davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ALLY FINANCIAL INC. (CA)

Ally Bank will not allow me to add to my XXXX balance from my Ally Bank ATM card via the XXXX " add to XXXX from bank card '' function. Ally Bank XXXX XXXX stated that my attempted transfers were being declined by Ally Bank as suspicious in nature. Furthermore, there was no escalation contact to report this to within Ally Bank. My Ally Bank ATM Bank card contract states a daily limit of {$3000.00} USD or {$5000.00} USD for cash withdrawals or cash advances. I was only allowed to successfully transfer {$100.00} USD in multiple transfer attempts which I initiated as well as several attempts that Ally Bank Customer Service had me perform while I was on the phone seeking their support in these troubled and failed transfer transactions. Their responses were stated pragmaticaly as Bank policy they were unable or unwilling to change despite my Ally Bank ATM Bank card contract and the fact that I had much more money available to me in my Ally Bank Checking AND Savings accounts then I was trying to Transfer to my XXXX balance. I also explained to XXXX Ally Bank XXXX that I could not use the XXXX " add to XXXX balance from bank acount '' function as it would take too many business days beyond the date my XXXX payment was due to my payment. This matter concerns a breach of contract in which Ally Bank is advising me that I do not actually have the contractually stated access to my monies due to their bank transfers security settings. I am under the understanding that XXXX is meant to perform such transfer integrity checks. This matter flies in the face of my Ally Bank ATM Bank card contract and customer satisfaction. I am requesting your authoritative assistance in resolving this matter.
Consumer complaint received 2024-11-04
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. (AZ)

The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress. 

I am taking legal action regarding these fraudulent entries. You are hereby required to delete and block these items from my consumer report within 4 business days.
Consumer complaint received 2024-03-06
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. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX 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 2022-12-20
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-06-22
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. (MD)

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 XXXX XXXX is 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 2022-11-23
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. (NY)

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (NY)

I filed a combined complaint, dispute and information request letter to XXXX XXXX XXXX with the CFPB. This firm is subject to the FDCPA and according to their website they offer these services. The attorney who responded blatantly made several misrepresentations, failed to provide the facts and was extremely dishonest. Their actions diminishes the public 's confidence in the court system and attorneys at large. 

My formal complaint and reply to this company 's response is attached hereto.
Consumer complaint received 2024-03-06
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. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$20000.00}
Consumer complaint received 2024-03-06
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. (NJ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-21
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. (PA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the 2015 OPM data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (MO)

Equifax is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named PACER, but the address listed on the PACER database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.
Consumer complaint received 2022-12-21
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. (MI)

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (NJ)

On XX/XX/2020 PNC Bank is blocking me from linking my XXXX XXXX. I was always able to link to PNC Bank but today getting a message that PNC Bank is suddenly denying me access to my account through XXXX XXXX  without any warning or Reason.
Consumer complaint received 2024-03-26
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AZ)

I've received multiple daily calls from blocked numbers, for Comenity Bank trying to reach a XXXX XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have informed them that I have held this phone number for 6 years and am not, nor have any relationship to the person they are looking for.
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (FL)

Paid off a settlement offer for a debt to Discover Card, Account # XXXX. They said they would send a letter within 24 hours acknowledging payoff, and never received it. Then said 24-48 hours, then said maybe Tuesday. Need this pay off to be able to credit card process for my business, hurting my business.
Consumer complaint received 2023-03-10
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: OneMain Finance Corporation (OH)

One Main Finacial shows up on my credit report as a hard inquiry on XX/XX/XXXX and XX/XX/XXXX. When I called on XX/XX/XXXX XXXX, They have no recrod of me applying for a loan or credit.
Consumer complaint received 2022-12-20
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. (GA)

XXXX XXXX has placed an erroneous collection on my Transunion credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with XXXX XXXX. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.
Consumer complaint received 2018-04-11
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)

About four weeks ago, I received a call from someone demanding payment of a debt of {$1000.00}. I happen to monitor my finances extremely closely, never fall behind on debt, and have had a credit score over 800 for quite some time.

