davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (NM)

In accordance with the Fair Credit Reporting Act Account 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MO)

I received a Wells Fargo Everyday Checking balance sheet, dated XX/XX/2022 I immediately contacted the company via phone number and asked for the fraud department. I told the CSR that I never opened a checking or savings account with Wells Fargo. Apparently, someone wanted to send a bill payment of {$1400.00} to an address in XXXX 
They assured me they would close the accounts and mail me any funds in the account. 
I received another letter dated XX/XX/2022, that after reviewing my account they chose to close it. I asked what happened to the {$1400.00} in a savings account that ended in XXXX? I was transferred to the fraud investigation department and spoke to a CSR named XXXX, who told me that this checking and savings account was set up online using my info, but the {$1400.00} which came from the IRS, so I assumed it was a Federal stimulus check, He confirmed that it was. I asked him where funds were sent, and after further consultation with his superior, he told me, yes, it was a stimulus check, but it had a different name on the direct deposit and was mistakenly deposited in my account. He advised me that funds were sent back to the IRS. When I asked for more info since I had already received my stimulus to my correct bank and I didn't want to be fined by the government. He then advised me that he didn't have anymore info regarding this account. Checking # XXXX
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2020 there is a hard inquiry on my credit report from PayPal. When I reached out to PayPal to look into it the automated system stated that there was an open credit card in my name. I have no history of receiving any type of credit card from Pay Pal and asked them to look into the card and close it as well as remove the hard inquiry from my credit report. The woman stated that she did not see any history of my information in her system and therefore could not remove it. However, the information is on my credit report and I never received any type of Pay Pal credit digitally or via a physical card.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 
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 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
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

The first week of XXXX I logged into the Ally Auto App to pay my bill. I was able to do that, and was then prompted to download the Ally Financial App as they were doing away with the auto app. My information was supposed to transfer seamlessly, and when I logged into the new app with my user name and password all of my auto loan information was supposed to show up. I was able to log in, but none of my loan information was there. It said that I had no open accounts. Now when I attempt to log in I get a message that I am locked out and am prompted to call customer service. 

I called customer serivice and was told to wait 48 hours and try again. I did so, and logged in with same issue. I called customer service several more times after that to either be hung up on, placed on a perpetual hold, transferred back to the main menu, or to wait 48 hours and try again. I called customer service on XX/XX/24, XX/XX/24, XX/XX/24, and XX/XX/24. 

I have had to reach out through social media in order to get someone to actually contact me to try and help. On XX/XX/24 I received a call from XXXX in their executive customer service department, because I had messaged them on XX/XX/24 on XXXX and again on XX/XX/24 through XXXX. On XX/XX/24 I called customer service again. And again on XX/XX/24. 

I tried reaching XXXX in the executive customer service department on XX/XX/24 and left a message. At this point I am over trying to get my situation resolved. No one seems interested in helping. I have made my payments by phone and paid the fee each time in order to do so. 

I just called customer service again this evening ( XX/XX/24 ) to be told to wait on a 2-3 minute hold and at 33 minutes was transferred back to the main menu. I have not been able to access my personal loan information at this point for almost 4 months. This is by far the worst experience I have ever had with a company that has access to my financial information.
Consumer complaint received 2022-04-21
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. (FL)

I obtained a mortgage with a company called XXXX mortgage. My first payment was due on XXXX XXXX .I paid it on XX/XX/2017. 
I made every payment on time and even send XXXX payments per month for about 6 months. The company changed names to XXXX, then XXXX XXXX, then XXXX. They reported to the credit Agencies that I was late numerous times. XXXX fixed this and so did XXXX. Experian also said my first payment was due on XX/XX/XXXX. I gave the Experian every bank statement that showed I was never late and also the copy of the mortgage that says it was due XX/XX/2017. Experian said the mortgage company wouldn't accept this. I do not understand how this can continue. I have since gotten a Heloc from a credit union that paid off the balance of the mortgage. Experian still shows it as unpaid. I have been dealing with this for 5 years and need help with this issue. Please help me!
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

Experian Account ACCOUNT # XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT KEEP REAPPEAR ON MY CREDIT, I FEEL THIS IS BEING DONE ON PURPOSE.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Dynamic Recovery Solutions, LLC (TX)

Wrong credit claim from XXXX XXXX XXXX owner : XXXX XXXX LLCCurrent Account No : XXXXCurrent Balance : $ XXXXThis is fraud claim by XXXX XXXX. The current debe collector is Dynamic Recovery Soltuons, XXXX XXXX XXXX, XXXX, SC XXXX. I file compalint in FTC ( XXXX,XXXX ) they vanish and again come back after few years. This has been going for the last many years.
Consumer complaint received 2016-04-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (OH)

I applied for a loan with Rise Credit on XXXX/XXXX/16 and was denied for the following reason : Fraudulentactivityassociatedwithapplication. 

I called and spoke to a supervisor who was not helpful and was agreeing with the denial reason, there was no false or fraudulent information provided. This either gets resolved or i involve a lawyer with a class action lawsuit for discrimination, falsification, and defamation of character.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-21
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX 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 2022-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

This bank is a joke This is a separate issue than the one reported previously I am told by customer service I need to go to a branch in person they dont know why and the branch says the same thing I received this communication from this bank which is incorrect. The person they previously assigned to resolve my issue has not reach out to me even once. I will see what happenes with this issue.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

To Whom It May Concern : I have repeatedly called Merrill Lynch to ask for funds out of my account and they continually keep telling me " 24-48hours '' and every time I ask them to call me back or keep me updated and they never respond. 

I do have two accounts with them ( XXXX is functioning properly ) however on the account in question, I transferred {$3000.00} on XXXX and as of writing this today XX/XX/21 they have still frozen/locked the money. 

What can I do? Please help, XXXX
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act INQUIRY below has violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 602 A : It also states that a consumer reporting agency can not furnish an INQUIRY without my written instructions.
Consumer complaint received 2022-04-21
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. (FL)

I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, EQUIFAX, XXXX ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, XXXX, TRANSUNION ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.
Consumer complaint received 2022-04-21
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. (GA)

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX XXXX XXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXXXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my instructions.
Consumer complaint received 2016-12-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Radius Global Solutions LLC (NY)

Today I contacted Central Credit Services LLC and informed that the debt in question had been charged off XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I WAS PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX CARD ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX CARD ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was looking into refinancing my mortgage and my mortgage company checked my credit report. This was Authorized. The next morning, I started getting calls, like at this point over XXXX in an hour, from financial companies trying to refinance my loan. This means that some sort of information about why my credit was pulled was sold off to other third parties as some sort of paid alert. This was not authorized. I do not get a choice to have my very personal information in these credit bureau 's but now am I to believe that it is not criminal for these same companies to sell my activity to others with my phone number, name and reason why my credit was pulled? This is something I am told I need to opt out of? NO, I don't opt out, that should be the default. All three companies did this?
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit acceptance for a XXXX XXXX XXXX which I was paying on that was up to date I was charged extra and months that were paid was popping up unpaid. The car was paid off but they stated I still owed XXXX so they reposted. Account number XXXX XXXX XXXX XXXX ( VIN : XXXX ) Std. Monthly Payment : {$490.00} Last Payment Amount : information icon {$480.00} Last Payment Date : information XXXX Contract Start Date : XX/XX/XXXX Initial > {$26000.00} When I put more in I was told I paid XXXX in car but it was more
Consumer complaint received 2022-04-21
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 my account without written instructions.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 my account without written instructions.