davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting 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)

These Hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. Thanks Hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-10-07
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. (NC)

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2020-03-20
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: ONEMAIN FINANCE CORPORATION (NJ)

XXXX ran a hard inquiry on my credit without my consent on XX/XX/2020 I called them to ask them why did they run a credit check on me they said they cant give me that information. I asked them if the can remove it being that I didn't authorize it and they said they don't remove inquiries, they told me to contact the credit bureaus and dispute it. XXXX  told me to file a report with identitytheft.gov. 

One Main Financial ran a hard inquiry on me on XX/XX/2020 without my authorization and they told me the same thing XXXX did. That they cant remove it even though i didn't authorize it.
Consumer complaint received 2022-12-28
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them nor did they prove validation. 
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 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Okay i have previously notified Experian that I have an active auto loan with XXXX XXXX XXXX. Experian keeps reporting this account as being included in Bankruptcy. This account has never been included in any Bankruptcy fillings. This account is currently active, and current with no late payments.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have worked at XXXX in XXXX via XXXX-XXXX XXXX  and received two checks for my wages for the first two weeks of XXXX then i deposited them to my bank account through the bank app. One day after i deposited the checks the bank ( BANK OF AMERICA ) closed my account and seized my checks without informing me or refunding me. I called their customer service number and asked them the reason, they told me the checks were forged. Then i contacted XXXX-XXXX XXXX and informed them about the checks they gave me. They said there was nothing wrong with their checks. Now bank of American besides closing my account but also do not refund me. I also went Bank of America at this address : XXXX XXXX XXXX, XXXX, TX XXXX, the manager looked at checks and said there was nothing wrong with them so i could cash them anywhere, then i cashed them XXXX, XXXX  also called me the next day and asked me to return the cash. I really need your help, please please please help me get my money back from Bank of America.

Thank you
Consumer complaint received 2020-04-01
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. (AR)

I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some things on my account hurting me. These things to not belong to me. My identity has been compromised. Please delete these things from my report.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (MD)

I had been furloughed due to Coronavirus shutdowns. On XX/XX/XXXX, I contacted my student loan private lender since I had mailed my loan payment but due to no longer being employed I am unable to make the 2 large payments I had intended. Since the checks had already been sent for deposit they advised I stop payment. My bank charged me 2 stop payment fees of {$35.00} for a total of {$70.00}. I called and discussed the circumstances and hardships I am facing. Initially I was told Id have to wait for the fees to be applied. As a member for over 15 years, I called again on XX/XX/XXXX and asked for fee forgiveness considering the unprecedented events. They were unwilling to consider forgiveness.
Consumer complaint received 2020-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION (MN)

Please be advised that all information must be 100 percent accurate be at advises MInnesota attorney General office will he notify about you reporting as early as Monday morning thank you for your full Cooperation
Consumer complaint received 2020-04-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc. (NY)

I became the link  one up on my account number XXXX with BSI financial as a servicer. In contacting them in mid-XXXX  I was advised to pay {$3400.00}. when I become free confirm this number days before the same representative then told me they wanted now {$3700.00}. I was told to pay by XX/XX/XXXX XXXX XXXX.. I have continually tried to reach out to them to make a payment with no success. Finally reach the representative XXXX XXXX by email and now he's demanding more money. He is acted unprofessionally and threatened to take our property in a matter of months. He is threatened lawsuits and that he could still proceed with any legal action against us irrelevant of the status of the environment in New York state right now.
Consumer complaint received 2020-04-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX and Experian are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MA)

I carried out a financial transaction for transferring money from my bank account to my wife 's bank account in XXXX through PayPal. However the discounted amount of my account was not the amount credited to my wife in XXXX, much less than the amount expected. At the same time that the transfer was made I realized that there was an operation error and a complaint was opened by me who transferred and by my wife who received it, but PayPal did not take into account the request to block the operation and did not give due service and also did not give the proper ways to resolve the case. I ask for help to reverse this financial transaction because it was not treated correctly and with abusive fees by PayPal, which was ordered not to do the operation and even so it did. thank you very much, I hope for a brief return as this case is of financial URGENCY. 

date of transaction XXXX ID case claim - XXXX- XXXX ( XXXX XXXX ID case claim - XXXX ( USA )
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Allied Account Services, Inc. (MA)

I do not know this account reporting with balance that they said I owe. I have no affiliation or any participation with them that is why I am trying seek help from you guys to help me resolve this by removing their reported account that does not belong to me.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I was recently informed that I had been placed in collections due to medical debt by the credit bureaus. I had no knowledge of this account or this debt, nor any communication from the debt collectors in attempt to collect a debt prior to this effecting my credit. When I called the company to inquire about the collection they addressed me by two incorrect names before asking me what my name was. When I asked what the medical debt was for, they couldnt give me any info due to HIPPA laws therefore I was unable to verify the accuracy of the ownnership of this account. They did however tell me the debt originated from a hospital visit. I just had a baby in XX/XX/XXXX, and had no prior balance due to the hospital at this time. I was told by Commonwealth financial the debt is from XX/XX/XXXX and was being reopened due to unsuccessful attempts from the previous debt collector. However if I had a precious debt owed to the hospital they would have informed me at the time I was pre-registering and I would have been asked to pay the debt or at least been made aware of it. I had to pay up front for my XXXX XXXX XXXX care as a cash paying patient, ( no medical insurance ) prior to me XXXX XXXX there I as part of the hospital and attending physicians policies. I do think it is unfortunate my credit was hit without any prior knowledge of debt, and before I was able to verify this account is accurate.
Consumer complaint received 2020-04-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (GA)

