davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NC)

My 2 checking accounts were closed on XX/XX/XXXX  unexpectedly. The letter I received from the bank simply stated they had the right to do so per their agreement. Not that I committed crimes, fraud or any illegal activity. That same day the account was re opened, without my communication or permission. They had already withdrawn my money and disbursed it that day per the transaction history. 

XX/XX/XXXX the checking account was still open and a transaction was processed. 

Ally was also in the midst of purchasing XXXX XXXX which I had an account with. When I went online just now XX/XX/XXXX  to merge the account, I noticed Ally gave me my same credentials I was using when I banked with them. I was not given new credentials for connecting my credit account they purchased. When I logged in using my old credentials, I noticed they still had my checking accounts tied to the log in and showed a negative balance in the checking account that was supposed to be closed XX/XX/2023. 

I am on the phone with them now, and despite them closing my bank account on XX/XX/XXXX with the email proof attached, they are refusing to return the charges and shut the account down.
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I was driving for XXXX and picked up a passenger. The passenger asked to use my phone to contact a friend to correct the address destination. The passenger refused to return my phone. Within a period of less than 10 minutes the passenger had broken into my phones Bank of America app. Between XXXX transfer and XXXX they transferred {$2100.00} into their bank accounts. After realizing what had happened I immediately called Bank Of America and filed a fraud report on these two transactions. They had advised me that the XXXX charge would be back in my account in a few days and It was returned. However, the XXXX transfer ( boa 's main way to transfer funds ) could take up to 45 days to return into my account. I waited for the 45 days only to receive a rejected claim. So I called back and they said my claim was processed wrong and they would process it again and the funds should return to my account in 10 days. Then 10 days later my claim once again was rejected. I had filed a police report on XX/XX/2020 for two felony charges. I was advised by the bank to file a police report to speed up the process with no luck. My own bank could not protect my money even with thumb print security protection on my iphone and a password system.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX 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
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My initial request for mortgage assistance through Well Fargo began in XX/XX/XXXX. I became unemployed in XXXX of that year but I had enough savings to maintain my payments. I began reaching out to the Home Preservation program I was assigned a representative. However, calls to said rep went unreturned, and I began falling behind on my payments. I was left to believe that I would not receive any assistance to help me avoid foreclosure. I sought the assistance of the KeepYour Home California program. Upon qualifying for the payment assistance program some payments were made to Wells Fargo on my behalf. The application process took several months before it made the first payment to Wells Fargo. The Keep Your home program began making payments in XXXX. Wells listed several programs and I was denied access to them all. I initially filed XXXX XXXX in XX/XX/XXXX to avoid foreclosure. I believe that if Wells Fargo would have offered me any of the programs they advertised the forbearance program, a reinstatement program, or a loan refinance program the equity value at that time was greater than the balance of the loan. Had I been allowed access to any of these programs I would have been able to avoid the expenses associated with a XXXX XXXXXXXX filing. I do believe I deserve some relief for all the anguish they have caused my family and myself.
Consumer complaint received 2020-04-15
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. (MO)

My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MI)

On or around XX/XX/2022, Binance US restricted my account. No reason was given for the restriction. Case # XXXX ; ID XXXX. I want to withdraw my remaining portfolio balance of XXXX XXXX but can't due to the restriction. Binance will not provide a date when their review will be completed. Binance has been reviewing this issue for over XXXX weeks now.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Both Transunion and XXXX  are reporting incorrectly that my credit utilization is 54 %. It has never been over 10 %, a fact confirmed by the sole creditor on my record. 

TransUnion refused to help me, with their agents repeatedly telling me that they couldn't do anything and that it was my fault because they don't make mistakes. I spoke to the supervisor, a man named " XXXX '', who again blamed me and my bank and told me they wouldn't help me. When I mentioned that the FCRA requires them to fix inaccurate information in a timely manner, he hung up on me. 

I have been unable to contact XXXX, despite several phone calls. They have also refused to remove a hard inquiry, that never happened from my record. XXXX XXXX XXXX XXXX  has verified that the inquiry never happened and is falsified. It also never appeared on the TransUnion report, because it never occurred in the first place. 

My creditor, XXXX  XXXX XXXX, has said it is on the reporting companies to correct their mistakes, as XXXX  has provided accurate information, of which I was provided a copy.
Consumer complaint received 2020-04-15
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2020-04-15
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2020-04-15
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. (DC)

Experian REFUSES to delete a fraudulent XXXX XXXX Credit Account from 2017 that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Experian deleted the collection account associated with this fraudulent account, they refuse to use the same LOGIC and remove the actual account. I have provided direct correspondence from XXXX and XXXX that shows their investigation was concluded and was found in my favor, Experian ignored this and instead refuses to delete!
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (DC)

