davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

I did not authorize the transfer from my Ally Checking account on to XXXX. 

Specifically, I did not authorize the transfer that took place. Under Article Three, subsection 3.12 ( Written Statements of Unauthorized Debit ) of the NACHA Operating Rules [ 1 ], any authorization is required to contain express authorization language, including the entities debiting my account and receiving my funds. [ 2 ] Based on reporting and public documents, XXXX did not use a dedicated bank account to receive user funds and instead used an unrelated entity which I have no relationship with, XXXX XXXX. XXXX XXXX and its agents debited funds from my account without my consent. 

Therefore, I have a good faith basis to believe that a valid XXXX Authorization was not obtained and the payment is unauthorized and fraudulent. 

I would like my debit for {$4900.00} from XXXX on XX/XX/2022 reversed via XXXX please
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Hello, This letter is a formal complaint that all three credit bureaus are reporting inaccurate and incomplete credit information. I respectfully requested to be provided proof that these debts/credit were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized debt/credit must be deleted from the report as soon as possible. 
On XX/XX/, I submitted a certified letter to all three credit reporting agencies due to discrepancies and inconsistency in the reports. The certification receipt confirmed all three did receive my letter requesting them to verify my disputes. 

List of accounts disputed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I went into my bank account to check my statement and noticed that my credit card was over it's limit. I knew I had not made any payments to go over the limit so I checked my account details. Turns out on XX/XX/2020, 10 different payments were shown on my account all in different states and cities adding up to almost {$6000.00}. The payments started at {$980.00} and then 9 other payments around {$480.00} all for different companies and all in different cities/states. Looks like the account reference number is the same on most of those accounts. The payees are all different, and most look like they are fraudulent companies. I NEVER got a notice from the fraud department. I never got a call, email, any notification. I have never spent {$6000.00} in one day for as long as I have had my credit card, and most of the cities these transactions were in I had never been to. I was shocked that I had no one from Wells Fargo help me or notify me before I noticed it myself by chance. I called Wells Fargo and received terrible customer service as I was frustrated and upset at the situation. They canceled my credit card, said they would send a new one the next day, but I won't receive my money until the claim is settled by the investigation which would be from 2-10 business days. I am unsure of what to do, and feel like I got no help.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX  XXXX has reported a credit card on my report as a charge off. The first delinquency was in XXXX  and the account is now listed as a charge off. They recently on XX/XX/XXXX reported to Equifax a comment added Variable/Adjustable Rate . Equifax dropped my credit score by XXXX because of this comment. There is no variable or adjustable rate, this is a charge off. This account is not accruing interest, its not an active card that can accrue issue. Reporting this comment to an account that is no longer active is illegal and inaccurate. They have already added that it is a charge off which allows my credit score to drop. Adding this additional comment allowed my credit score to drop even more. This is account is charge off written off as a loss there should be no additional comments added except that it is still delinquent. XXXX XXXX  also stated to me during a recent phone that they have sold my account but they have not listed on my credit report who my account was sold to and they have not notified me that my account was sold.
Consumer complaint received 2022-12-27
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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. (OK)

Experian has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Experian is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 

Complaint # : XXXX According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 The CFPB Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 

Experian response : When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. 

Experian could not have done a proper investigation or re-investigation because my recent consumer report still shows INACCURATE INFORMATION. After their first, second, & third investigation my address is still wrong. Information on my credit report is still INACCURATE. Experian is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (DC)

1. I submitted an application for the SAVE Repayment Plan on the FSA website on XXXX XXXX, XXXX. 
2. According to my FSA.gov account activity, the application was processed and review completed by FSA, and then sent to my loan servicer Mohela. 
3. On XXXX XXXX, XXXX, I spoke with a customer service agent at Mohela to request an update on the status of my application review, which has still not been implemented. 
4. The customer service representative confirmed that my SAVE Plan application is still in review, and was unable to give me any estimated timeframe or expectation of how long my application will take to process. She confirmed that some SAVE Plan applications have been successfully processed and implemented, but was unable to provide any general timeline for how long that process took on average, or what I could expect for my application. 
5. The options I were given while I wait indefinitely for my application to process were to either : - Continue to put my account in forbearance so that I'm not required to make payments, but will continue to accrue interest. Forbearance periods are only 3 months long, and it will be my responsibility to continue to contact them and re-apply for forbearance every 3 months as long as my SAVE Plan application is still being processed ; or - Continue making payments at the amount due on my current plan, which is twice the amount of my estimated SAVE Plan monthly payment. 

