davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

After review of my credit report, attached for evidence, there are accounts that are reporting closed accounts. For instance, XXXX account ending in XXXX and XXXX. Additionally, XXXX account XXXX, is showing two separate reporting with different balances which is inaccurate. Seems to be XXXX and the credit bureaus are reporting inaccurate information which also violates consumer rights. XXXX is also reporting closed whereas the consumer has not been given the 1099-c federally required form of debt cancellation. US DEPT OF ED/XXXX account number XXXX is also reporting closed and also showing duplicate, more than once reported on the same account. XXXX XXXX XXXX account number XXXX is also reporting closed. I am demanding these accounts mentioned be deleted. XXXX, XXXX, US Dept of Ed, XXXX XXXX XXXX as well as the credit bureaus are violating my consumer rights by reporting closed accounts and inaccurate information. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, XXXX is reporting this information. The reporting of excluded information pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX  compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My XXXX lease ended last summer in XXXXXXXX XXXX XXXX. I made all of my payments on time and had no outstanding balance when I returned the automobile. Several days ago, XXXX XXXX started reporting a late payment, THREE QUARTERS OF A YEAR since the lease ended!!!! 

This information is FACIALLY FALSE and costing me $ XXXX per day on a significant purchase that is impacting my business so I can not afford to wait for a so-called " reinvestigation '' by the furnisher. In fact, facially false data is subject to EXPEDITED dispute resolution procedures and you have my phone number so CALL me IMMEDIATELY to resolve this and notify me that you are, in fact, deleting the item of information called XXXXXXXX XXXX starting in XXXX and confirming it will not be reinserted until maximally accurate!
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (UT)

On XX/XX/17 at around XXXX XXXX  ET I applied for a personal loan with the company. I asked the representative over the phone at the beginning of the call if the loan can be direct depositied EFT ACH to my personal bank account. I asked how long. She said it can be within a day or so. During the process of taking the application over the phone she said I was approved and asked how I would like the funds, " checking, savings or money market. '' I said, " Oh, it can be send via money market? '' Ya, that would work. I then gave my money market account info. She then submitted my final application and the system came back and said I needed to upload three months documentation of my account. I told her that while I've banked with this bank for more than 1 year, I only opened up the money market account within the past month. She then told me the loan would have to be sent to me by check then. I told her that if she had told me that when I was choosing what account to have it sent to I would have chosen checking. She said she couldn't do anything about it now and I would have to wait 90 days to reapply for the loan. I then cancelled the applicaiton. I was told something during the application process that wasn't correct and now my credit has a hard pull on it which negatively affects my credit. I am being negatively affected by this and the representative didn't care. There has to be loan laws that prevent people taking loan applications to promise things and say things that aren't true. If I had known funds couldn't be transferred to my bank account, I never would have applied.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Please refer complaint # XXXX YOUR COMPLAINT I have a wells Fargo business and personal checking account. I called at XXXX XXXX  central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? This female was not at all in a mood to do the work? When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me. 


Please refer to the response from Wells Fargo Unfortunately, we stopped accepting foreign checks from XXXX in XXXX. Another option to receive funds from XXXX is a foreign wire. 


How come they are calling me XXXX? It's a great offense to call an XXXX origin purpose as XXXX. This is ridiculous that I am having this account since XXXX and visits the branch at least 3-4 times in a year. This is the worst KYC. I feel quite offended and insulting that they are calling me XXXX. Historically XXXX is one of the biggest dreaded sworn XXXX of XXXX.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

On XX/XX/XXXXXXXX  i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from XXXX XXXX Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the XXXX XXXX Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 
On XX/XX/XXXXXXXX  I called both XXXX and Equifax to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.
Consumer complaint received 2023-10-17
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: RockLoans Holdings LLC (GA)

i have called this company several times ( ROCKETLOANS ) about the loan that was open when i locked i was XXXX XXXX XXXX XXXX  from XX/XX/XXXXXXXX XXXX XXXXill XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX  and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from
Consumer complaint received 2023-05-04
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. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My email address seems to have been compromised : XXXX. 

Last night at XXXXXXXX XXXX I received emails from Bank of America referencing an online account sign up. Account confirmation verficiation emails appear to have been opened since I received further emails welcoming me to the bank. 
I then receieved another email around XXXX XXXX this morning showing the denial of an account application under the name XXXX. My name is not XXXX and I did not file an application. 
( Note, I have received a multiple emails over the past few years under the name XXXX signing up for various websites. ) My name is XXXX XXXX and I did not use my email address to attemp to open this account. I am filing this complaint since this person is using my email address to attempt to open a bank account. 
I spoke with Bank of America and they confirmed with me that XXXX did not use personally identifiable information like my SSN for the application, though I am still concerned they were able to sign up and apply through using my email. 
My XXXX password has been changed 3 days ago, and for some reason this person still has access to my information. 
2 weeks ago I experienced fraud on my XXXX account where someone had used reward points to order dinner in Oregon. I live in New Jersey and did not authorize this. I will be filing a complaint with this FTC on this matter. However I believe these incidents may be related and this " XXXX '' should be investigated. 
I will be no longer signing up for new accounts with my XXXX email and plan to delete the account after backing up my data. 

