davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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: ALLY FINANCIAL INC. (DE)

I have scheduled an appointment with XXXX XXXX in XXXX XXXX XXXX XXXX to get my XXXX XXXX looked at because of possible transmission issues. I called on XX/XX/2022 to get a status update on my vehicle and there was no answer. I called again and there was no answer. I even left voice messages. On XX/XX/2022 I went online and was able to chat with the other XXXX XXXX company to ask if they were open. XXXX, reached out to the XXXX XXXX location to have someone call me back. Someone called back and said that my vehicle was done and that they would test drive it again and call me for final payment and to pick it up. I received my XXXX back on XX/XX/2022. I notice that there was some noise coming from the front and the back of the vehicle and then I called them on XX/XX/2022 to let them know. They ask me to bring the vehicle back on XX/XX/2022. I told them that it sounds like something was loose still and took it back on XX/XX/2022 XXXX XXXX XXXX  and got it back the same evening and I was told that they tighten everything up and that the manager said that he would drive the vehicle to XXXX to assure me that it was fixed. Then on XX/XX/2022 while in XXXXXXXX XXXX, I smelled antifreeze, and then it poured out literally so I had to get my insurance company to tow the vehicle to my house and then make an appointment to XXXX XXXX for XX/XX/2022. I then had to get another tow to the XXXX dealership. XXXX also called XXXX to let them know about the leak on XXXX XXXX I had to get my coolant lines repaired that connect to the transmission and asked that they tighten everything up, and asked if they could tell me if the transmission was replaced. They said that they really couldn't tell me that unless they took the shell part off but that there is definitely an issue with the transmission and that they had some questions about what was supposed to be done. He told me that I would more than likely be needing a new one. Upon me picking up my vehicle from XXXX, I stopped past XXXX unannounced and asked for my invoice and for him to show me a copy of the receipt where he was supposed to have purchased a refurbished one he couldn't produce the receipt because he didn't have it, and I asked him to take a picture of my old one and send it to me, and he didn't do that either. I have a recorded conversation about this and I used a voice-activated record for proof. So basically I paid for a service that I was not satisfied with because they ripped me off. I presented the documents to both of the credit card companies and one gave me my money back and XXXX denied it for some reason. I am looking for a full XXXX refund.
Consumer complaint received 2021-01-05
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. (GA)

I am been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-12-17
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. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

When my husband and I attempted to apply for a mortgage, I found out that there is a  Sears cr edit card on my credit report. The card was opened on  XXXX / XXXX / XXXX . The amount owed on the card is in excess of {$9000.00} and the last payment was made on  XXXX   XXXX   XXXX . I do not own this card and I did not make that payment.
Consumer complaint received 2022-11-24
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)

My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX XXXX XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. XXXX, TRANSUNION credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit report is reflecting a 30 day late payment when the payment was not late. I've attached a screenshot for confirmation showing a payment was processed in full on XX/XX/XXXX which would've completely covered the balance of the credit card.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (FL)

I know this dispute seems to be a duplication as you say but the reason, I'm address this issue again is because each party failed to resolve my issues. I know my rights when it comes to my credit report, and I have addressed my issues with Experian multiple of times because they won't make the necessary changes to my credit file upon my request and concerns now causing my future endeavors to suffer and be delayed as of now. This can result in a lawsuit. Again, Experian failed to act and to properly comprehend upon my pervious request, I requested the deletion of XXXX accounts on my consumer credit profile for privacy propose. This dispute is based upon my privacy not accuracy I have the right by Law to choose what I want to report on my credit file and what I choose not to share on my credit file for privacy proposes, 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 Names : XXXX XXXX XXXX XXXX Account Number : XXXX Complaint : Has Violated My Rights Account Names : XXXX XXXX Account Number : XXXX Complaint : Has Violated My Rights Account 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 2022-11-14
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. (MD)

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 and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to 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 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 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 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 2021-01-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (AL)

I have an auto loan with Ally Financial , Inc. 

