davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
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. (CA)

I have had 2 differwnt identity theft problems with XXXX. The first time i filed a police report and they fixed it. The 2nd time ( years later ) they said it would be fixed. Someone using another address set up service at another address. I filed a police report and sent to XXXX at their request. I also sent them proof of my residence. They said it would be removed but it never was. months later I called back and was told the first agent didnt do it right and it would be fixed. That was over a year ago and ut was never fixed. I disputed it through experian several times and still not fixed. Please help. It is a debt for about {$1700.00}. XXXX has the persons name and address but they still report it to my credit. XXXX allows people to set up accounts with your ssn or without it if you do auto pay. 

Experian has failed to do a thorough investigation.
Consumer complaint received 2023-02-23
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)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Possible Financial Inc (IN)

On XX/XX/XXXX, I was asked to complete an application to see if I qualified for a " loan '' and according to 8 CFR 1.2 application is a benefit request. That request is my RIGHT granted to access MY credit. Regulation Z makes it very clear that banks can't make loans and therefore, since Possible Finance took my Social Security Number my credit was extended to them. However, according to 15 USC 1602 ( f ) credit is the RIGHT granted and the Social Security Administration makes it very clear that the SSN is NOT used as identification. On XX/XX/XXXX, Possible Finance denied that right via email in writing for that right, after having access to my credit card, my social security number according to 15 USC 1602 ( l ), and mentions factors that would be considered adverse action! According to 15 USC 1691 ( d ) ( 6 ) : For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Possible Finance has my original application ( note ) that was complete and also my financial asset ( social security number ) but I was denied extension of credit, and they will receive a benefit but I was explicit denied one.
Consumer complaint received 2023-05-26
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

There have been over 100 (! ) cases where my First Citizen 's Bank ( FCB ) debit card, for which I am the Sole Authorized User and which has Always been in my possession, has been Fraudulently used. On XX/XX/XXXX, there were 14 uses transactions/uses of my debit card, including in XXXX states where I do not live. I have initiated 7 disputes, and heard nothing from FCB. On XX/XX/XXXX, FCB placed about $ XXXX in my account, related to disputed transactions - when I went to the branch, all monies had been withdrawn. This has created EXTREME FINANCIAL HARDSHIP for me and has taken a GREAT DEAL of my time. I am also HIGHLY CONCERNED as FCB is the only entity with which I have had this problem- it goes to Cybersecurity, which, for XXXX as A BANK [ holds money ]. should be very high, and FCB 's OWN INTERNAL PROCEDURES- this is THEFT, a huge amount, which as a Financial ; Institution, FCB has- I beleive - a RESPONSIBILITY TO HAVE INTERNAL PROTECTIONS, as the debit card was NOT lost or stolen ( which I would have reported ). This to me goes to BASIC Bank Responsibilities, possibly Fiduciary Duty.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (IA)

I am being forced to switch my XXXX card from XXXX XXXX to Marcus Goldman Sachs.

I am not able to pay my bill because the Marcus app and website does not work. I am not able to even create an account to access anything.
Consumer complaint received 2023-05-26
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-08-03
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. (AL)

Equifax sent me a letter ( 3 times!!! ) that stated they need proper identifcation to verify my disputes. I've sent them a copy of my ID and my social security card and they sent ANOTHER letter requesting the same information!! At this point, I'm convinced they are avoiding investigating the negative accounts on my credit report. The last letter with a copy of my ID and social security card was sent on XX/XX/2020 and the tracking number [ XXXXUSPS ] shows it was received. I am disputing all negative accounts and BKs because my sister has a similar name [ XXXX XXXX-my sister 's name ] of mine and we have a lot of accounts that are the similar from the same companies and I need for them to make sure all accounts are reporting properly and not cross referenced with my sister 's.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I wrote my XX/XX/XXXX rent check for {$1200.00} ( see attached XXXX. ) I wrote the check from XXXX XXXX. The check was deposited at the Wells Fargo ATM branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. On XX/XX/XXXX, Wells Fargo took out {$2200.00} without my knowledge ( see attached XXXX. ) I immediately reported this to XXXX XXXX XXXX XXXX and Wells Fargo XXXX XXXX XXXX. 

