davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-16
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. (IL)

I have attempted to get several fraudulent accounts removed or blocked from my credit report.I have included the police report and they refuse to remove or block these items. The following accounts are accounts that are fraudulent/idenity theft and should be blocked XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XXXX  XXXX, XXXX Credit Limit {$2700.00} {$2000.00} Credit Card XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3100.00}
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

They closed my account saying they couldnt verify personal information. I dont know what it was but I think it was something to do with the 4506-c form. I signed it but I dont know what information couldnt be verified i would gladly verify as I want my discover credit account reopened.
Consumer complaint received 2021-08-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (MO)

I XXXX XXXX, entered into a consumer credit transaction with UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a INSTACREDIT AUTOMART on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a/ INSTACREDIT AUTOMART in fact took cash. The finance charge is supposed to include insurance, but UCA, INC d/b/a INSTACREDIT AUTOMART made me purchase insurance separately. UCA, INC. d/b/a INSTACREDIT AUTOMART did not present me with a Right of Rescission in this consumer credit transaction which is a violation of 15 USC 1635. Upon violating my rights as a consumer under Truth & Lending Act, this same company also committed fraud under the FDCPA. These FDCPA violations include invading my privacy, used profane and obscene language, damaged my reputation as a consumer, used unfair and unconscionable means to collect the alleged debt, furnished misleading and deceptive forms, and has caused a tremendous amount of actual damages behind these fraud acts.
Consumer complaint received 2021-08-13
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. (TX)

On XXXX I reached out to all 3 credit bureaus asking them to validate accounts on my credit report that were inaccurate. 

XXXX I sent a letter to Equifax asking for an account to be removed that is not mine and received no response. 

XXXX I asked all 3 bureaus ( Equifax , XXXX  , and XXXX  ) to remove accounts that are inaccurately reporting on my credit report, and received no response. 

I need this investigated as soon as possible. I am reaching out to the bureaus with no response and no action being taken on my credit report.
Consumer complaint received 2021-07-29
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. (NY)

Hello my name is XXXX XXXX. I recently checked my credit report and was able to see a bunch of fraudulent actions taken in my name. I saw numerous fraudulent accounts as well as inquiries on my credit report. This is frustrating because I never attempted to get any lines of credit with these companies, and now this fraud is hurting my credit score. I am very frustrated at the fact that I have tried to resolve this many times. I will place the items I want removed below along with an FTC report and proof of ID.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On Sunday XX/XX/XXXX I attempted to transfer money from my savings account to my checking. I accidentally transferred from checking to savings. I didnt receive any money into my savings account but it put me {$270.00} in the negatives. Intstead of canceling the transaction the employee pulled the money out of my savings account which put me down {$200.00}. I feel I am owed my {$200.00} as if I wouldnt have accidentally pulled from checking it wouldve been a positive amount. If this is not resolved I will be taking the bank to small claims court and will be closing my account
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AL)

I've tried to dispute this once they refused. I have no idea what this debt is from they say I had a car I believe just on the phone yesterday. I've told this company multiple times this isn't me and they still call and harass me for money I don't owe them. I've been treated unfairly for the last few years and over paid thousands in interest due to this account being in collections. 

Collection company is NCB MANAGMENT SERVICES I've never once accepted ownership of this debt always told them this wasnt my own doing and they still continue to leave this collection marketed against my credit report.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I had a lease from Nissan-Infiniti starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to Nissan and they verify that my account is payed off and close. But the credit report company got different info.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I attempted to make a zelle payment transfer out of my account which was blocked and I called them they fixed and told me to try it again upon my second attempt it blocked it again. Now I repeated the process and called them got to hold lifted and tried again. But with no fail it blocked it again now this is probably the seventh time that day that the account was blocked due to a transaction and every time I called in immediately to get it lifted I don't know why was so hard. Then they needed a phone number that I can use for verification that was registered to me and I gave him a number which I used every time I had to call them then it just stopped working they weren't allowed to use it now today XX/XX/2021 the phone number did work again but they tell me the only way I can get my account opened or access to it is to go to a local branch I live in XXXX Ohio the nearest one is in Illinois or Washington DC somewhere I do not live in California no more which is where I opened it I've offered him every type of information I can to verify my identity my social my birthday my address telephone number account number debit card number pin number and that is not enough apparently all I want is access to my account and the drain the funds and call it a day
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

AS OF XXXX I KNEW A PAY CUT WAS COMING, WENT FROM SALARY TO Route BASE PAY, I CALLED MY Mortgage BANK THEN, AAKED FOR HELP, THEY SENT ME FORMS TO FILL OUT WHICH TOOK 15 DAYS TO RECEIVE NOT 10 LIKE THEY SAID. THE FIST NEVER ARRIVED I HAD TO START PROCESS OVER, WHICH TOOK ANOTHER 15DAYS TO ARRIVE THAT'S ONE MONTH, NOW XXXX I CAUGHT ON TO WHY MY PAYMENT WENT SO HIGH, I WAS BEING OVER CHARGED {$860.00} ON THE ESCROW AND INSURANCE. I HAVE REACHED OIT TO THEM AGAIN TO AT XXXX START PAYMENT BUT THEY WANT FULL AMOUNT FROM XXXX TO XXXX SEEMS LINE THEY WANT TO FORCE FORECLOSURE
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

To Equifax Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-07-28
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: Experian Information Solutions Inc. (FL)

