davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I wired {$490000.00} to a clients account at Bank of America in XXXX XXXX, Texas on XX/XX/XXXX. The Wire should have been {$98000.00}. My bank recalled the wire as soon as we found the error same day and Bank of America will not return it and said it may take several days. The funds came out of a Title Company Escrow Account and went to XXXX Routing Number XXXX for credit to Account # XXXX. It was a Fed Wire and not an ACH. 

The Client has also ask them to send the funds back or let her wire back the overage and they told her they could not do that, That my bank had to recall it which we did but they still will not release the funds. 

My Bank if the XXXX XXXX XXXX  in XXXX XXXX Texas with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2020-03-26
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. (TX)

I disputed a negative account. Experian doing nothing about this fake account. This account keeps going on my credit. I have disputed this account off of my credit before with Experian. I believe they are not investigating at all because its coming up with negative results to fast.
Consumer complaint received 2020-03-26
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: FIRST HORIZON BANK (TN)

I am trying to buy a new house. The lender pulled my credit report and I am listed as an authorized user on a first horizons credit line for XXXX. I was never aware of this or authorized this in anyway. First horizons will not tell me whos account it is and its hurting credit and hurting my chances for buying the house we want. They did say it was reported to their identity theft department but it can take up to 30 days. I dont have 30 days.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Account # XXXX XXXX XXXX XXXX Amount : {$500.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. This inaccurate information reporting to my credit report is a direct violation of my consumer rights. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Consumer complaint received 2020-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Hello on XX/XX/XXXX I called aes because they keep charging me late fees for a loan that they automatically take out my account. They told me that's it's from a payment from XXXX that I missed. I told them that I changed bank accounts back then and to charge my other account and they said they did but kept charging my closed account. They keep charging me late fees and will not allow me to use my bank account nor my card to pay it off because they have something against using XXXX XXXX bank cards. They said that they can only take payments through the mail. I mailed them something once before and it got lost in the mailing system and returned to me a month later. I'm not trusting the mailing system too well. I would like someone to help me get this settled so I can stop getting charged late fees and they keep reporting that I'm delinquent on my credit report as well. I understand that there was a misunderstanding in the past. That now everything is good and regular payments are coming out of my XXXX XXXX account. Why do they still keep charging me late fees and say I still have an outstanding balance, also why can't they automatically take it out like they do my other student loans and why cant they accept my one time payment from my XXXX   XXXX account? They keep sending me in circles. I just want to pay it and get it over with. I dont understand how a company doesn't want to get paid when someone offers to pay them. It shouldn't matter if there was confusion about the bank accounts in the past and should give someone a chance to pay it off not using the mailing system.
Consumer complaint received 2020-04-04
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: BBVA FINANCIAL CORPORATION (CA)

My name is XXXX XXXX BBVA USA/Compass Bank credit card # XXXX This is response to BBVA 's response : XXXX My payment was postmarked on XX/XX/XXXX ; payment due XX/XX/XXXX ; payment was posted on XX/XX/XXXX, they stated they received the payment on XX/XX/XXXX *** BBVA stated payment must be received by the due day ... .and suggested cardholder pay EARLIER in order the payment can be received by the due day ... 
*** What happened if the payment LOST in the mail even payment was sent out EARLIER enough? Is it card holder 's responsibility? What happened if BBVA did not post the payment on time ( on purpose? ) even they received the payment on time? Of course, is it cardholder 's responsibility? 
*** Is this BBVA 's revenue creating tool? 

We are all paying tax to IRS, due day XXXX, on the XXXX, you see a lot of tax payers stayed in line to send out the tax through USPS facilities, they are getting a USPS postmarked receipt. IRS, of course will not receive the tax payment ON THE DUE DAY, XXXX, even the payment LOST in the mail, IRS will not consider tax payer was late in the tax payment because tax payers have USPS postmarked receipt! 

I am a retired company XXXX, XXXX or XXXX XXXX. 

BBVA, please make the profits the way people respected
Consumer complaint received 2022-12-28
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX & XXXX, XXXX XXXX XXXX Acct # 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.Evidence provided below with violations
Consumer complaint received 2020-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I previously filed a complaint against Transunion and XXXX   due to an account being on my credit report that did not belong to me. I have sent documentation time and time again proving that the account from XXXX did not belong to me. XXXX   and XXXX have removed the following accounts, yet Transunion has NOT! This needs to be removed immediately as it is affecting my credit score, especially during this Coronavirus insanity. Thank you!
Consumer complaint received 2020-04-04
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. (PA)

XXXX  XXXX  has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX  is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.
Consumer complaint received 2020-04-04
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. (PA)

XXXX  XXXX has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX   is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.
Consumer complaint received 2022-12-28
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. (LA)

In accordance with the Fair Credit Reporting act 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 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Accordin

g to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any
information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2020-04-05
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. (GA)

I have tried to get my old information removed to it being over the time limit to stay on my report. This is the only thing from holding me up on getting a home loan. I have tried on several occasions to have it removed with no success. The account number is XXXX
Consumer complaint received 2022-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted transunion, XXXX and XXXX and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.
Consumer complaint received 2022-11-05
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. (MO)

Transunion and XXXX XXXX/ XXXX XXXX have REPEATEDLY removed and reinserted inaccurate information about the Self Visa Credit Card account. Transunion is very arrogant about it. On XXXX I petitioned the XXXX XXXX XXXX XXXX to file suit against Transunion. I sent notice to Transunion. I did not, however, file suit against XXXX XXXX XXXX XXXX XXXX they sent me documentation that they were trying to get it removed. But this has been a sham of epic proportions. Because Transunion keeps getting the late payment verified as accurate. At this point I want justice. I will be suing XXXX XXXX XXXX XXXX Bank as well. I have tried for months to avoid this scenario. It was for nothing. These companies don't respect us as people despite the fact that they only exist because they sell human information. Imagine depending on someone for survival and convincing that same person that you depend on that they are merely in your way.
Consumer complaint received 2020-03-26
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit report.
Consumer complaint received 2020-03-26
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. (NJ)

There is a Hard Inquiry on my credit report of Experian with the name of XXXX XXXX XXXX  ( see attachtment ), I have tried to dispute this with Experian and also XXXX  but both company denied to help me in this. 
I do not have any credit card or account with this company.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX has announced a COVID program and apparently given no guidance to mortgage servicers [ Wells Fargo in my case ] XXXX XXXX XXXX own website talks about forbearance and does not define it. 

eg are skipped payments added to the end of the loan? 

are they due at the end of the forbearance period? 

will I be forced to refinance/loan mod? 

Is interest still accruing? 

will servicers use this as an opportunity to assess fees on top of a balloon at the end of the deferral period? 


Please encourage mortgage servicers/XXXX XXXX to clarify what they are offering!! and pressure servicers to give real information to borrowers
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I was not done with the pics to upload. XXXX XXXX did send me the title and look at the date, it was 2nd week of XXXX that I paid it off and got my title. Experian did not bother to change based on info from XXXX XXXX. Experian has the date that still has old acct in Experian s system. But it is paid off.

And when I wanted to dispute with Experian, they again could not let me to dispute thru online but to call. 

Another, I use XXXX. Experian accused me for not making any payments. Uh?! I no longer use XXXX starting in XXXX! It is thru autopay.
Consumer complaint received 2020-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I found my credit score had dropped over 100 points for no reason. I checked my credit score and found a collection debt for {$620.00} that is not mine. The company falsely reporting this debt is called Sequium Asset Solutions on behalf of XXXX XXXX XXXX. Please investigate these companies for making false reports to the credit bureaus.
Consumer complaint received 2020-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2021-03-12
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)

Hi, i have numerous inquiries account that are unauthorized and need to be removed from my credit report from the major credit bureaus immediately. I tried to consult this with the original creditors with customer service, but nothing change. I tried to dispute inquires with all three major credit bureaus (XX/XX/XXXX XX/XX/XXXX and Equifax ) nothing has changed. I am now taking extra measures with FTC and CFPB. 

I recently check my credit report and all unauthorized inquires are still there. Please remove the following inquires : XX/XX/XXXX: ( XXXX XXXX OF : Inquired on XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX : Inquired on XXXX XXXX, XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX ). 



Equifax : ( XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XXXX XXXX, XXXX ). 


XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX ).
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

I signed up for Care Credit 's credit card. All the correct information was provided on the application form. I was approved, my medical bill was paid by Care Credit, and they accepted payments to lower my balance. For the sake of convenience, I tried signing up for the mobile app. I was unable to. I reached out to Care Credit and they informed me that there was a fraud lock on my account. I dont know why when all the information provided was correct. They sent me out a form to fill out and return to them. This was done twice. Both times the information was correct, but I was told that the information was incorrect and that the from was altered. They would not tell me what was incorrect or how the form was altered either time. I asked if I could confirm my information with a specialist over the phone, online or through the app. They said the only option was to be mailed a form and have it filled out and sent back. I've applied with other companies and this is a very iritating and archaic process that Care Credit is making me go through. The initial application was correct, and there was no reason for a fraud lock. I verified my information correctly, twice, and yet they will not remove the fraud lock on my account.
Consumer complaint received 2020-04-05
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)

XXXX, TRANSUNION AND XXXX  ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX I
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I was a Discover customer for 8 years and used to love them. My account was always managed responsibly. I never had a late payment or went over the credit limit in 8 years. My last purchase on the card was XX/XX/XXXX. My last payment to the card was XX/XX/XXXX paying the full balance bringing the account to {$0.00}. Without notice, 11 months later, XX/XX/XXXX, Discover closed the account due to inactivity. I received notification from XXXX XXXX the account was closed and my credit score was  impacted. I called Discover XX/XX/XXXX and requested for the account to be reopened. Discover explained the account was already closed so my only option was to open a new account. I had always been a good customer and I thought we had a great relationship. 

While most of the country is being impacted by the COVID19 crisis and needs their financial institutions to be there for them, Discover wasn't there for me.