Wells Fargo took out XXXX XXXX dollars over and caused my bank to go into overdraft by XXXX XXXX dollars. 

I opened my Wells Fargo Bank Account in the year XXXX. Wells Fargo shut down my account ending in XXXX in XXXX without my knowledge and for No Reason. This was only a checking account. Wells Fargo did the same thing to my account at Wells Fargo with incorrect amounts of money taken out and placing me in overdraft as they did on XX/XX/XXXX ( see attached XXXX. ) Rather than fix my account they shut down my account in XXXX for No Reason. XXXX XXXX is repeating the same actions with my XXXX checking account taking out incorrect amounts of money. I tried to reopen my account or open up a new account with Wells Fargo on XX/XX/XXXX, and they said they will not do business with me by opening up a basic checking account to deposit my government social security check as I am permanently XXXX and this is my only income ( see attached XXXX. )
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (KY)

I previously had an account with XXXX XXXX in which the service was terminated. They sent me a bill saying I have a past due balance and a last bill. I paid over {$2000.00} to take care of this collection account. This account was to be deleted after a paid the account. This account has failed to be removed from my credit report.
Consumer complaint received 2016-10-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AL)

I made my mortgage current up to the date it was sold. I was promised that my credit bureau report would be updated to reflect it was current. I sold the home this last year, which was my ONLY way to catch up, and my credit still suffers because Wells Fargo has my last report as being 120 day late which is FALSE! They falsely lead me into such a dire situation that I ended up selling the home. They knew it and now I lost my home AND my credit was n't corrected per their promise. Wells Fargo has been an absolute predatory lending institute and I 'm glad it 's FINALLY being found out.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian shows addresses that either is a result of fraud or belong to others on my report. Some addresses are of accounts that I am authorized to use or accounts that have been opened in my name ; the accounts do not belong to me as well as their addresses. I've requested that they be removed, but the dispute has been ignored.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Monterey Financial Services LLC (NV)

I have a loan with XXXX ( Monterey Financial Services Inc. ) to the tune of {$3500.00}. They are charging me a 39 % interest rate. Im XXXX XXXX XXXX and unemployed, I have tried to negotiate payment plans and a different amount. I can not afford to pay them so I told them to please send me to collections ( multiple times. ) They will not stop calling me and now they are calling my mother ( whom is not even associated with the account ). They are harassing me and telling me that I need to give them my attorneys name and number.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A. (TX)

