davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TN)

On XX/XX/2023, I received an alert through XXXX XXXX and XXXX XXXX that an hard inquiry was reported to my credit file to XXXX XXXX. The inquiry was made through Barclays Bank Delaware on XX/XX/2023. I contacted Barclays Bank Delaware, and they told me that they did not show an application on file. I told them I did not apply for anything and that to please remove the inquiry. They responded and said that since they did not find an application on file, they couldnt remove it. I advised them that since it shows that they reported it, that they have to remove it. They advised they couldnt because they dont show an application submitted. This is a fraudulent inquiry account reported to my credit file. Please help to remove this. 

On XX/XX/2023, I received an email for a credit contract from XXXX XXXX XXXX. When I contacted them they advised that they did not receive or had an application on file relating to me. This as well is a fraudulent account reported to my credit file. Please help to remove this.
Consumer complaint received 2017-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (CA)

This is an email I attempted to send Arcadia but then realized no email address listed on site. I have attempted to return your calls numerous times, the voicemail box is constantly full. The number listed on your web page is an embarrassing error on your part as it is a personal adult hotline to link males and females?! 

Anyway, had I been able to connect with a representative I would have asked for an offer in compromise. I am on XXXX XXXX XXXX with a severely limited income. Please remove the {$60.00} interest because it has proven impossible to connect with you. 

That leaves a principle of {$400.00}, I can offer {$100.00} only at this time and that will not change due to my XXXX income and outgoings which exceed it. I am about to file Chapter XXXX in which case nothing will be paid. 

Please respond ASAP as I am unable to reach you via phone. 

I will be undergoing XXXX at the end of XX/XX/XXXX and would like this resolved by then without any further interest charges. 

Thank you. 



Sent from my XXXX Sent from my XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

This is a private matter and should not be on my credit profile. This is my personal information this is not for public consumption and I have first hand knowledge that I never provided any written consent for this information to be listed. Under the Gramm Leach Biley Act, also known as 15 USC 6803, institutions are supposed to provide me with disclosures to give me an option to opt out before reporting such information. I am revoking any and all consent or implied consent to report this non public information and this must be deleted permanently from my report.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DC)

To Whom it may concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports. 

Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear sirs, my name is XXXX XXXX XXXX. I am writing to you because of a XXXX transaction payment that was made on XX/XX/2022 at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and has been stopped by a correspondent bank XXXX Bank Of America until now, please read the full information below. On XX/XX/2022 I received a Compliance request from a correspondent bank of Bank of America and on XX/XX/2022 I responded to this request. However, to date, the payment has not been returned to the debtor bank and has not been sent further to the recipient, while the specified goods have already been sent from the XXXX supplier to the XXXX  customer. Please kindly check the current status of this transaction and arrange for its refund to allow us to resolve this issue. Thank you for your understanding and cooperation. 

XXXX : XXXX Sender 's Reference : XXXX Transfer amount : XXXX $ Recipient 's bank : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX 
payment by invoice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Purpose of payment : PAYMENT FOR ORDER XXXX DATED XX/XX/2022. The goods were planned for further resale. Not for military use.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX
Consumer complaint received 2024-03-15
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'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 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX  XXXX Date XXXX XXXX {$760.00}
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made an accidental transfer from my BoA Checking Account to my BoA credit card Account. The amount was {$17000.00}. 

My intent was to transfer it to my BoA Savings Account. 

Im presently not working and this is ALL of the money I am living on for the next 4 months. 

It happened on a holiday, XXXX XXXX XX/XX/XXXX and the bank being closed I waited until XX/XX/XXXX to call BoA and request a cancellation. I was told that I would have to wait for the transfer to post before anything could be done. 

It posted on XX/XX/XXXX to my BoA Credit Card account and when I called was told a message would be sent to the Resolutions Department and it could be anywhere from XXXX days for a refund. 

3 days later I called to get a status update and determine where in the process it was because I had not received any receipt or indication on my account that anything was pending or being processed. I was told by the receptionist that it would be 3-6 days because it was within my own accounts. 