My account was set up for an automatic payment. That payment was attempted on XX/XX/XXXX and was unsuccessful. 

I transferred money into that bank account, went to the Ally webpage and executed a " one-time '' payment of {$750.00} on XX/XX/XXXX. 

That payment was successfully processed and the money left my bank account. 

Ally attempted to extract {$750.00} again on XX/XX/XXXX despite having already been paid. That transaction was returned for insufficient funds as I had already paid the car note on XXXX XXXX. XXXX charged me two separate fees of {$29.00} for two failed transactions. 

For some reason, the payment that left my account on XX/XX/XXXX has not been credited to my account. I called Ally and spoke with customer service on XX/XX/XXXX and was unable to resolve the matter with Ally ( please refer to their recording of the conversation ). 

I called my bank, XXXX on XX/XX/XXXX after speaking with Ally and initiated a dispute. XXXX verified {$750.00} left my account on XX/XX/XXXX and went to Ally. XXXX returned the two charges of {$29.00} for insufficient funds and was to provide Ally with proof the payment left my account. I had XXXX put a stop on Ally to prevent them from executing any additional attempts at automated withdrawals and I went to the Ally webpage and turned off my automated payment. 

Ally called me yesterday, XX/XX/XXXX, and asked me to make an overdue payment ( please refer to their recording of the call ). I again explained the circumstances. The Ally representative asked that I upload a screen capture of my bank account and that image is attached to this message. 

I uploaded the screenshot showing the successful payment from my bank to Ally and attached it to an email I sent them via their customer webpage. 

The facts are I paid Ally {$750.00} on XX/XX/XXXX. XXXX bank verified that money left my account and went to Ally. Despite this, Ally failed to properly credit my account and continued to attempt payment withdrawals from my bank account, charged me late fees initiated adverse credit reporting. 

This is a failure on Ally 's end. I executed a payment and that money left my account and went to Ally and Ally failed to properly credit my account. 

I have attached a screen capture of my bank account with XXXX showing the payment to Ally being successfully processed on XX/XX/2020 and a capture of my bank statement also showing the payment to Ally being successfully processed on XX/XX/2020.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I reached out to XXXX  to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit file.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-07-07
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. (IN)

I submitted numerous disputes over the period of more than 180 days concerning inaccurate information on my credit reports. I never received notification from the credit bureaus that my disputes were even looked at.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo 's refusal to reverse fraudulent wire transfer in the amount of {$19000.00}. They acknowleded the fraud by reversing XXXX other transfers from credit card, savings account, and 1 wire transfer. They are refusing to reverse the {$19000.00} and have been denied 3 times so far so far by thier fraud department. Please see all the info on attached docs.
Consumer complaint received 2021-01-05
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)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (IL)

On XX/XX/2021 I WIRED Transferred {$100.00} from XXXX XXXX XXXX account to Regions Bank Account # XXXX. The same day it arrived the bank stole it.
Consumer complaint received 2024-03-25
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. (IL)

I sent a letter last XX/XX/XXXX to remove all listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete all items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Early Warning Services, LLC (CA)

I had applied for a job with a XXXX XXXX company, I was told I had to deposit a check for {$4600.00} and then withdraw {$4000.00} to send to the " regional manager ''. The check turned out to be fake and I had to pay my bank back the money even though it somehow cleared even though it was a fake check. Then the bank closed my account and told me it was not their problem and put the fraudulent activity on my credit history so now I'm not able to open a bank account anywhere else. Im sorry for what happen because I didn't do it on purpose and I paid back the money even though I feel like my bank could have done more for me but they didn't. Now I just want them to take off the fraudulent activity from my credit history because now I can't bank anywhere and I won't be able to buy a home
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX 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 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 2023-03-28
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
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. (CA)

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. 

Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. 

In the event that you persist in declining my position, I am prepared to take legal action by contacting my attorney to pursue a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the letter of the law. Please have these accounts removed from my records. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX