davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (VA)

I have a checking account with First Horizon Bank. On XX/XX/2020, {$300.00} was fraudulently withdrawn from account using the debit card. I called, on XX/XX/XXXX, the bank 's customer service to report fraud. They identified the transaction as being fraud. The representative mentioned about receiving an internal email that this company was posting fraud transactions to multiple customer accounts. I was assured a credit would be posted to account. I checked On XX/XX/XXXX and the credit not posted. I called the bank again. The representative said an email was received on Wednesday that all credits should applied. I asked why the credit was not posted and was told they were in process. I asked to speak to a manager, but the representative refused to transfer to manager. After asking to have the call escalated for more information, the rep refused to transfer the call. I asked 3 additional times, then the rep took y phone number and mentioned a manager will call with in 24 hours. I have never received a call. I checked the account balance XX/XX/XXXX, and the credit for the fraudulent transaction still has not posted.
Consumer complaint received 2023-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (FL)

After nearly 4 years of not receiving any contact from XXXX, I am being asked to pay over {$800.00} from a prepaid car rental that dated back to XXXX. As mentioned this was a prepaid service. Once COVID started they harassed me with wanting to pay more after a year had gone by. The appropriate amount was already paid as seen on my credit card statement, which I will attach. From then, I have been receiving many anonymous calls from a company known as Allied Collection Services , Inc . I have asked these callers of ACIS to please mail me any proof regarding what this charge is about and never is there action taken. The company is negligent and unresponsive. Documentation from the caller was never provided and this bill has been directly sent to collections reports. I was able to get it corrected with XXXX back in XXXX, however, now they are pursuing XXXX and XXXX. Not to mention, they have also attempted to sue me and their case has constantly been dismissed. There is nothing supporting their allegations and charges. Therefore, I ask that they stop harassing me and stop pursuing me from fraudulent or misrepresented fees.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (FL)

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
Consumer complaint received 2017-05-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Recently I came across two XXXX Certificates of Deposit ( {$80000.00} ea. ) in the family safe deposit box. I contacted Wells Fargo Bank on XX/XX/XXXX, provided requested information and they opened an Investigative Case, No. XXXX. Wells Fargo has responded to me on several occasions regarding this case with supposition and conjecture but provided nothing regarding the disposition of the CD 's or the funds. All that they have told me is that they keep inadequate records for older CD 's. I have checked Unclaimed Property with the State of California and found nothing. I want Wells Fargo to show me proof for the disposition of these CD 's. I will not accept assumptions or the conjecture that they have thus far provided. I would also like CFPB to stop the unreasonable delays and superfluous correspondence that Wells Fargo has been perpetrating on me in this matter.
Consumer complaint received 2023-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-18
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. (PA)

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 XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 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. 

XXXX Account Number : XXXX Account ID : XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX I Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXXXXXX XXXX XXXX XXXX/ Account Number : XXXX XXXX XXXX  Account Number : XXXX Account ID : XXXX
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america stated that edd closed my edd account as of XX/XX/2020 However EDD was still paying me on the EDd account up until XX/XX/2020 - Bank of america will not speak to me or release my money -
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (CA)

I FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I went to college in   XXXX   for 3 months and was charged over {$15000.00}. I am now  XXXX  and will neverbe able to work again. {$15000.00} is an extremely HIGH amount to be charged for 3 months especially since I returned absolutely everything to the school when I became  XXXX . Please help me.
Consumer complaint received 2023-05-17
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. (GA)

In accordance with the Fair Credit Reporting Act 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 a 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
Consumer complaint received 2020-12-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TN)

This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX  ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.
Consumer complaint received 2023-01-10
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. (AL)

I requested the credit bureau in XX/XX/2022 and XX/XX/2022 to perform a full " Investigation on every piece of information '' on the account listed by XXXX XXXX XXXX XXXX, which is account number XXXX. 

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account is still not reporting 100 % Accurately. And, according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed a few accounts on my credit report for various reasons, I asked XXXX and transunion to do an investigation on these accounts, I waited for them to finish their investigation and they told me that these accounts are accurate. I then asked XXXX  and transunion to provide me with the method of verification, also any documents that they have for each of these accounts. I also asked for the information of each person that they spoke with in regards to these accounts, like their phone numbers, the names of each person and any documents that were given to them.XXXX and transunion decided not to provide me with anything, instead they told me that the accounts are accurate and that they belong to me. Now I am asking for XXXX and transunion to delete each of these account because they did not provide me with the method of verification that I asked for. What these companies are doing with my credit report is illegal because they have not given me anything that proves that what they are saying is true. I dont want to take their word for it, I want proof.
Consumer complaint received 2020-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus have been very negligent and taken longer than 30 days to investigate my original dispute was XX/XX/2020. The information On my credit reports is causing irreparable damage and none of the information has been officially verified. There are unverified names and accounts on my credit reports. I cant get approved for anything, not a car or even an apartment to live in.
Consumer complaint received 2020-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc (FL)