I was contacted by this company 2 weeks ago. They demanded my address before proceeding to tell me why they called. I declined. To my knowledge I have no past due debts without resolution. They declined so I asked that they send me something in writing and to not call me. I received another call last week XXXX from them again. They again asked for my address which I declined. I was then hung up on and was told it was because I refuse to pay. I called back and advised that rep I want no more calls and to send me something in writing. I demanded that someone tell me what this is about and I was hung up on again by a manager XXXX. I got a 3rd manager XXXX and was told I wasnt hung up on they disconnected the call which is a big difference. I advised there is no difference. He then said that I identified myself in the past- which was a lie and I told him that. He then said they could verify me with my date of birth or last 4 of social. I said I have no problem verifying that, but Im not giving my location to a stranger. He then said they dont have my date of birth or social to use to verify. I then explained that is concerning as I have had fraud happen so to not have this info is strange and could mean fraud. I asked that they send me something in writing and he said they will not be doing that since they did it already. I asked that they not contact me anymore and hung up.
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

Ive sent debt verification letter for collection. XX/XX/2020. This company lied said they did not receive letter in a recent complaint sent to CFPB. I have tracking info saying otherwise. I have not received anything and have not spoke with them at all.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

The politically, recklessly and knowingly '' closing HSBCs direct Deposit Acct ends in XXXX ( bankcard ends in XXXX ) and Acct ends in XXXX ( bankcard ends in XXXX )
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (FL)

I moved to Florida from Massachusetts in XXXX. Sometime in XXXX I couldnt find my card and ordered a new one, it arrived and I activated it ( or so I thought ) then I received a letter that it was blocks due to recent activity. The balsnce is {$0.00} so it wasnt a charge. They needed a photo id. So I sent them a good copy ( it was the second copy because the first wasnt clear enough to me ). I waited about 10 days and called, they say they didnt get it and I could fax it. I sent the fax and waited a couple days. When I called they said they received the fax and my acct would be fixed within 2 weeks. Now its 2 weeks later actually XX/XX/22 and I called. Now after being run around they say they got both the mail and the fax but couldnt read the issue and expiration dates. I noted that they must be XXXX because I know for a fact the mailed copy was crystal clear. So now Ive just sent out another enlarged photo. Its been about 2 months on this. Is there anything that can be done to these companies? Like I told the woman, Ive done everything theyve asked, I get their letters, I sent a fax, and Im calling from the phone number on file, these are low limit cards, if I was trying to defraud them I would have given up by now! why is this such a hassle and she couldnt answer me. The card company is destiny through XXXX credit
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

In regards to record # XXXX. This is a complaint I initiated but the system requiring supporting documentation is giving me an error ( a very common issue with Equifax items when reporting mysterious inaccuracies ) This has been occurring for over a year to no avail.
Consumer complaint received 2020-04-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

As of XX/XX/2020 there are two XXXX XXXX charge offs appearing on my credit reports. On XX/XX/2020 I was sent a update on my credit report stating these two accounts were removed, which I do have the proof of removal. For some reason as of today you all have deemed to put those creditors back on my report.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX inquiry XXXX XXXX, XXXX did not authorize XXXX inquiries XXXX XXXX, XXXX and XXXX XXXX, XXXX did not authorize Cap XXXX inquiries XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX did not authorize Ccb/ppc inquiry XXXX XXXX, XXXX did not authorize XXXX XXXX - XXXX XXXX, XXXX inquiry was not authorized XXXX XXXX XXXX XXXX, XXXX did not authorize
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

We hold our current FHA mortgage with XXXX XXXX XXXX. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called XXXX XXXX XXXX  to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XX/XX/XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. XXXX stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by XXXX, and on XX/XX/XXXX XXXX   investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold XXXX to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 
Attached : payment confirmation on the XX/XX/XXXX Confirmation of increased credit score when XXXX  removed the 30 day late payment. Letter to credit bureaus.
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (TX)

We leased a XXXX XXXX through XXXX. The car was involved in an accident on XX/XX/24 and was a total loss. XXXX placed a lien on the total settlement instead of providing a ledger with specific amounts owed. Our lease clearly states that if the settlement is greater than the amount owed we receive the credit.
Consumer complaint received 2023-01-06
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. (CA)

Und

er 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX reporting payments incorrect on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Payments were NEVER late on this account. 

XXXX XXXX XXXX reporting payments incorrect on XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Payments were NEVER late on this account. 

These inquires WERE NOT authorized by me and need to removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Received defective products with XXXX. Notified XXXX. Issue should have been resolved. Junk Debt buyer purchased debt for XXXX cents on the dollar and never provided validation of debt which is required under FDCPA. This is a right as notice of consumer is required. Invaded credit report and tarnished credit
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

Discover sent me a forward XXXX form to fill out and I call them. 
On the phone it came from Discover Credit Card and I ask them this seems funny. 
Also there was no return address from the sender. 

Discover start calling me from a XXXX area code but it was a direct number in which some one was asking me over the claiming to be from discover. 


Name, age, address XXXX Discover started harassing me over the XXXX form daily. 

Discover also has not sent me statement after all this started. 

XXXX I have no dealings with them after all there Breaches and fraud committed on consumers. 

I call Discover they was very rude on the phone and I been getting the run around about my account and a mail statement. 


Since day one of this credit card I was receiving statements I always paid this account on time now all sudden my account is all mess up due to this XXXX mess by discover. 

Discover has no reason calling me asking me info of all my info address phone number full social security number date of birth verbal on the phone. 


always calling out of XXXX az rude talking crazy. 


I have also consulted an attorney to Discover harassing me and all happen.
Consumer complaint received 2020-06-14
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: Experian Information Solutions Inc. (GA)

There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.