davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My loans were completely forgiven through the IDR adjustment on XX/XX/XXXX. XXXX sent me a letter on this date to that effect, and both my XXXX and studentaid.gov accounts show a {$0.00} balance as of that date. 

I filed disputes with all three credit bureaus on XX/XX/XXXX, as I was not seeing any movement of the {$260000.00} balance on my credit report and I am trying to buy a home in the near future. 

However on XX/XX/XXXX, I received notices from all three credit bureaus saying that XXXX had affirmed the debt, the information had been verified, and my disputes were closed. 

I am dumbfounded. It has now been two months since my loans were forgiven, and theres no reason anyone at XXXX should be telling anyone anywhere that I owe them XXXX, much less {$260000.00}. How can it be legal for a representative of the government to lie on its behalf?
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TN)

In accordance to the fair credit reporting act this creditor violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I XXXX XXXX paid off the mortgage account, and it's still show late payments not consistent with the other bureaus. The status of accounts has not been up dated to show correct information. It is illegal to show late payments on a consumer credit plan as late for any reason. The accounts are still not showing paid as agreed. Not to show paid as agreed with late status, is illegal under the fair credit reporting act. In accordance with statue 15 usc 1681 section 8602, I have a right to privacy. I gave XXXX XXXX XXXXXXXX XXXX a chance to do the right thing. Please delete the account.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (TX)

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act Convergent Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2020-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

My mortgage was in good standing until it was sold in XXXX last year to Freedom Mortgage. I was not notified of the sale, and had to spend most of the month trying to arrange a payment..so I started off behind. There was no grace period. 
As I began making payments, Freedom started reporting payment " reversals '' on my account. They charged a fee each time, and said the payments were reversed by XXXX   XXXX XXXX. However, my XXXX  XXXX XXXX account shows no reversals, and I was not charged a fee by them. Nor were the funds returned to my account. In XXXX, I made two payments to catch up for the missed XXXX payment. But Freedom only gave me credit for one of those payments, they list the other as a reversal.Between late charges and reversal fees, they now show my account as delinquent, and even though they do not report my on-time payments or my even having a mortgage to the credit agencies for my benefit, they reported the delinquency and my score dropped over 100 points.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (AL)

While checking my credit report I noticed XXXX XXXX attempting to collect on a debt that belongs to someone else. I have requested any signed contracts signed by myself requesting an account with them. A phone log, IP addresses, or anything from Aspire Credit to help identify who opened this account. I have received absolutly nothing from them which has led to me hiring a credit protection attorney. 

This unverified, fraudulent account has since been sold to XXXX XXXX adding further stress and lost opportunities due to their credit reporting.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (UT)

I signed up for a membership online, when they couldnt get my online information to work for Payment, they called multiple times a day, threatening to quit payment threatening to cancel my membership and now sending me attorneys at law letters. The Way they do business is unacceptable. I couldve just gone in and paid for the membership if they wouldve called nicely, but the harassment was out of control, and I never even used the membership because of them not receiving payment. I thought because they couldnt get the automatic payment to work that they were not activating membership. However Im being charged over {$300.00} for membership that was never used I believe it was never even activated, so it was never even used. I thought it was invalid because the payment never went through. All while they have been charging me fees and a monthly rate. They are crooks!!!!
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/20 I deposited a check for {$10000.00} using a SunTrust ATM. On Tuesday XX/XX/20 the deposit still was not recorded in my account. So I called the corporate customer service line and they said a hold was placed on the check. I am a 35 year customer wth the bank and have never had a check held before. The bank says they allowed me access to {$200.00} on XX/XX/XXXX and that I can have access to {$400.00} more tomorrow ( XX/XX/XXXX ). Then on XX/XX/XXXX they will allow me another {$4400.00} and finally on XX/XX/XXXX I can get access to the final {$5000.00}. This is an outrageous inconvenience to me and greatly hampers my cash flow. 

On XX/XX/XXXX I deposited another check for {$4000.00} and discovered this morning that that check is also being held and I have no idea when those funds will be released. Also over night, in the name of " overdraft protection '' the bank charged a separate personal account for {$9300.00} putting that account also in an overdraft status. But the corresponding account being protected was not credited for that charge, In addition, the original account to which the funds had been deposited was charge another {$10000.00} for a hold though no check was deposited to be held. As a result, two of my accounts are recording deep negative balances ( though neither was in arrears when the deposits were made ). I need access to my cash and the bank is not cooperating in any way to review the reasons for their actions. I need help to get SunTrust to take care of my problem. 