Experian Our credit bureau that holds the key to everything says I have two files one with the last name XXXX which I have never been married but it was a alias on my credit report also They have the wrong phone numbers for companies that they are displaying as inquiries on my report Ive sent them my ID and my social and identity theft report and they refused to take XXXX off of my account which XXXX  told me in XXXX XXXX XXXX XXXX There was another name using my social and that was a medical bill experience is absolutely insane I pay for credit monitoring and I dont even get the right services they send me alerts and they dont even know where they come from and they continue to keep things on my report that are not mine
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (DC)

I was lost my job due to the pandemic I called Citibank immediately letting them know I lost my job but got another job. Due to the gap in pay periods before the break job started I notified Citi I needed my payment date to be extended. The representative assured me that there would no penalty and allowed me To skip a payment. I made a payment by scheduling it with her. When the date came for the automatic payment I noticed it wasnt showing on my citi app but there was a banner that asked if I had difficulty paying to lol at payment options. I clicked the banner and scheduled the oayment Im a week. 
I now have a job Im able to pay my balances off. I work for the XXXX XXXX and I have a security clearance I can lose my security clearance over negative credit reports. I have never been late before and citi lied and misrepresented themselves. They have also lowered my credit limit even though i have made large payments to other credit cards to lower my utilization. With the reported late payment and lowered credit limit my score lowered by 70 points and its not fair. I can lose my clearance
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp. (FL)

I bought the car from dealer and the car had some issues, I was promised that they will take care of it and months go by no action ever taken. I called them to pick up the car because it was getting worst after three weeks they pick up the car and when I went to talk the dealer they wanted me to pay for a car that they have and already sold to somebody else and I told them I'm not doing that I thought they were fixing it so i can have a reliable transportation instead they sent me to the credit bureau. I tried to get it resolved with the dealer and the dealer is no longer in business.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (SC)

I got my prepaidDiscover card on XXXX and activated it on XXXX. I put up {$200.00} and never used the card. I got an email from them on XXXX that my count had been closed because they were unable to verify some info but there was no mention about how I would get my {$200.00} back, and that's all I want from them.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

Security credit Services Original Creditor : XXXX XXXX Amount ; {$1800.00} Date XXXX XXXX/Experian
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

HI I sent a international wire transfer of {$10000.00} from wells fargo i paid {$30.00} as a contract service for wells fargo to send the money into euros. After a month of hearing nothing i recieved a credit of {$9200.00}!! I then recieved a letter saying " due to extraordinary circumstances although the wire transfer was sent correctly without error but had to be returned '' They said due to currency fluctuation and charges i received charges and costs of {$730.00}!!!!! I called straight away and demanded a full refund and explanation. 

The next letter i recieved said missing account information!!!!! So i emailed and called continually asking what specific account information is missing?? They declined to answer stating they dont know. I have wasted hours of my life debating and trying to hget my money back i paid for a service that wells fargo did not complete i want them to specifcally say what account information is missing. This would contradict there letter stating that all info was correct and wire sent succsesfully. This means wells fargo have not asked for all the information needed to make a succesful wire transfer as all online forms were complete and correct. I need to send multiple transfers to the same bank account what happens on the next wire transfer.I will not let this go Wells fargo should know what missing account details were missing its a online system that was correct you can not procedd if not correct and wells fargo admitted in writing it was correct so why change the story on the second letter. This incriminates them also as if wells fargo as the big financial institution they are did not request all the info then there service failed a paid service a contract i entered when buying there service of {$30.00} to transfer money. I am demmanding a exact explanation the description of the exact info missing as all was sent there is something really suspicious about this and i will not rest. Also food for thought if the currency exchange went in my favour are they saying they would of returned {$10000.00} if the fluxation went in my favour. Casing point if i transfer more money tommorow with all the correct details this transfer has been made many times before what will happen
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

XXXX  XXXX  XXXX  Original Creditor : XXXX XXXX Amount ; {$1800.00} Date Opened:XX/XX/XXXX Transunion/XXXX
Consumer complaint received 2023-07-30
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: EQUIFAX, INC. (CA)

On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both XXXX XXXX and Equifax so initially the next morning I called XXXX XXXX and Equifax and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact XXXX  XXXX so thats what I did. I contacted XXXX XXXX and XXXX XXXX said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to XXXX XXXX and Equifax disputing this because theres nothing on file saying that you apply for credit I then contacted Equifax and XXXX XXXX once again on that same call and had the XXXX  XXXX representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the XXXX  XXXX agent, and at the end of everything I was told that the XXXX  XXXX agent had to get off of the phone because they cant do conferences at XXXX. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which XXXX XXXX could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.
Consumer complaint received 2021-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My information was hacked. Someone tried to open a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. Fortunately an account wasn't opened but caused a dropped in my credit report along with an inquiry which does hurt my credit. I would like to get this removed from all of my credit reports : XXXX, Transunion, XXXX
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Upgrade, Inc. (CA)

Upgrade Card. Bitcoin sale from rewards XXXX. 

Transaction ID : XXXX Transaction Date : XX/XX/XXXX Net Sale Proceeds {$78.00} Transaction ID : XXXX Transaction Date : XX/XX/XXXX Net Sale Proceeds {$42.00} Never received funds. 
They said funds were deposited into my XXXX account. No occuance in that time range. 
Customer service said too much time has elapsed. 

The points never expired, its the trasnfer of funds were appropriate,
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  XXXX, has violated my rights In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX 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.