to report the charge and again no one can help me. I've verified all personal information with still no help from them. My other cards where also used at the same XXXX for much larger amounts but I had no issues with any of my other cards. I only have my old account to provide to you with citi bank and that's how I was able to pay off my account it's a citi XXXX card account # XXXX expires XX/XX/XXXX security code XXXX. Please help if you have anymore questions please call me at XXXX sincerely XXXX XXXX