Company " XXXX XXXX XXXX, XXXX  '' dba " XXXX '' ( XXXX ) requested payment on " one-time fee '' that did not materialize services to Client. Client was informed by XXXX to pay fee using an email online form or XXXX 's legal team would file a claim against Client. Client responded with completed authorization form within due time. XXXX did not process the payment. Rather, after 1 month of not responding, XXXX filed a claim from their legal team to collect more funds.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/20 I received a call from Mrs. XXXX the ( CRM ) I was told that I was being put on a forbearance and that the 3 months Payments not made would be put on the end of my loan that I would have to pay 3 months longer. Then a month later I received another call from BOA and I was told on XX/XX/20 by XXXX XXXX that I was given the wrong information on XX/XX/20 an hour long call with Mrs.XXXX and their supervisor. XXXX XXXX stated that I was 1 day to late for a forbearance and I was given the WRONG information from MrsXXXXXXXX and her supervisor XXXX XXXX. I ask XXXX to review the conversation from XX/XX/20 because they say the conversation are recorded. I just want them to honor the hour long call that I received on XX/XX/20 telling me that I was on a forbearance and didn't have to make any payments for 3mts by at the time my CRM Mrs. XXXX and her supervisor XXXX XXXX ...
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX We received text messages inquiring about a potential fraud charge at a XXXX for over {$300.00}. After responding no we received a phone call immediately pretending to be XXXX bank and advising our acct was compromised. Asking for verification like the username and sending codes via text to confirm identity. This allowed the perpetrator access to our online banking and they wired themselves {$9300.00} plus we were charged a {$25.00} wire fee. The bank who received the funds showed TD Bank in XXXX XXXX and the suspect with the account is XXXX XXXX XXXX. Supposedly XXXX requested 3 times that TD Bank return the fraudulent funds in the amount of {$9300.00}, but TD bank provide any updates and has no phone numbers for whom we can contact and their representatives refuse to speak with me. They advised our bank or detective can contact them on their back Office number that they should know. Neither XXXX XXXX  XXXX XXXX XXXX with XXXX XXXX police have any knowledge of this back office number. When I reported the issue on XX/XX/XXXX I was advised by XXXX it would be 3-5 bus days to complete the investigation/funds returned. XXXX called me on XX/XX/XXXX to advise someone would be reaching out to discuss from the fraud wire dept and no one has. The branch says they have done all they can do. Even XXXX the branch manager in XXXX XXXX is complacent to the issue and speaks as if theres nothing they can do. I spoke with TD bank today, and they advised me that XXXX can in fact call their back office and receive information. XXXX at the branch said made a XXXX way call to TD bank with myself on the line and contacted XXXX ( XXXX resolution group ) but they transferred our call and the end result was an automated message with an email to contact with. The email is only for law enforcement-as I emailed and the automated message said it is for law enforcement only. TD Bank refuses to talk to me and wants to talk with XXXX bank regarding this fraud case, however, even XXXX is getting no response. I have filed a police report with XXXX XXXX, Report ID XXXX for the criminal offense but havent been able to get any information about my funds being returned. What poor customer service to leave your customer hung out to dry and callously explain repetitive info that you have as a courtesy already escalated it and have done all they can do. TD Bank should be required to comply when funds have been identified as fraudulent. I have filed also with the FTC report # XXXX and with the FBI ( XXXX ). Please help me recover our funds that were stolen and deposited at TD Bank XXXX A/C XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-03-01
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)

Last year I found a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have been trying to unfreeze my credit with Experian for over a year. I have repeatedly tried to get in touch with an Experian representative, but I have only been met with an automated system for all the customer service lines. After trying online, and sending my required proof of identification documents to the address provided : Experian Security Freeze, XXXX XXXX XXXX XXXX TX XXXX, I have received no update or reply. My credit remains frozen.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Hello XXXX XXXX XXXX & XXXX XXXX XXXX, I was a loyal customer with Citizen 's Financial Group. On XX/XX/2022 XXXX I called in inquiring about a transaction that declined via phone. I was on hold for about XXXX till someone named XXXX answered. I explained to XXXX my concerns in regards to my card declining. I though he was nice during the beginning of he conversation, boy did the conversation take a turn quick! He began to explain to me the reason behind my card declining was due to non payment. Meaning I did not make a payment. I was very confused and shocked, due to me owning my own XXXX XXXX XXXX. I in fact pay all my bills on time. So I asked him when was the last time payment was made he stated XX/XX/XXXX. When he stated XXXX, knowing my due date is XXXX of month, I kind of hit the panic button, like have I been that busy lately I forgot to make a payment, like how can I be so foolish. 
As he's speaking, I asked will the late payment reflect on my consumers report, he said Yes! I than said well are you aware that late payments are a violation? And if you report the late payment I will close the account and just get it removed for FCRA reasons. When I stated I will just get the account removed he stated ok! So I asked him how many days was I late and answered and said XXXX. So It instantly XXXX clicked! Like wait a minute, XXXX of being late can not get reported. So I said are you aware of what you just said to me? You stated I was XXXX, so I'm not late. You instantly started using an abusive tone with me. As went as far as mocking me. I was so shocked and surprised. I explained to him how I suffer from anxiety and to please not use the tone he was using with me. That didn't stop XXXX. Moving forward not only was rude, nasty used an abusive tone he provided inaccurate information. Just to later learn that the account is only XXXX pass due. I will not ever do business with Citizen Financial Group. Expect to hear from my attorney I will also be closing the account