davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MA)

In XX/XX/XXXX this writer Leased a new XXXX XXXX XXXX from Ally Financial. In XX/XX/XXXX we weren't decided on whether we were going to purchase the vehicle or not, so this writer contacted Ally Financial and requested a Lease extension. The Lease extension was granted and lasts until XX/XX/XXXX. We have now decided that we want to purchase the vehicle and applied for a Loan. The loan was authorized but the rates were very high, despite this writer and wife both having very high credit scores : credit scores that we worked 30 years to create. During the loan this writer contacted the bank ( XXXX XXXX XXXX ) to ask why our rates were so high. The bank reported that Ally Financial had recently reported to all 3 major credit bureaus that this writer was " late more than 30 days on a recent payment. This writer contacted Ally Financial to identify if a mistake was made and it was identified that my payment history was perfect and in fact that Ally owes money back to us for overpaying. I spoke to everyone I could to get this rectified and I was informed by Ally that it could not be rectified and that " Im sorry it must have been an error. '' Ally informed this writer that we had to report to CFPB to get corrected.

I have included a copy of payment history.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2023-11-14
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. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX MOT Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, CPS Date of Inquiry XX/XX/2022XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NV)

I sent a wire transfer for {$6000.00} from XXXX to Binance.us on XX/XX/21. Their website states that it takes XXXX days XXXX for a wire transfer to clear. The funds were immediately taken from my XXXX account on XX/XX/21 and still haven't been made available on XXXX XXXX XX/XX/21 XXXX. 

I've tried to contact XXXX  on a daily basis, only to be sent automated messages by their nonexistent customer service department.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

I recently received a piece of junk mail at my home address which contained sensitive loan information including my full federal student loan balance down to the exact dollar amount to date. It is my understanding that this information is only available to my student loan servicer ( MOHELA ), the national credit bureaus ( XXXX, XXXX and XXXX ), and the U.S. Department of Education. I am very conservative in how I treat my financial information. I only access financial institutions websites directly from my personal computer using my own secure wifi with virus protection. I do not believe I have put my financial information at risk however when I saw that a third party had clearly accessed my protected loan information to send junk mail, I notified MOHELA directly. MOHELA has failed to adequately address my concerns and has not accepted any responsibility for the breach but instead passed my concern off by directing me to the Consumer Financial Protection Bureau and U.S. Department of Education Office of the Inspector General to file a complaint which I have done so. MOHELA has not taken any steps to secure my information nor investigate the issue further. They did offer the opportunity to add a PIN number to my account so that when making payments or changes to my account information, it would require a two-factor authorization, however this does not address the concern that my information, including current balances, are being accessed by third parties without an attempt to manipulate my account information. In short, the third party company sending me junk mail is not attempting to impersonate me or make payments/take out a loan on my behalf, only using the illegally obtained information for marketing purposes. 

I would also like to note that in passing me off to CFPB, MOHELA provided incorrect contact information ( XXXX is the number they provided both over the phone and via email for CFPB ) and in fact directed me to a scam marketing line in which the company did not identify themselves but instead requested personal demographic information ( which I did not provide as I knew it to be a scam ).
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( identity IQ ) alerted me of the negative account. I contacted XXXX XXXX and XXXX, Equifax and XXXX to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : XXXX Account XXXX : XXXX
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

We have a mortgage with TD Bank that has auto pay so we do not miss any payment. The auto pay is also thru TD. This XXXX, TD Bank apparently raised our Escrow {$50.00} without any notification although neither our taxes Or insurance went up. The XXXX payment was short {$50.00} and TD immediately reported us as late Payment. As soon as I was aware I paid the {$50.00} event though I did not agree. Our Perfect credit score dropped 100 points. We tried to work with TD Bank and their Collections were very nasty and refused to remove the reported late payment stating TD does not make mistakes. We had many mistakes made during our loan process including money removed from our account we did not authorize but we always forgave them
Consumer complaint received 2023-04-11
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX IS CLAIMING I OPENED ACCT IN XXXX WITH NO PROOF OF TRANSACTION DISPUTED WITH CREDIT BUREAUS AND WON BY STATING MY DISPUTE MEETS REQUIREMENTS, AS OF TODAYS DATE XX/XX/XXXX XXXX XXXX IS STILL REPORTING FALSE CLAIMS ON MY CREDIT REPORT AS COLLECTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX NMLS ID-XXXX XXXX
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC (LA)