The problem : Mohela has essentially put my application into an indefinite " holding period. '' Unless I want to keep my account in forbearance and continue accruing interest, I'm expected to continue making payments at my current monthly payment amount indefinitely, with no estimated timeline for when I'll be switched to the SAVE Plan that I've applied for. 
This means ( and the customer service agent agreed ) that I theoretically could continue repaying my loan at my current monthly payment amount for years and even pay off my loan before Mohela processes my SAVE Plan application.
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Despite my consistent track record of making timely payments, I am distressed to find that the credit bureau is reporting me as being late. I would like to emphasize that I have never been late on these accounts, and I urge the bureau to commence an investigation to rectify this inaccurate reporting promptly.
Consumer complaint received 2022-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Reach Financial LLC (TN)

Dear Sir, madame, I don't have a loan with Liberty Lending LLC. There was some kind of correspondance with them in emails pre pandemic back in XXXX. The took out {$340.00} fro my bank account in XXXX of XXXX. I have had that reverse. I have spoken to them 3 times. I stated that i don't have a loan with them from XXXX. I have zero disclosures, paper work period. They even have my first name wrong. i am afraid they are going to injure me more. I have no relationship with them except I have spoken to them with never a mention of any loan, in fact they have told me there is no loan. i told them to cease any and all efforts to injure me. They were supposed to call me back on XX/XX/XXXX after XXXX and never did. I am reaching out to you to help me with I feel a fraudulent claim on me. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I received an alert from my XXXX credit monitoring and again I see that on my report there's another charge on here from XXXX XXXX, for the amount of {$200.00} and they're stating is 60 days past due XXXX and XXXX I have never done business with this company I do not know who they are on XX/XX/2022 with XXXX XXXX XXXX XXXX online we spoke to XXXX from Experian we were on the phone for at least a good XXXX minutes and she could not find any information about me nothing much what I gave her now XXXX does their investigation and stating that everything is correct they are liars because I have a case against Experian for their breach of information I want Experian to stop having anything with my credit information I want them completely blocked frozen out this is not right this is the second time I'm doing this with the same company
Consumer complaint received 2020-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (DC)

I noticed unusual activity on my paypal account I contacted my financial institution immediately. I then contacted PayPal to verbalize that the transaction was not authorized and it was considered fraud. I changed my past word and closed my bank account per the recommendation of my financial institution. I was informed by pay pal that this was an authorized transaction and they refused to dig deeper to assist me with this ongoing issue. Today the negative balance still remains on my account and I can't use my account for business purposes.
Consumer complaint received 2022-11-12
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open and consumer credit plan for any purpose
Consumer complaint received 2023-05-24
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. (NC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE CONTACTED THE XXXX GEORGIA BANKRUPTCY COURT AND THEY HAVE INFORMED ME THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS OR XXXX. XXXX OR ANY OTHER DATA BASE COMPANY DOES NOT HAVE MY PERMISSION TO REPORT ANY INFORMATION ON MY BEHALF. PLEASE REMOVE THE FRAUDULENT ACCOUNTS THATS LISTED IN THIS REPORT
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 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 XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (NY)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/ i sent a letter regarding inaccurate information and unknown things on my credit report to this day 30 days later i havent recieved a response yet. I feel like Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) says failure to investigate within 30 days gives reason to immediately remove those items. I demand these accounts be removed immediately. My info was also compromised during the equifax breach.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 3RD endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I attended a event in XX/XX/2021, and my purse was stolen that include XXXX XXXX and my personal information. Police on the premises were notified and a report was made. I obtained a copy of my credit profile a seen a series of accounts that I have no affiliation with or knowledge of. Furnishing these accounts and information to my profile without my permission or written consent is in violation of FCRA 15 USC 1681, & further violates FCRA by furnishing information due to identity theft. I've contacted the CRAs ( XXXX, Equifax, and XXXX ) in attempt to resolve this matter and I've had no luck. This information reporting on my profile is preventing me from gaining any lines of credit. 
I've never opened or applied for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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: SYNCHRONY FINANCIAL (AL)

I am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since 2008 XXXX XXXX XXXX XXXX