6 days elapsed and no call. The 11th day elapsed and no reversal of transfer. So I called and was told it may be at the end of my billing cycle which is the XXXX of XXXX. Thats completely unacceptable. The phone receptionist/teller was unable to transfer me to anyone to further explain why this is happening. 

I have no idea why its taking this long or if this information can be trusted. I am living on this money and need to pay bills and no one can give an accurate picture of whats going on or why or when it will be resolved. The tellers/receptionists Im speaking with arent being consistent or giving me the impression they have any idea what theyre talking about and wont allow me to contact the resolution department or a supervisor to determine the issue. 

XX/XX/XXXX will be a month my money will be tied up and theres ZERO indication that it will be ready at that point as theyve been wrong 2 times before. How will I pay bills? Rent?
Consumer complaint received 2017-05-06
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. (TX)

Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of   XXXX   XXXX    2017 and  spok e with a US represent ative from which I did n't get anything but a hard time and someone who belittled me. On   XXXX   XXXX    2017, I  sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to   XXXX    which was delivered at  XXXX    XXXX   on   XXXX   XXXX    2017 in   XXXX , PA  XXXX  asking them to investigate. On   XXXX   XXXX    2017,    XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to Experian which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX    XXXX   on  XXXX   XXXX ,    2017 in   XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX    XXXX   on  XXXX   XXXX ,  2017 in    XXXX , GA  XXXX . According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any   information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On   XXXX   XXXX   XXXX     I contacted my mortgage company to alert them that not all of my taxes had been paid and were due by the end of  XXXX . They had paid all of  one county and part of the second county. I  made subsequent phone calls on  X/XX/17   ,  XXXX ,  X/X/17   ,  X/X/17   ,  X/XX/17    and  X/X/17    and sent emails and faxes to resolve this matter. I have supplied them with account numbers, addresses and the tax certificate that was presented to them after closing showing all the tax accounts and counties they are due to. I have spoken to several supervisors with the last  one  on  X/XX/17    who looked it u p on the county web  site while I was on the phone and said that he would request a check be sent  XXXX  on that following Monday to avoid a tax sale and he would work with the tax department to resolve it after that. He would call me back by Tuesday   XXXX    . I never heard from him. As of   XXXX     the taxes remain unpaid and have incurred over {$400.00} in unpaid penalties and interest.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I submitted a checking account dispute on XX/XX/XXXX for a purchase in the amount of {$590.00} from XXXX made on XX/XX/XXXX. I stated in my dispute that I attempted several times to contact XXXX but have been unsuccessful. I specified I reached out via phone multiple times ( voicemails not returned ), through XXXX messenger ( no response ), and through chat via their website ( no response ). My dispute with Ally Bank was denied. I was informed I needed to attempt to resolve the issue with the merchant. As I stated in my dispute, I have exhausted every possible option available to me to reach out to this company to resolve the issue and have not received any type of response from them. My order has not been received and my refund request has not been completed or acknowledged. Ally Bank clearly did not do their due diligence when investigating this claim and blatantly ignored the facts of the initial dispute. I was promised protection by Ally Bank for fraud, yet they are not following through on that guarantee.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Billing error 12 car 1026.13 ( 6 ) requested additional clarification. 
Time for resolution : given 30 days and defiled the requirements from 12cfr 1026.13 15 USC 44 ENHAMCED RECOVERY COMP. DID NOT MEET Requirements under 1026.13 and 15 usc 1666 ( d ) correction of billing UH. I now have a violation of law against ENHANCED RECOVERY R.

REMEDY FOR NATURAL LIVING WOMAN AND BENEFICIAL OWNER. YOU ARE CIVILLY LIABLE TO ME UNDER IMPOSED SUBCHAPTER WITH RESPECT TO ANY CONSUMER ANY CREDITOR WHO FAILS TO COMPLY WITH RESPECT TO ANY CONSUMER IS THE. REDITOR UNDER 15 usc 1602 ( e ). 