Please let me know if you need any further information from me and if you are able to identify this person and how they have access to my XXXX account even after changing my password and having 2 step verification enabled. 

I have attached the emails from Bank of America which I did not authorize, as well as past emails I was able to find referencing the name XXXX. There were more emails in the past starting around XXXX but I am not able to find them.
Consumer complaint received 2023-06-17
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)

I do not recognize the following unauthorized inquiries : XXXX XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 )
Consumer complaint received 2023-10-17
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. (PA)

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  I don't want this on my report, these are negative accounts reported under my name.
Consumer complaint received 2023-10-17
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. (PA)

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 I don't want this on my report, these are negative accounts reported under my name.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a new vehicle and all my paperwork has only the dealership name on it. When I asked the company that calls everyday to send any paperwork that states that I have a contract with them they repossess my car off of private property and signs are posted stating private property.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXX Delete this account because each bureau reports a different date last paid : Experian shows XX/XX/XXXX, XXXX shows no date and, XXXX shows XX/XX/XXXX, how can this be accurate?, remove due to inaccuracy - I never paid late in XXXX or XXXX of XXXX, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (PA)

On XX/XX/23, I submitted a {$40.00} payment to Indigo XXXX acct on a balance of {$300.00}. The payment was applied and the current balance is {$260.00}. However, the available credit remained at - {$5.00}. After applying the payment there should be an available credit amount. 
Approximately, XX/XX/23, I inquired about the available credit remaining at - {$5.00}. It was very difficult to understand the agent but I was able to decipher something about 15 days. 
At this time, XX/XX/23, this remains at negative {$5.00}. Also, account provided an overlimit would be allowed.
Consumer complaint received 2023-10-17
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 was dealing with only one account that's in question on my Credit Report. i don't know where did they get this information and why they furnished this on my files. 

XXXX XXXX XXXXXXXX Account # : XXXX I have been raising and escalating this to Consumer Reporting Agencies on multiple occasions and I haven't received any updates from them until now.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-17
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: BARCLAYS BANK DELAWARE (PA)

XXXX charged us over {$10000.00} for the creation of two online landing pages for our company. They set up the admin rights under waltoe and not our firm. When we cancelled the mo. subscription we detected the fraud that was committed and they refuse to relinquish property that is not theirs
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is an inquiry I have no idea where it came from or who did it.
Consumer complaint received 2023-10-17
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. (AZ)

Experian has an address associated with my name that does not belong to me. I've tried report the information as fraudulent ( reason being identity theft ) with Experian and their website states : " That reason can't be processed online. If you believe that this information appears on your Credit Report as a result of identity theft, contact us by phone immediately. ( XXXX ) XXXX '' However, when you contact them by phone as instructed, you are also unable to report the issue as you are not able to speak with a live agent. This is absolutely ridiculous, I've spent hours trying to correct this issue on various occasions and nothing has been accomplished. This address was used with my information to open fraudulent utility bills in my name after my information was exposed in a data breach, which has already been reported to the FTC. The outstanding collections remain on my credit report because this address is associated with my name hurting my score and Experian makes this issue impossible to resolve despite my many attempts.
Consumer complaint received 2023-08-07
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. (PA)

My consumer report contains information about my transaction and experiences and according to 15 USC 1681a " A consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report ''. My utilization which is an experience has been included on my credit report.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX, I went to payoff my auto loan and so I called customer service. They told me that since the balance was over {$5000.00} that I could not pay it off. I asked for somebody else as that can not possibly be true then after getting a second representative they told me that they could not process payments of over {$5000.00} OVER THE PHONE. So I asked what my other options were given the " over the phone '' limitation. The rep then told me that I could make these payments via mobile banking or go into a branch. At that point I did not live in an area with physical branches as the closest branch to XXXX XXXX Ohio is over XXXX minutes each way so I logged into mobile banking and on XX/XX/XXXX setup a larger payment that got denied and put my account on hold as you can see from the attachment below. Immediately after getting this message I called customer service ( as shown in the below customer service attachment ) and spent about XXXX minutes bouncing around people explaining what happened when I finally got to somebody that seemed to understand the issue and was working on it. I was told that the hold would be removed from my account on XX/XX/XXXX or XXXX. Nothing happened so on XX/XX/XXXX I reached out through the chat feature in XXXX  Banking and that person told me that it would take until XXXX  XX/XX/XXXX and that I would get an email saying it was taken care of. It is now XX/XX/XXXX and I have tried XXXX different times to get an answer on what is holding this issue up and BMO keeps extending the deadline to which they will get me a response. I am completely 100 % unable to make payments on my loan and I am good for the month of XXXX but at this pace there are only a few more weeks before the XXXX payment is due and I do not want to be placed in default for an issue that BMO Harris has caused and I have done everything in my power to remedy the problem through normal channels.