We would like to seek your help with an issue that we have been having with the mortgage servicer/debt collection. The mortgage servicer has violated the Real Estate Settlement Procedures Act. While they held an encumbrance on property and they didn't notify the transfer in timely manner to the borrowers. They sent us the documentations showing the property was transferred from XXXX   XXXX XXXX until last year. Even through they had it transfer since XX/XX/XXXX according to the documents they recently sent us. 
They have done so, after we contacted CFPB last year to explain our frustration with the lender. We didn't know if Real Time Resolutions had an interest in the property since XX/XX/XXXX. We know about the lien through a closing in XXXX. 
Due to all the mortgage frauds that have occurred so much in the country, we made several inquiries to the servicer to require the " Legitimacy '' of the encumbrance. Again, they never told us or explained their right on the property till last year once we contacted you. Recently, we received one of their statement saying they will proceed foreclosure on the property. This loan has an interest RATES of 11:55000 %. 
This unscrupulous lender has hidden the mortgage, where we would be eligible for a loan modification while the 1st mortgage was modified with an interest rate of 2 % and a reduce principal in XXXX. We believe their action is deceptive and misleading.The lender mentioned, they have contacted us, after we filled for bankruptcy chapter XXXX in XXXX. Yes, we did file for bankruptcies at the moment of great financial challenges, but we never file with their account. Because in XXXX we didn't know about their existence. 
Real Time Resolutions has failed to disclose in the initial written communication with borrowers.They have used unconscionable act by keeping the account in silence to take advantage of high interest rates. Due to misleading and deceptive acts of the lender. we are asking Real Time Resolutions to release the ENCUMBRANCE of the property free and clear.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

On XX/XX/2020 funds were paid to XXXX  XXXX for {$21.00} on XX/XX/2020 funds were paid to XXXX XXXX   for {$21.00} and on XX/XX/2020 {$59.00} was paid to XXXX I provided documentation to direct express that I canceled these accounts but direct express did not credit my account.
Consumer complaint received 2020-04-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

On or about XX/XX/XXXX, I contacted Navient due to a change in income that reduced my monthly take home pay by $ XXXX/month as well as additional financial obligations I have for other student loans which had recently re-entered repayment. I explained the change in my circumstances and requested a reduction in my interest rate to enable me to maintain my on-time payment history. Navient denied my request and said that they would allow me to make interest only payments for six months. I explained that this option did not address my needs and would only cause me to pay more month over the life time of the loan. They said this was the only option they were willing to offer at that time. I thanked them for this and advised that unless a different arrangement could be made, it would risk putting me in financial hardship and possibly not able to make the payments on my loan. 

On XX/XX/XXXX I contacted Navient again, regarding a further change to my income due to the Coronavirus / COVID-19 pandemic. I explained that my wages were being reduced and the possibility that my position would be eliminated within 2 weeks, and I requested a deferment or forbearance of payments for 6 months so that I would have enough time to assess my financial situation, pay for necessary expenses such as groceries and shelter, and not miss payments during this time. The monthly payment amount which Navient requires from me is almost 40 % of my monthly income and this was not sustainable. The representative asked if I had lost my job, and when I confirmed that I was still employed currently, but with a further reduced income and the possibility that my job would be eliminated in the near future, she said that " Deferment and Forbearance are only for people who have lost their job. '' She then proceeded to tell me that she would reduce my payment by {$400.00} to $ XXXX/month and asked if I would be able to make that payment amount. I told her that I was confused about her math because my monthly payment was significantly higher ( $ XXXX/month ). She then told me that I was " being hostile '' and that she had never said " $ XXXX/moth, '' to which I responded that I would like to have a copy of the recording of our conversation to verify this because I had been taking notes during our call. She told me that her manager would handle that request and that I would receive the recording " within 2 weeks. '' I asked for her employee identification number ( it is # XXXX ) and she then hung up without providing any information as to how I would receive the recording of the call.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX i received three ( 3 ) 1099C Copy ( b ) 's for the following creditors XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

In moving documents from an office space that I used to occupy to my home office, I found stub to a Wells Fargo cashiers check payable to me from XX/XX/2017. I had accounts at Wells Fargo at the time but never received the check in question. I have now asked a banker at the Wells Fargo XXXX XXXX. XXXX branch, XXXX XXXX, to provide me with information on the amount and disposition of the check now on three occasions. Getting absolutely nothing from Mr. XXXX ( actually telling me that the check stub was only a piece of paper and asked to leave his office ) I solicited the same information from XXXX XXXX at the nearby Wells branch at XXXX and XXXX and have received no feedback from him either.
Consumer complaint received 2022-12-28
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. (HI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. INACCURATE INFORMATION has been reported : Account name : # XXXX ( XXXX XXXX ) Monthly Due Date is the XXXX of each month - XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ) all marked as late when was NOT more than XXXX days late. Statements are attached showing the payments within XXXX days of due date ( Highlighted in yellow ). I have reached out to XXXXXXXX XXXX on many occasions who agreed with my findings & stated to reach to credit bureaus. 

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 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.