davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

I opened a checkings and savings account with Ally bank and transferred in {$180000.00} from my XXXX  XXXX XXXX Checkings to Ally Checkings and then Ally Savings. Then, I wanted my money back in that very same XXXX  XXXX XXXX account. I moved it all back from Ally Bank Savings into Checkings. Since they did not allow more than {$10000.00} in transfer at a time, I hade XXXX separate transactions back to my XXXX  XXXX XXXX. They locked me out of my account while the transfers are in limbo and I no longer have access to my life savings. I am utterly distraught, worried about whether I can keep up on payments. They refuse to unlock my account despite verifying my identity 6+ times over the last two weeks as they do no reveal details of the " investigation '' they are conducting. I have been provided no ETA of when this matter will resolve. Most bank accounts will just unlock your account same day weeks but I've been sitting in near poverty for almost XXXX weeks. 

Lastly, one instance I called someone, verified my identity with SSN, security questions, etc and the caller asked me if I am the owner of the account to which I responded " Yes ''. They then promptly said they will disconnect my line because I am not the owner of the account. This sounds so scummy and fishy!
Consumer complaint received 2023-08-08
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 this account ( A ). It is not permitted to report this account 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. 
XXXX XXXXXXXX
Consumer complaint received 2024-04-19
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file 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
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute the accuracy of several accounts on my credit report. Upon reviewing my credit report, I have discovered that these accounts are being reported inaccurately and require immediate attention. Firstly, these accounts should not be included in XXXX  as they were not part of any XXXX  proceeding. Secondly, the balances being reported for these accounts are incorrect and do not reflect the actual amounts owed. There was an error in the reporting of these accounts and request that they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and request that you conduct a thorough investigation into this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The purpose of this complaint is to have several unauthorized XXXX  credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I had someone call and claim to be with Wells Fargo, they transferred money out of one of my accounts and transferred to a XXXX XXXX XXXXXXXX account. Wells Fargo is saying that thy can not do anything about this and won't refund my money. I have filed a report with the local Sherriff Dept. A warrant has been issued for the arrest for the person who performed the unauthorized wire transfer from my account.
Consumer complaint received 2023-03-21
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. (FL)

My credit report dated XX/XX/2023 from the three major credit bureaus shows that XXXX consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by LAW. 
This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 
This is not my account and the creditor agreed to delete it.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (NY)

am writing to file a formal complaint against XXXX XXXX due to concerning incidents that have occurred with my credit information, specifically the unauthorized use of my credit card number and multiple inquiries on my credit report. These actions have raised significant concerns about potential violations of consumer protection laws, including 15 USC 44, 12 USC 44, and 12 USC 83 ( a ). 

Recently, I discovered that my credit card number was used without my knowledge or consent for transactions related to Credit Karma services. This unauthorized use of my credit card information is a serious breach of privacy and security and has raised questions about the safeguards Credit Karma has in place to protect sensitive consumer data.

Additionally, I have noticed multiple inquiries on my credit report made by Credit Karma without my explicit written or verbal consent. These inquiries have negatively impacted my credit score and have occurred without a clear and legitimate reason, which may be in violation of consumer protection laws. 

I request an immediate and thorough investigation into the unauthorized use of my credit card number and the multiple inquiries on my credit report. I also urge Credit Karma to take corrective actions promptly, including rectifying any unauthorized charges and inquiries. Moreover, I request that Credit Karma ensures strict compliance with the relevant consumer protection laws, specifically 15 USC 44, 12 USC 44, and 12 USC 83 ( a ), to protect consumers ' privacy and credit information. 

I expect a written response to this complaint, outlining the steps taken to rectify the unauthorized use of my credit card number, remove any unauthorized inquiries from my credit report, and ensure full compliance with consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring my confidence in Credit Karma 's handling of consumer data.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

We received a notice in the mail regarding foreclosure to our home. We have Nationstar the worst mortgage company I 've ever dealt with. We would have been current on our payment, however they sent back {$3000.00} in payments since XXXX. No letter, no notice until we received something from their attorney. We had paid {$1500.00} in XXXX and with these last few payments we would have been current. However, more legal fees added and " property inspections '' they expect us to pay {$6300.00} for a " reinstatement fee ''. We could use your help please. We were not trying to default and they have put us in this position. Our home is well taken care of and we want to stay.
Consumer complaint received 2023-12-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2023, I purchased a service from a merchant with XXXX $ but soon I asked the merchant to refund since I decided to cancel the service, the service never really started. 
But the merchant kept evading my refund request, I have to contact my credit card issuer Bank of America to dispute the transaction. 

