davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (PA)

I disputed a bankruptcy with Experian. They claimed to have verified it though XXXX XXXX. They will not tell me any more information on it. I asked them if they verified it though the courts directly and not a XXXX party. They said no. I then proceeded to ask them to delete this or verify it directly through the courts and they said they dont do that. There for it is illigal to keep this on my report and most be removed but they said that's not how it works. According the FCRA, this can not be verified by a XXXX party and must be directly from the courts. This needs to be removed. They did not conduct a proper investigation.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: WELLS FARGO & COMPANY (CA)

I've been asking to enroll me in overdraft protection and debit overdraft and I was charged for a payment for XXXX and I never got my driver but got charged with it every time I call customer support they only help me half ways and then tell me they can't do nothing about it .....
Consumer complaint received 2018-04-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: eMoneyUSA Holdings, LLC (OH)

I sent them an email on XX/XX/XXXX stating I was revoking my authorization for them to debit any money from account and that I was filing bankruptcy and gave them my attorneys name and phone number. They refused to accept the revocation so I contacted my bank and put a stop payment on it. They have since, sent me emails daily, called daily and texted me. They sent me an email on XX/XX/XXXX.stating " If your account is moved to collections, we will call your cell, work and references daily to collect on this loan. '' " Again, you have 24 hours to keep this from happening. '' I received a voicemail today XX/XX/XXXXthat stated that my account was marked as fraud. This company has violated the Fair Debt Collection Practices Act and I want it to stop. I have attached the email to my complaint. I have informed them numerous times that I am filing bankruptcy and given the information they need yet they continue to harass me.
Consumer complaint received 2023-05-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (AR)

There was {$22000.00} debited from my bank account from Ally, who I have car financed through. I called Ally to dispute this charge and they said it was scheduled on XX/XX/23 for the amount of {$22000.00}. I told them I did NOT authorize this. They told me that I needed to contact my bank and change my password on my Ally app.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TN)

I contacted the creditor in regards to this account that was opened fraudulently. They told me that I needed to file a police report to have the account removed from my credit report. I filed the report and also contacted the credit bureaus to place a fraud alert on my account. When I reached out to Spring Oaks Capital in regards to the matter they said they couldn't remove it because I had disputed it multiple times. I explained to them that I move from XXXX early XXXX and that 90 % of my belongings were left in the house. At some point there was squatters in the house in which I had to have removed with the help of family and friends still residing in the house. This account is the only negative blemish on my credit profile in the last XXXX years. When I asked for proof of this account they sent me an itemized list of charges to the account which clearly show that all the charges were made within a XXXX hour period, which clearly shows signs of fraudulent activity. When I told them that I was in XXXX caring for my mother that was XXXX XXXX XXXX, they asked me for bills in my name from her residence during the time periods I lived in XXXX. My stay in XXXX was not planned and during that time I was not employed there and lived with relatives at my mother 's former residence. When my mother XXXX, I stayed at that residence for another year prior to relocating XXXX in XXXX of XXXX.
Consumer complaint received 2023-01-17
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-21
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. (FL)

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, They have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-16
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. (TX)

I checked my Transunion Credit report on XXXX, It was showing negative pay status by XXXX XXXX XXXX for {$1400.00}, It was transferred from company called XXXX XXXX XXXX XXXX XXXX they claim that on XXXX some one lease XXXX  for {$1400.00} and made one payment of {$63.00} and stop making payment, so they reported to Trans union credit co under my name . I don ; t know any XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don, t lease phone, I contacted both company they giving me runaround, and they don, t help me I have enough income that i can by my own phone. please fix this problem and clear my credit report. 

