davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I HAVE REACHED OUT TO THE CREDIT AGENCY ABOUT AN ACCOUNT THAT DOESNT BELONGS TO ME AT ALL I NEVER APPLIED OR GAVE ANYONE PERMISSION TO ADD ME TOTHEIR ACCOUNT THAT THEY ARE NOT PAYING ON THIS ACCOUNT HAS RUINED MY CREDIT WE WERE IN THE MIDDLE OF BUYING A HOUSE NOW MY FAMILY IS LONGER ABLE TO PURCHASE NO MATTER WHAT I KEEP TELLING THESE PEOPLE AND MY POLICE REPORT DOESNT MEANS NOTHING BECAUSE A COMPANY CAN JUST TELL THEM IT BELONGS TO ME BECAUSE SOMEONE DOCU-SIGNED IT THATS NOT A REAL SINGING I DID NOT SIGN THAT SO IT OK FOR SOMEONE TO STEAL MY INFORMATION AND APPLY FOR CREDIT BUT IM TRYING TO HAVE IT REMOVE BUT YOU GUYS INSITS ITS MINES I DIDNT GIVE ANY COMPANY PERMISSION TO REPORT ON MY PERSONAL CREDIT REPORT AT ALL I HAVE REACHED OUT TO XXXX XXXX THEY TELL ME TO SEND EXPERIAN THE POLICE REPORT BUT YOU GUYS AINT DOING YA XXXX  JOB I NEED LEGAL ACTION ON EXPERIAN AND XXXX XXXX
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

This is the 4th complaint or more on this issue however they ( Wells Fargo ) are not understanding the complaint. I am not complaining about a stop payment on the item that was paid in error, I'm complaining about the banker telling me that the item would not be paid but was and my account has been overdrawn since. This has been going on for 5 plus months. Now I'm at the point of going through XXXX XXXX, XXXX XXXX, lack of being able to conduct business with my checking account. An advisor in the civil court system in XXXX XXXX has advised me to file a civil law suit on the bank due to this approximately XXXX  item has caused in my life and livelihood. Unfortunately they have left me no choice. If this is not fixed in the next 10 days or at least a notice that it will be fixed in 10 days does not happen, I will file a civil law suit for much more money than 200.00, due to all this has caused in my life. This filing will be free to me due to COVID 19 and as per the court 's authorization.
Consumer complaint received 2020-08-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} XXXX
Consumer complaint received 2020-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (DC)

I have a ROTH IRA savings ( interest-bearing ) account with Ally Bank. On XX/XX/XXXX ( tax filing day in XXXX due to covid-19 ), I logged in to Ally 's website and initiated a transfer from an external bank account to my IRA. I input the amount of money I wanted to deposit, I ticked the box to ensure it was a prior year contribution ( XXXX ), not the box for current year ( XXXX ), and it generated a PDF ( which should be logged in their systems ) with the date that I then signed. I then took a photo of the signed form, put it and a check for the amount from my external account in the prepaid envelope and then took a photo of me dropping it in the mailbox on the evening of XX/XX/XXXX. Ally requires all IRA contributions to be written and signed on paper, so I could not do this fully electronically. 

The amount was withdrawn from my external account and then showed up in my Ally IRA, but I received a call saying that because the postmark on the envelope was XX/XX/XXXX, they could not credit it for the prior year ( XXXX ) and had to credit it to the current year ( XXXX ). I disputed this but after speaking to a supervisor they said the auditors could not bend these compliance rules. 

After learning I could not credit this to XXXX, I asked if I could have the transaction voided ab initio and undone, as if I had never sent the check in the first place, as this would affect the limit for other contributions I could make in tax year XXXX. I noted that my signed request did not authorize a deposit for the current tax year, but only the prior tax year, and them crediting it to a year that I did not authorize could have significant tax implications for me, and presumably other clients. However, after checking with auditors, they said they could only remove the money by sending me a check and treating it as a distribution ( " excess contribution '' ) from the IRA, which would not only use up the contribution room I didn't want used up but also subject me to tax implications for this withdrawal. Apparently the auditors were sticklers for compliance with the postmark but not with my authorization of which tax year I specifically requested a deposit in. 

I have talked to two people now and this has been escalated further, and I have asked that all future correspondence be copied in writing and that past calls be saved.
Consumer complaint received 2020-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian has been reporting incorrect Credit Information/Summary to Creditors. 
In a recent credit card request to XXXX XXXX and XXXX XXXX, I have received refusals from both, saying EXACTLY same following information was received from Experian : * Serious Delinquency >> I disagree * lack of recent installment loan information >> Last time I took auto loan was on XXXX & XXXX and paid them fully by XXXX Since then I had no need to take a loan. Why is that bad? 
* Too few accounts as paid as agreed >> I disagree, only 2 credit accounts paid fully every month * Too many accounts with balances >> I disagree, only 2 credit accounts paid fully every month * Number of credit bureau inquiries >> 6 inquiries- including apartment & utility inquiry Credit Score Reported : XXXX??? while My XXXX XXXX score is : XXXX The report I get from Experian does not agree with above items. So Experian has been reporting different information or summaries to creditors. I need to understand / get it resolved over the phone with Experian credit specialist. But do not have a way to reach out to them by phone. 

