davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I JUST NEWLY DISCOVERED THAT SOMEBODY HAD ACTUALLY INTERCEPTED MY APPROVED XXXX CLAIM FUNDS AND AT THE TIME I WAS HOMELESS AND GOING IN BETWEEN SHELTERS AND AND IN ANYWHERE I COULD STAY REALLY AND MY MAIL HAD BEEN INTERCEPTED WITH THE CHANGE OF ADDRESS TO SOME UNBEKNOWNST PLACE THAT I'VE NEVER EVEN DEALT WITH I DON'T UNDERSTAND WHY NOW I'VE REPORTED MY XXXX AS FRAUD AND I'VE TAKEN ALL THE NECESSARY STEPS BEING AS ALL I'VE PLEASE REPORTS I'VE GOT A TRAILER OF DOCUMENTS SHOWING THAT I'VE LOST ACCESS TO MY EMAIL AT A PERIOD OF TIME BECAUSE I WAS I GUESS HACKED IF YOU COULD SAY I DON'T KNOW WHAT THEY DID TO GET MY EMAIL AND THEY STOLE MY PURSE EVERYTHING IN MY WENT MISSING WHEN I WAS HOMELESS AND NOW I'M NOT ABLE TO RETRIEVE MY FUNDS I KNOW THAT THEY ARE SUPPOSED TO GIVE ME MY FUNDS BACK I HAVEN'T EVEN BEEN ABLE TO USE ANY OF MY XXXX MONEY THAT RIGHTFULLY AND ENTITLED TO BEING AS THOUGH I DID APPLY FOR IT I DON'T UNDERSTAND HOW THAT I HAVEN'T GOT MY CONDITIONAL CREDIT YET AND NO ONE SAID ANYTHING TO ME AS IF IT'S JUST NOTHING THAT MY FRIENDS WERE GONE AND I WENT HOMELESS AND LOST EVERYTHING INCLUDING CUSTODY OF MY CHILD AND EVERYTHING AT THE TIME OF THIS HAPPENED
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc. (UT)

Express Recovery is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called Express Recovery to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.
Consumer complaint received 2017-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VT)

Please see below with regards to blocked online banking with Wells Fargo : I have had no problem with my online banking for the last year that I have had my account since being in America with Wells Fargo. Within the last 2 weeks both my friend and I have had our accounts blocked and were told that it was done by the fraud department. When we called, they told us that they could not tell us why they were blocked and that there is way to tell us over the phone. We HAVE to go into a branch. Please bear in mind that we live in Vermont and work in the middle of nowhere. The closest branch is 73 miles away. On top of this we are international workers and do not have any transport. We now have to possibly find people who are prepared to help and pay them to try and help us to go to a branch to get help since they are REFUSING to assist us over the phone. 

I called them this morning ( XX/XX/17 ) and was told that the normal online banking department could not help me. They told me that they had to send me to the Fraud department. I then spoke to 3 different people in the fraud department and they all told me that they do n't know the problem, i have to go in and then they will be able to assist me. I also have to take 2 forms of ID with me into the bank. The more I explained to these people that i can not get to a bank, the more they explained they can not help me. 

I find it pathetic since answered all the questions they asked including my last transaction etc etc etc. I have all the names of the people i spoke to and the times of the calls. What I also find ridiculous is how not one person could give me a reference number for one of my phone calls.

Additionally, i also received an email from Wells Fargo on XX/XX/XXXX saying that my account communication had been changed from email to post/mail. I never requested this and neither did my friend but she also received this email from you. I personally believe that you have a glitch somewhere in your system that not one of your employees is able to detect which i think is beyond unprofessional. 

I have not updated info that needed to be verified, I have not done anything suspicious that calls for them to review my activity and therefore block it and when I call there is no one that can assist me, including your managers that I spoke to. 

I am also not sure if it is because we are both International and you are therefore not interested in assisting us as you would a citizen or if your overall incompetence is just a general work ethic with all your clients. 

What I would like to have happen is : a reason as to why our my account was blocked, a reason why none of your employees could assist me and i would like to have this resolved within 48 hours although i am sure thee may be some excuse since it is now the weekend.

Please see to it that this is resolved immediately. 

Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXXPaid in full 2nd Mortgage to XXXX when we sold house. 1st Mortgage was paid in full on same date Experian reported the payoff as a short sale, which it was not. We paid it in full! XXXX and XXXX reported it correctly. 

XXXX Sent in dispute, unresolved XXXXTrying for new Mortgage and it is showing same status. Can not complete Mortgage application without clarification. 

XXXXSent in 2nd dispute and 3rd dispute. Both times they are saying the documents I attached were unreadable but both disputes are unresolved. Waiting over 2 weeks for answer. 

XXXXspoke with dispute center and sent a 3rd copy of the documents. Now waiting an additional day to see resolution. 

XXXX-Spoke with Mortgage company-XXXX and they stated they never reported it as Short Sale and will send documentation to Experian.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

I had an account with Wells Fargo back in 2016 for an insurance policy they offered with a partnering company back then. I never received the I surance cars to use so I called them on a number on which nobody ever answered. I tried to cancel it through WF, bit was told by their agent I " must cancel it with the provider ''. I never got through and I couldn't cancel it which seemed like suspicious business practice. Since I couldn't cancel the service or charges I closed my account in 2016 and switched to chase. I do believe I heard WF has a lawsuit against them regarding this so I would like to be compensated for this horrible experience.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.
Consumer complaint received 2023-06-05
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. (LA)

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 reports no consent is fraud.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (IL)

Sent an electronic message to Ally customer service via their website asking " I can transfer funds with next day delivery using your website from my XXXX account, but if I schedule recurring transfers there is a several-day delay. Why is this the case? Can you fix it? '' I received what I feel was a complete non-answer, what appeared to be boilerplate text describing their manual funds transfer policy.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2021-06-25
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: DISCOVER BANK (FL)

I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACI Worldwide, Corp. (WA)

I received an attempt to collect a debt from ACI, a debt collection company, dated XX/XX/2021 in the amount of {$310.00} The debt states it is from a XXXX account. 

I do NOT have a XXXX account.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE (NV)

XX/XX/scrub> 2024 I received a call from bank by a staff speaking in behalf of president as a communicator without consideration for name error cited in email to staff of bank. Staff completely ignored social security number signature and altered name to match XXXX XXXX XXXX XXXX XXXX [ XXXX ] of XXXX language unlawfully applying forbidden sound [ XXXX  ] to english customer 's name of US national anthem The Star Spangled Banner. 

The bank issued the wrong account name in association with social security number signature. I cited error in email to bank. XXXX bank proceeded to call customer on date indicated from a prohibited single letter white star XXXX XXXX XXXX XXXX XXXX XXXX. [ XXXX ] against state issued clear XXXX letter given name [ XXXX XXXX ] and surname [ chief ] registered as a XXXX person with XXXX  master XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] of XXXX state of CA XXXX. I applied with correct XXXX letter abbreviation that stands for first name than surname with social security number signature. Website showed green box with white check mark symbol apon submission than XXXX XXXX XXXX XXXX XXXX XXXX staff rearranged name to XXXX letter name of XXXX XXXX XXXX XXXX XXXX XXXX ] or a single letter name abbreviation that stands for nothing after submission opening a error page with red font of passing grade symbol used against customer to forge denial letter in support of a XXXX XXXX XXXX without a state issued credit file. Customer has a perfect credit file issued by state government for being clear XXXX person of XXXX XXXX born in XXXX, and the United States.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-01-24
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. (NC)

I have submitted a dispute multiple times to Transunion regarding an account from XXXX XXXX XXXX. I am unable to even access my credit report because the dispute is filed yet again. I explained the account is linked to an address I have never lived at and they verified with me I only had XXXX address on my report. I asked to have it removed and they said it was verified. I asked them to verify the address was incorrect and they did verify it was wrong yet refuse to remove it. This is not only unfair but illegal. They are admitting to not doing a true and proper investigation and even if the information is proven innocent they refuse to remove it.
Consumer complaint received 2021-06-25
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. (AL)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.
Consumer complaint received 2023-06-05
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. (TX)

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX : {$660.00} XXXX  XXXX Balance : {$1600.00}
Consumer complaint received 2023-06-05
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. (VA)

I have been disputing this for over a few years and they will not Remove it from my report. I have included letters from the court and XXXX and any other verification system showing that this information should not be on my credit report and they will not remove it.
Consumer complaint received 2024-02-29
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.