I have emailed a senior Vice President, I have made expedited complaints and requests to have my accounts reviewed, and I have visited my branch manager three times in two days. All to no avail. Can you hep me?
Consumer complaint received 2023-10-18
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-29
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. (PA)

My name is XXXX XXXX and i understand that by ferderal law i am a protected consumer who's Rights are being violated. Ive sent so many letters from XX/XX/2022 til date, All certified mail ( Attached ) trying to understand why these companies are reporting information about me without my consent. My Privacy hasn't only been imfringed but these companies have violated a number of ferderal laws. I have explained to these Agencies that under federal law without my consent this is Identity theft under 15 USC 1681 ( Q ) ( 3 ) .Due to these Unfair practices of these companies my consumer report is no longer Equitable to me because none of these companies followed the reasonable procedures put forth by federal law under 15 USC 1681 ( B ). Which has impaired me from extending credit because my rights of consent and privacy were taken advantage of. 
Congress made it clear as day in 15 USC 1681a ( D ) ( 2 ) ( A ) ( i ) that consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report but yet they furnish this negative inaccurate information without my written consent. I demand all accounts in distupe to be removed from my consumer report or negivate item removed from payment history other wise i have no choice but to file litigation for actual damages caused and XXXX, XXXX, and Experian, and/or XXXX XXXX will be held criminally liable for.Not to mention your willful noncompliance under 15 USC1681n ( a ) ( 1 ) ( A ) after being put on notice.UPon the receipt of the documents and of this notice, you are hereby notified Pursuant UCC XXXX Your prompt attention and response are both required.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The information XXXX XXXX XXXX of {$5500.00} from XXXX XXXX XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-14
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. (GA)

My name is 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 XXXX5 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. 

Fraudulent inquiry XXXX XX/XX/XXXX XXXX XXXX lending account
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

I initiated an international money transfer on the XXXX of XXXX using Wise formerly known as TransferWise. The transfer was to pay for medical expenses for my parents in XXXX. On Wises website and app, they promised to complete the transfer the next day when you send a wire transfer of your funds to their account. I did just that and even incurred an additional wire transfer fee from my bank. Around that time, the exchange rate stated my recipient would receive about XXXX cedis. I followed up several times after I noticed the international transfer wasnt completed the next day as promised. However, the wire transfer was completed by my bank a few minutes after I initiated it on the XXXX of XXXX. Wise however claimed they never received my money, and as a result the amount the recipient was supposed to receive kept decreasing due to fall in exchange rate. I sent over proof that my bank had completed the wire transfer on XXXX different occasions to wise. I sent several emails to Wise to follow up as well. I corresponded with both XXXX and XXXX from Wise about the reduction in the exchange rate and delay in transfer during those times. After a week, when the rate had dropped significantly, Wise finally decided to send my transfer. Because the rate had dropped significantly, they only sent about XXXX cedis yesterday, which is almost half the amount I was initially quoted. Throughout my communication with Wise, I made them aware that the rate keeps dropping and since their service promised to send the money the next day of your funds are sent to them via wire transfer, they should at least honor the XXXX I was quoted. I didnt use the normal ACH transfer which according to their app and website takes a week to complete. The amount they finally sent cant cover the entire medical expense and their procedure had to be pushed back because the funds werent even sent on time. The health of my parents are at stake, and the least Wise can do is to honor the XXXX cedis I was quoted and promised considering Im a longtime customer.
Consumer complaint received 2020-02-19
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. (FL)

Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact me.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

I trying for years to get XXXX to remove a fraudulent wells fargo acc, I have never had a wells fargo acc. they have refused to remove it off my report... It's been on it for 84 MONTHS now I have been trying to get the information removed since XXXX XXXX, XXXX
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (NC)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXXBalance : {$3700.00} XXXX  XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (WV)

Ive attempted to transfer funds from my new Chime account since XX/XX/XXXX but it wont allow an ACH to my bank without a debit card being activated. I didnt order a debit card and wont need one to use their services. 

On XX/XX/XXXX I spoke to a rep who said I needed to update to another app service to transfer funds and suggested XXXX. It appeared to me only another bank account could be updated, no XXXX option appeared. Upon contacting a representative again I requested to close the account. The request was processed but I was told Id receive a check in 30 days which is unacceptable. Chime should be able to transfer out if I can transfer in and seems the goal for them is to tie up your deposits.