Never before this call, and never since, have I received any communication whatsoever regarding this debt ( despite the caller having both my mailing address, phone number, and SSN ). The best he could muster was that it was from California ( I've lived in Texas for 10+ years ), and that it was many years old ... possibly from a XXXX or vendor within XXXX ( neither of which have I ever had debt with ). I was certain this was a scam, but continued to question the caller ( I never hung up or cursed ) trying to get information. I insisted that I needed some sort of evidence of a debt, and I needed it in writing. He refused, and eventually hung up himself ( they claim this call was recorded ).

I pretty much blew it off as a scam until all of a sudden my XXXX   alerts me to a 'Collection ' on my credit score. The amount matches that from the call. The report says that this comes from 'XXXX XXXX XXXX '. I have inquired with XXXX XXXX XXXX and have not received a response. Without a doubt ... this is not my debt. I have no idea where this came from, but XXXX XXXX XXXX is refusing to communicate with me at all, and has never provided a single bit of evidence regarding this debt.

I can not have my excellent credit pulled out from under me without any justification and I am hoping to get this cleared up ASAP.

According to XXXX   ...

Date Reported : XX/XX/XXXX & XX/XX/XXXX ( I received two notifications from XXXX ) Collection Agency : XXXX XXXX XXXX Moved to Collection : XX/XX/XXXX& XX/XX/XXXX Balance Amount : {$1000.00} Status : Collection Account Number : XXXX XXXX ( shows the same for both notifications ) Any help will be greatly appreciated.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

American Express does not treat their loyal customers fair. I have been a credit card holder with them since 2019. My bank return payment because no money was in my account. That's my fault. However, instead of just submitting the payment once, AMEX attempts to reissue payment requests two more times. Then they charge me {$29.00} Return Fee. First of all, they should not charge a return fee because it costs them nothing! And, they should stop after the first attempt fails. My other credit card charges no fees for this. I have been a credit card holder of XXXX XXXX less than 6 months and they treat me better than AMEX. They use to be understanding, but not anymore. My opinion, they are all about money and not customer centric! I have grown to hate AMEX. Because they treat their customers horribly! 
I request that they reverse the 3 return fee payments. And, they need to work on being more fair and helpful to their customers! They won't even let you go {$1.00} over your credit limit! 
Thanks. 
Best regards, XXXX XXXX.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (FL)

Mr. Cooper DBA Nationstar LLC had me sign a permission for Credit Reporting Agreement, giving them my signed permission to report my modified mortgage loan to the credit reporting agencies. I returned the signed document to Mr. Cooper via US Mail on XX/XX/2018. I received notification from XXXX, XXXX and XXXX that Mr. Cooper was reporting correctly and the information on my reports will remain unchanged. I have a copy of the credit reporting agreement that was sent to me by Mr. Cooper, to show that I signed the document in the presence of a notary. Mr. Cooper has not returned the signed copy back to me nor have they reported the current mortgage to the credit reporting agencies.
Consumer complaint received 2024-03-26
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple XXXX XXXXXXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-06
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. (NV)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

I filed XXXX separate disputes all for {$500.00} with Citbank back in early XXXX for merchant XXXX XXXX. Citi took barely any notes and 2 months later charged my card. I still strongly disagree with the charges and in early XXXX emailed a ton of attachments to XXXX. I have tried following up numerous times via email and by calling XXXX. No response.
Consumer complaint received 2022-11-23
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$5500.00}
Consumer complaint received 2022-11-30
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$4400.00}
Consumer complaint received 2023-05-26
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( Account Name and Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that 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.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2018-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (NJ)

I borrowed XXXX dollars. Website said click here, funds in account next day. It said click to continue. I did. Then i called and asked about how many payments i must make. I was told XXXX for 5 payments. I said ok and clicked on button to agree. I made 5 payments and called them. They said i must make 20 payments all together and only XXXX dollars from the XXXX went to my principal. This is almost 100 percent interest which is illegal in new jersey