Thanks.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I voluntarily closed my credit cards was set up with automatic payments through my bank account. They pulled funds and said they werent there and started a XXXX month cascade of late payments. Was told by representative that when you were in program you could not incure any late payments but when I took this information to supervisor she denied this. This goes back over a year ago with making multiple calls to have them fix this to no avail.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX hello again, cfpb! thanks for helping get the recent judgment against XXXX XXXX! perhaps i can now get restitution for their deceit in stealing my property and selling it in foreclosure back on XX/XX/2012. bank of america was servicing the loan for XXXX XXXX, and i was unaware of this until it was too late. i called bank of america, sent in all my loan modification papers ( over and over ) and i was just lied to by bank of america ( on behalf of XXXX XXXX ) continuously. back then, i wrote letters, emails and called so many places to help me fight the fraudulent foreclosure, including cfpb, then secretary of state XXXX XXXX, etc. please see my old cfpb file numbers ( now closed ) of XXXX and XXXX i understand at the time that cfpb could not help me, but now that XXXX XXXX  has been brought to justice, i am hopeful to get my retirement nest egg back ( that was invested into my home that was deceitfully foreclosed upon ). in summary, i have the main letter from bank of america that shows how they were tricking me ... because the letter said that i could not qualify for a loan mod BECAUSE the XXXX mortgage holder would not agree to stay in second place. i called dozens of times to tell bank of america ( working on behalf of XXXX XXXX ), and i sent them a preliminary title report to prove that i did NOTeven half a XXXX mortgage. it didn't matter to them. they were just gaslighting me over and over again, and i had no recourse, no one to stand up for me. bank of americaXXXX XXXX just kept declining me until they could finally take my property from me. please help me get my nest egg back. thanks!
Consumer complaint received 2023-06-16
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. (GA)

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

Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX the XXXX I call transunion because there was a number of unauthorized inquiries on my report I didnt authorize. About 4 of them came from when I went to one car dealer and they ran my credit with multiple lenders without notifying me. The first rep XXXX XXXX I spoke to at transunion was very unprofessional, disrespectful, condescending and dismissive and he should be reprimanded for his behavior. I requested to speak to another representative and was told by her that even though it is clear that all XXXX inquiries were done on the same date I need to contact each lender and get a letter from each. Thats not right I should have to do contact them thats transunion job
Consumer complaint received 2024-03-06
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. (OH)

Requesting all student loans be removed from credit report per 20 USC 1232 ( g ) ( 34 CFR 99 ) ( The Privacy Act of 1974 ( FERPA ) these laws covers all the reasons for removal. Company responded the loans was sold in 2017 so this is a certificate of indebtedness so this most be removed immediately
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. (FL)

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT : XXXX ACCT # XXXX In accordance with the Fair Credit Reporting Act, They have 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 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting the mortgage acct XXXX  that was a XXXX  loan at XX/XX/XXXX open that was transfer over to XXXX XXXX / XXXX who change it to acct # toXXXX XXXX we had two mortgages on the property we refinance in XX/XX/XXXX combining both mortgages now there is only one mortgage on the house being service by XXXX XXXX so XXXX  should be mark close paid in full not open and good standing the other two credit bureaus are reporting correctly I have tried to contact Experian about this an could not get through XXXXand XXXX  is the same loan we refinance XXXX loan # s XXXX and XXXX to one loan thank you 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: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MA)

On XXXX, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was XXXX XXXX XXXX XXXX XXXXnd am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in eligible payments. It seems as though Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. 

Since my initial request for a reinstatement of eligible loan payments, I have only received a reinstatement of {$130.00}, significantly less than my requested payments. I was told that this was because of the closing of several loan accounts held by my previous processor ( XXXX XXXX ) due to eligible payments made. In a response from a previous complaint submitted to CFPB, I was told by an EdFinancial representative that I would need to contact XXXX XXXX. The representative at XXXX redirected me back to EdFinancial for any refund requests, as XXXX XXXX no longer services federal student loans. Yet again, I reached out to EdFinancial for the status of my previous refund requests only to be met with the representative being unable to provide processing times for my request. This request has been processing since the end of XXXX with little to no updates along the way. I am very frustrated with the process of reinstating and refunding my eligible loan payments, as EdFinancial has the list of payments as well as bank statements for proof of payment and I have not been processed.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-06-16
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. (AL)

I have tried on multiple occasions to reach out ; I have sent letters to the credit bureaus to have this address removed from my credit report. It still needs to be done. I am a past victim of identity theft, so incorrect information must not be on my credit report. The address that needs removal is XXXX XXXX XXXX, XXXX, AL XXXX. Please remove this address from my credit report immediately.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Well having to pay a fee for every savings account we open. Why pay the extra money for a savings account. Allowing companies to charge ur card even tho you dont have enough funds to cover it! Charged late fees for overdrawn accounts when you shouldnt charge a count that doesnt have the enough funds to cover it.
Consumer complaint received 2023-06-16
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)

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

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-02-03
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX balance {$62.00}
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. (PA)

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 account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-08-06
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. (NY)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall 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 of receipt.

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 Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.