This company has repeated called my phone. When I spoke to them, the gentleman gave information that was false. He mentioned accounts that I do not have and then mentioned I have products that I never have had. I explained to him the information was inaccurate and that he has not provided me anything that I recognize. He then gets loud with me and yells " stop stealing! Stop defrauding people! '' This is a false claim and slanderous. Terrible.
Consumer complaint received 2023-03-30
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX AND XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance XXXX : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX FIN XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with? 
What date and time was this investigation Equifax could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

Subject : Complaint regarding excessive overdraft charges and violation of fair debt collection practices I am writing to formally lodge a complaint against the Bank regarding the excessive overdraft charges that have been imposed on my account over the past 365 days. This complaint is also on behalf of XXXX XXXX XXXX XXXX, who has experienced similar issues with his account. Firstly, I have been charged a total of 15 overdraft fees within the last year, which I believe is an excessive and unfair practice. These charges have had a detrimental impact on my financial well-being and have caused significant harm to my financial stability. Furthermore, these overdraft charges were not foreseen or anticipated by me, as I have always maintained a sufficient available balance in my account to cover any transactions. Therefore, I contend that these charges are not only unjust but also illegal under the applicable laws and regulations. In addition to the aforementioned concerns, I must bring to your attention a violation of the Fair Debt Collection Practices Act ( 15 USC 1692d ) committed by the Bank. On XX/XX/2023, at XXXX XXXX., I received a call from XXXX ( XXXX ) XXXX, which I later discovered was from the Bank 's debt collection department. During this call, profane and obscene language was used, causing me emotional distress and further harm. Such behavior is a clear violation of 15 USC 1692d ( 2 ) and is unacceptable. I hereby demand that all the overdraft charges imposed on my account be immediately removed, and the corresponding funds be returned to me without delay. Additionally, I am seeking compensation of {$1000.00} for each violation of the Fair Debt Collection Practices Act, as outlined in 15 USC 1692k. It is important to note that overdraft fee practices must comply with various laws and regulations, including but not limited to the Truth in Lending Act ( TILA ), the Electronic Fund Transfer Act ( EFTA ), Regulation Z, Regulation E, and Section 1036 of the Consumer Financial Protection Act ( CFPA ). These regulations prohibit unfair, deceptive, and abusive acts or practices, particularly in relation to overdraft fees. Charging overdraft fees on transactions that a consumer would not reasonably anticipate is likely to be deemed unfair and can cause substantial harm to consumers. I urge the Bank to thoroughly investigate this matter and take immediate action to rectify the aforementioned issues. Failure to address these concerns in a satisfactory manner may leave me with no choice but to pursue legal remedies available to me. I expect a prompt response to this complaint within [ 14 days ] from the date of receipt of this letter. Please direct all correspondence regarding this matter to the address provided above ]. Thank you for your attention to this matter. I trust that the Bank will handle this complaint with the seriousness it deserves and work towards a fair resolution.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Wallet and all personal ID, Social Security, BANK CARD, EBT card, mail, drivers license were stolen from previous residence after I was unlawfully locked out by sherif in 2022. XXXX XXXX FILED INCIDENT REPORY than refused to help. The management was only one with access to unit and they refused to let me re-enter day of lockout.
Consumer complaint received 2023-05-09
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. (MO)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal,
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX
Consumer complaint received 2023-06-15
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. (NC)

There is information appearing on my consumer report that I did not provide written permission or instructions to be reported or furnished on my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. My request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. These identified transactions are not information related to any transaction by me, as the consumer. The reporting of this information is legally defined as identity theft. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX ________________________________________ XXXX XXXX XXXX XXXX {$1100.00} - XXXX ________________________________________ XXXX XXXX XXXX XXXX {$870.00} - XXXX ________________________________________ XXXX XXXX XXXX XXXX {$630.00} - XXXX ________________________________________ XXXX XXXX XXXX {$150.00}
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.