I am tempted to ask Experian to stop collecting & reporting my credit info.
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)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2020-09-27
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: AES/PHEAA (TX)

Hey i have a problem. My account keeps having these loans on my account that I didnt take out and the times and dates they said I did is inaccurate. Its been more than 7 yrs and this XXXX is still on my report and I am requesting these student loans to come off my credit. I will keep writing letters and sending messages and emails and reaching out to the fbi and making a police report. I just want to be able to handle this responsibility. Thanks you
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (HI)

Citizens One home loan company bought my loan from the XXXX XXXX XXXX  late last year. The servicing has not followed the legal documents for my mortgage which states that they are responsible for paying my property tax. They failed to do so last year and I accrued late penalties. I had to contact them and the XXXX XXXX XXXX to get them to pay it and the late penalties. 
This year they again failed to pay the property tax due in XXXX of this year and I have accrued overdue penalties. I called them last month on XX/XX/XXXX. Almost a month ago. They confirmed that they would pay the XXXX tax and send proof that they would cover the penalties cost as it was their fault. I called them and they claim they paid my property tax but refuse to pay the penalty saying it's my responsibility. 
The taxes are supposed to be paid via my escrow account which I have been paying on time every month. 
I am afraid that this is affecting my credit score and that I will get a tax lien on my property.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are 2 names on my Trans Union credit report. 
One is correct, and the other is what appears to be a miss spelling of my name. 
Example. 
xxx xxxxxxxxx and xxx xxxxxxxx.
Consumer complaint received 2020-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

On XXXX XXXX Franklin Collection Services received a debt verification letter from me to verify the debt they are reporting and they could not provide it. I have never used services with XXXX XXXX XXXX and all they sent me is a bill from them saying I owe them {$79.00} According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. And I hereby demand to see a copy of the validated Proof ... They have til XX/XX/2020 to verify the debt or it should be removed from all credit reporting agencies
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (AZ)

Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX  account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (TN)

This happened in XXXX before I knew who and how to report to ... .since loan companies were saying I was approved and wasnt I was directed to destiny credit card by XXXX  where it say automatic approval ... .it said sign and it would be in the mail ... never Happened and when I asked where my card was which was {$700.00} credit limit no fees I was told I wasnt approved dropping my score... I even got another one saying approved... I now have hard inquiries over deceptive advertising from loan companies and credit cards... .unfortunately I didnt screenshot all that ... now today XX/XX/13 I was sent another application but this one is far different from the rest ... .I guess they knew they pulled one on me... I'm so sick of these companies getting away with this
Consumer complaint received 2024-02-26
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. (GA)

In accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681XXXX XXXX XXXX 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 Account # XXXX Name... CREDITOR NAME/ Account # XXXX XXXX XXXX/Account # XXXX Name XXXX XXXX XXXX/Account # XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX/Account XXXX XXXX Name XXXX/Account # XXXX Has violated my rights . 15 u.s.c 1681 section 602 A. 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 instruction.. 15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2020-08-05
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: SYNCHRONY FINANCIAL (UT)

For a little over a year i have been trying to get information about something that is reporting on my credit report. I have mailed letters and called this company over 15 times and i have talked with managers, collections, customer service reps etc. and i get told the same thing every time. " Sir, we have no record of you in our system at all and we don't know why its reporting to your credit report, you should file a dispute '' I even offered to take care of the balance, but they have NO IDEA who i am in their system. you can pull the " recorded '' calls and verify that i am telling the 100 % truth. 
So I fill the dispute and then i get " everything is reporting accurate '' I am genuinely confused with everything and i don't know what else to do. This fraudulent account that is being reported on my credit is keeping me from being able to buy a house refinance my auto loan for a better rate and so much more. Please help me get this removed from my credit report.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today, XX/XX/2020 at XXXX XXXX when I looked at my checking and savings accounts both said XXXX balance even though I have a very large sum in the bank. 
I immediately called the fraud department at Bank Of America who told me they were having a " problem with the app '' and assured me my money was safe. 
After 3.5 hours I called again to ask WHY the bank had not notified customers of the problem and I was told they are aware of it and were working to fix it. The bank representative said she would file a compliment with the bank. 
My concern is with all the problems going on today and branches closing, etc, this may be a larger problem than just the app. 
BofA needs to take immediate responsibility to notify all customers of the APP problems.
Consumer complaint received 2020-08-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XX/XX/2020, I sent Equifax a letter disputing an account ( XXXX XXXX ) listed on my report with Equifax, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter Equifax has not only violated federal law ( FCRA ), but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (NC)

I try to login into the Zelle app and I am getting this login error and it won't let me login. I then contacted Zelle to see what happened and they told me that the verification process could not be verified for some unknown reason and my account would be locked for good. Makes no sense at all knowing that I have always been sending and receiving payments through Zelle and now all of a sudden I can not? They stated no reason as to why, and I called my bank that I used with Zelle and they said that my account is fine and it is in fact a Zelle issue.
Consumer complaint received 2020-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried for over 3 month to log into Trans Union to file a dispute but I get an error message that the say 's Were sorry ; this site 's dispute functionality is not available at this time. Please wait at least an hour and try again. I have attached this to my file. 
I need to dispute the following accounts that are not my accounts, XXXX XXXX Trans Union RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have included the negative accounts below. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion Derogatory Accounts ( 4 ) Not my account XXXX XXXX Other Loan Past due : {$820.00} Collection/ Chargeoff XXXX XXXX XXXX Not my account Other Loan Past due : {$500.00} ChargeOff XXXX   Not my account Credit Card Past due : {$0.00} ChargeOff XXXX XXXX Not my account Other Loan Past due : {$130.00} Collection/ Chargeoff According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2022-11-04
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. (WI)

I asked the XXXX  to verify account # XXXX filed on XXXX and I checked, they are still reporting inaccurate information. In accordance with FCRA they have violated my rights. I have the right to privacy.