XX/XX/XXXX signed contract to purchase home lending process begins. Most of my paystubs and paperwork were already submitted to lender from previous house that I decided not to close on. Closing date set for XXXX XXXX lender promises to close in 30 days. Paperwork was submitted XXXX XXXX but it takes 3 days to process closing disclosure. Extension submitted. 
The Week of XXXX XXXX ( 2nd close ) Im asked to resubmit my most current paystubs to finalize loan to underwriting to again not have a loan secured as promised. On XX/XX/XXXXXXXX I get a surprise, we need one last thing, Verification of employment- this prolonged my 2nd closing from XXXX XXXX to XXXX. At this point I threatened to leave lender ( commerce ) b/c the seller of house was no longer wanting to work with me to purchase home from time elapsed. Lender begs for another week- no addendums were signed between Me ( buyer ) and seller b/c they are ready to walk and lender is dropping the ball ... No contact no updates until the week of the XXXX when my lender tells me he has submitted my loan to 3 mortgage companies to play hunger games to see who would complete first. 
On XX/XX/XXXX, I left ( problem ) lender Commerce mortgage for XXXX XXXX XXXX to complete my loan. In 8 days I had signed paperwork and guarantee to close on XX/XX/XXXX the only restraint was that Commerce Mortgages needed to transfer lender ID to XXXX XXXX to take over loan submission. 4 days of calling and emails between ( problematic ) lender and supervisor to transfer loan number over. After the chase I received a email that the loan ID was transferred but takes 48/72 hours to complete as my closing date was the next day XXXX XXXX XXXX. 
Last extension to close XXXX XXXX Today is the XXXX and i was just informed the Loan ID was NOT transferred and I was lied to. 
Im heartbroken- this has been a dream I worked toward for 4 years of my life. I broke a lease and Im been living with my parents since XXXX XXXX b/c I was supposed to close on house.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I inherit this mortgaged because both of my parents have passed away.. i had to submit their death certificates several times. then they kept increasing the payment until it almost tripled. i called the bank several times, they would tell me to submit death certificates again. They would transfer me from one person to another. During this time i kept paying mortgage and late fees and know one could tell me why the payment had tripled. Then through my own investigation XXXX property taxes were wrongfully access. Then i was able to get the taxes figured out. XXXX sent the overpayments back to my mortgage account. They didn't give me that money back. The bank took that money and froze my account along with other mortgage payment. i will call the bank and customer service would say they did not recieved those checks from the county. then they had the money and put the house under foreclosure. This has been a nightmare. Today i called in regards to the settlement that came out a couple of weeks ago on the news. I was transfer several times. No one had any information. Then the last person said that they will contact me if they needed to return some money.
Consumer complaint received 2023-02-08
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)

I have been sending in disputes to XXXX and Transunion regarding validating this bankruptcy because I saw inaccuracies and unauthorized public displays on how it was reported on my credit reports. Each time the bureaus sent me back a letter stating that the bankruptcy was validated with no proof of validation. So I did a little investigation myself and I wrote to the bankruptcy court to see if maybe the credit bureaus were not being honest in their methods of validation. They sent me a letter back stating that they do not disclose that type of information to XXXX, XXXX, or Transunion. So technically all XXXX credit bureaus lied to me about the validation even taking place. REPEATEDLY. XXXX is not even reporting it because they know it is a violation. I found this excerpt regarding the following information that is reporting : BANKRUPTCY DOCKET # XXXX According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). The bankruptcy that is listed under DOCKET # XXXX needs to be removed from my XXXX and Transunion credit reports.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Burton Neil & Associates, P.C. (PA)

In   XXXX   XXXX   XXXX    , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector   XXXX   XXXX  , who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  Burton Neil & Associates who claimed to be collecting for "   XXXX   XXXX   ''. Believin g "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with   XXXX   XXXX  . I have made payments for the last 8 months.     Yesterday, I received a letter from  Burton Neil claiming  that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my   XXXX   XXXX   account which showed that at this point the balance is {$4800.00}. I call ed Burton Neil who  claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot of   XXXX   XXXX   's portal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  Burton Neil.
Consumer complaint received 2023-08-18
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. (GA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.