After couple weeks the bank refused my dispute with some letters from the merchant about some ridiculous refund policy which I never seen before when I make the purchase, this is purely false marketing of the merchant and technically a scam, I can't believe the Bank of America was not able to recognize this.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (AL)

I applied for a mortgage on our rental home and have received roughly 100 mortgage solicitation calls in 2 days! I have to keep my phone on silent because it is constant. Ive also received numerous solicitation texts as well. It is my understanding that the 3 credit bureaus sell my information to solicitors. This is absolutely harassment. This must stop!
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK (GA)

I filed for bankruptcy XX/XX/2023. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
Consumer complaint received 2023-09-07
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 sent a letter to the Experian and XXXX 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 Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$910.00}.
Consumer complaint received 2023-07-25
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023, I contacted the Chase credit card company and requested that an agent transfer XXXX Ultimate Rewards points to their transfer XXXX XXXX XXXX XXXX The agent who handled the call had trouble understanding XXXX, so I re-read everything and verified she had the correct amount of points to be transferred and also the correct XXXX account number to transfer them to. After the call I went to the Chase website and saw that XXXX points were transferred to XXXX XXXX instead of the XXXX I requested. I called Chase and asked them to reverse the transaction, listen to the recorded call tapes, and they said they are unable to do that and would investigate and send me a letter in the future. I want Chase to reverse or refund the excess amount that they transferred in error, XXXX, and put them back in my account so that I am made whole again and don't have a massive amount of miles in a program that I do not frequently use and do not want those points in.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

HELLO, CAN EXPERIAN EXPLAINED XXXX XXXX : Your Current Account Status and Balance ON INFORMATION I RECEIVED AND THE MISSED INFORMATION EXPERIAN HAVE ON THEIR ACCOUNT. I HAVE AN OPEN COMPLAINT AGAINST EXPERIAN THROUGH CFPB BECAUSE IT SEEMS THAT WILL BE THE ONLY WAY EXPERIAN WILL ACCEPT A CONSUMER DISPUTE THROUGH THE GOVERNMENT. EXPERIAN HAS NOT ACKNOWLEDGED MY COMPLAINT THROUGH CFPB BUT HAS SHOWN A RECENT INVESTIGATION OPEN FOR APPROXIMATELY 2 TO 3 BUSINESS DAYS. USUALLY, IT TAKES THEM 24 HOURS TO DENY A DISPUTE FROM CONSUMERS. AS A FRAUD ANNALIST FROM A FINANCIAL COMPANY. I TAKE MISINFORMATION AND DEFAMATION OF CHARACTER VERY SERIOUSLY ESPECIALLY WHEN IT HIT HOME. I WILL GO PUBLIC WITH INFORMATION THAT I HAVE INVESTIGATED ON MY OWN ACCOUNT THROUGHOUT THE YEARS FROM EXPERIAN WHO HAS MANIPULATED, MISUSED, AND INFORMED CREDITORS AND ALLOWED UNVERIFIED INFORMATION TO BE PUBLICIZED ON MY PROFILE. IN ORDER TO PROFILE ME, XXXX, XXXX MY CHARACTER, AND SOLD TO THIRD PARTIES. MY INFORMATION IN THE PAST, BRIDGED MY INFORMATION AND IT IS AN ONGOING BATTLE WITH EXPERIAN PROVIDING CREDITORS WITH INACCURATE INFORMATION ABOUT ME WHENEVER INQUIRE ABOUT MY CREDIT WORTH. I HAVE HAD ENOUGH AND I WILL SICK LEGAL ADVICE AND PURSUE A LAWSUIT FOR THE MISTREATMENT AND EMOTIONAL DISTRESS.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

All debts have been discharged with 1099c form, company has committed fraud by release of Incorrect account and personal information adversely affecting credit reports. accounts should reflect a status of " paid in full '' or be removed completely from credit report.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX Apartments in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX Apartment incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, XXXX, and XXXX. We submitted written request, which included XXXX certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX requesting to remove the collection balance from our credit reports. Action dates : 1 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and XXXX. 2 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 3 ). Beginning XXXX through XX/XX/, multiple attempts made to XXXX XXXX Apartment to correct the issue they initiated. No response. 4 ). On XX/XX/, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/, the dispute is still active. Additional details available upon request.
Consumer complaint received 2023-08-29
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. (MI)

XX/XX/2023 I have reached out to have negative remarks removed from my credit report. There is a remark on my credit reports showing from XXXX, XXXX XXXX, and XXXX. I need these negative remarks moved showing Bankruptcy XXXX XXXX that is noted on these accounts. There isn't a bankruptcy reported on my credit report. I called in to the credit bureau today XX/XX/2023 letting them know that it needs to be removed and I was informed that the courts do not report to the credit bureau nor should the bankruptcy be listed on my credit report.
Consumer complaint received 2023-08-29
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. (MI)

XX/XX/2023 I have reached out to have negative remarks removed from my credit report. There is a remark on my credit reports showing from XXXX, XXXX XXXX, and XXXX. I need these negative remarks moved showing Bankruptcy XXXX XXXX that is noted on these accounts. There isn't a bankruptcy reported on my credit report. I called in to the credit bureau today XX/XX/2023 letting them know that it needs to be removed and I was informed that the courts do not report to the credit bureau nor should the bankruptcy be listed on my credit report.