Notice and demand for cease and desist was given on XXXX I will upload all documents as certificate of authentication
Consumer complaint received 2024-03-15
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. (NH)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-11-22
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. (NY)

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 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 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

So theres 2 problems here I did not know I can file a complaint this way, I had a total of XXXX charged to my account through cash app which was connected to my debit card unauthorized transactions that I did not make my self or allow anyone else to make. I had the physical card on me. XX/XX/XXXX was the first unauthorized transaction in the amount of XXXX dollars to XXXX  XXXX XXXX and between that date and XX/XX/XXXX there were a total of 11 transactions totaling XXXX that was sent to this person that I do not know and have no business with. I reported this to Wells Fargo before 60 days had past the last transaction that was made on XX/XX/XXXX of 2022 I made the report on the Transaction XX/XX/XXXX of XXXX  and my claim was denied for a reason unknown. To me. 

The second incident was a withdrawal in the amount of XXXX or XXXX Im not 100 percent sure on the number because I cant access my account anymore due to the closing my account after reporting these fraudulent transactions. I used my Wells Fargo card for a down payment on a car from XXXX so when the money was deducted from my account I didnt think twice about it about 30 days later I get a letter from XXXX XXXX saying if I dont resolve the balance of my down payment my car will be repoed. So I go back and look at the transaction and apparently someone was able to withdraw the money from my account and Wells Fargo denied my claim with nothing on their findings and on top of that closed my account after reporting it to them.
Consumer complaint received 2023-06-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NY)

I made numerous attempts to get lvnv funding to validate the debt. they continue to send me collection letters and not the original contract with my signature. They are in violation of numerous consumer law and FDCPA laws such as 15 usc 1692c, 1692d, 1692, j and 1692g. they are not complying with my requests of validation of the debt. they are just making redundant attempts to collect a debt that i do not owe.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paysend US LLC ()

XX/XX/. I sent {$2700.00} through Paysend, to a family member for a birthday party, XX/XX/XXXX, I put the wrong date for birth date by I number. I asked for an update on my changes. No one stated it was done. On that same date I advised to cancel this transaction. They stated they are working on it. I was told my complaint would take 15 days to get it resolved. 
We are now at XX/XX/XXXX and I still have not gotten my money back. 
I was told numerous times that they have to figure out how to refund my money. I was told by sending messages and complaints everyday and about XXXX a day does nothing to make it happen. 
I can't wait anymore. It should not take this long to get back my money.
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

Late last year PNC took over my mortgage. I have sent my mortgage payments on time like I have for the past 40 years. PNC is extremely slow in processing my payments and now wants me to pay a late fee of {$66.00}. The company is incompetent in their ability to process loan payments in a timely fashion. When i have called the Bank reprehensive have mostly pleasant but refuse to take off the late payment a second time. I have spent several hours trying to get this issue resolved. PNC wanted to do direct withdraw from my bank account which i have agreed to. But I just sent me a notice my last payment was rejected because the late fee was not included but PNC has not returned my funds.. 
I am Sueing PNC in district court, I have all the documentation of when mortgage payments were sent and received.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Issue : Capital One credit card late payments reported. 

In accordance with the Fair Credit Reporting Act, Capital One has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torriere Holdings INC (SC)

SRS called saying I allegedly owe a debt and it was placed with them by a client of theirs. 2 of their debt collectors hung up the phone on me while I was talking ( which was very rude and unfair ). The 3rd guy, XXXX whom Id spoken with, I asked him to transfer me over to his manager or Supervisor and the phone went silent for a few minutes, he didnt try to transfer me over but as soon as I said they are being recorded as well, I heard him immediately say hold on while I transfer you and a few seconds later the manager came on. They want to talk but when I start talking about their unfair practices, they hang up the phone as I continue to talk. As I talked with the manager, he was very rude, unfair, and the conduct was very much abusive with repeated infliction of verbal abuse, such as the use of derogatory remarks and insults, saying I need to stay off XXXX and XXXX from watching credit gurus. I felt very much insulted, belittled and they insulted my intelligence. I know the laws and I research FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ) all the time. I told the manager I do not watch XXXX  and he insisted on trying to tell me that I do and that I watch XXXX and that I need to stop listening to it. Why is it that when a consumer who knows the laws, they talk to you as if you are uneducated and they are the only ones who know the laws? They were intimidating and deliberately tried to undermine my work and reputation and I honestly feel SRS was out to oppress me.