davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (VA)

In or around XXXX or XXXX I owed ally bank XXXX dollars I did an external funding to fund my account it was put in the wrong account twice. 
Ally bank was rude They made the mistakes. 
They closed both my accounts fir less then XXXX dollars I tried num6times to fix my accounts and it was dilerably put in the wrong account twice I asked them to pull the calls They lied and did not do an investigation They did this cause I'm XXXX
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (VA)

Subject : Disputing Information in Credit Report I am writing to dispute the following information on XX/XX/2023 from the company XXXX XXXX 

This is inaccurate becauseI did not authorize an inquiry. I am requesting XXXX be removed from my credit report. 

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
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (FL)

Westlake financial keeps showing up on my credit report and its been 7 years and it shouldnt be on my report anymore. This is not the 1st time that I have addressed this issue.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

I made 2 purchases from Ashley Furniture, in XXXX and XX/XX/2022. Both of which I had waited over 6 months to purchase waiting for their 0 % interest for 60 months promotion began. 

Once I was emailed that 0 % began, I made the purchases on the card I had applied for, and had open for months prior to the purchase ( again, waiting for the right promotion ). 

Then I get my statement and I am being charged 9.9 %. 

I called, XXXX said to take it up with Ashley. I called Ashley, they dont have a billing department, but escalated this issue, and after over an hour mostly on hold for someone higher up, I was told theyd call me back with an answer. 

And I have not heard anything from them since.
Consumer complaint received 2023-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

In my first complaint I told you that I did have a escrow shortage and I didn't. Freedom Mortgage stopped putting escrow payment from my house payment in escrow, XXXX, XX/XX/2021 and XXXX, XXXX XXXX.My shortage XXXX the 4 months escrow wasn't applied equals XXXX, which would cover shortage. No could see this except me so case closed. The XXXX disappeared and I had to pay it back with XXXX they sat I have another shortage of XXXX, right after i just paid everything even. The new escrow report also says payments won't to escrow for XXXX, XXXX, XXXX which equal XXXX .The XXXX would cover the XXXX, the XXXX will disappear like XXXX from last year, because I'm paying the XXXX called 2weeks ago and the lady I spoke couldn't understand because her computer said they were taken out the escrow payment and Appling it. She said she would tell them to redo escrow report. That will not make XXXX reappear in my bank account or change the fact that I had to get loans to cover my shortages caused by paying back a shortage that didn't exist in the first place.Now I've paid XXXX, XXXX, and XXXX on another shortage that doesn't exist and the money taken out of my house payment has disappeared again. NOW I MIGHT BE 100 % XXXX XXXX XXXX XXXX But stealing ain't going down like that.I Want all my money backvthaywas stolen and compensated for the harm that it has caused my already constant painful life.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (AR)

Upon reviewing my updated Credit report, incorrect information are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and Section 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (OH)

Crown Asset Management purchased as debt from one of my creditors. I was in a program with XXXX XXXX XXXX, and the debt collector would not work with XXXX XXXX XXXX to negotiate the debt. I was then sued by Crown Asset Management and after consulting with an attorney, I agreed to a Judgment Entry with the creditor. The agreement terms were that I would pay one payment of {$130.00} on month 1, and {$130.00} dollars per month thereafter. The creditor did not initially provide me with their correct account/case number, which was required to make my payment on the website that they provided. Furthermore, nothing on the website affiliated it with the debt collector. The website address provided was XXXX. There is nothing on the site that establishes it as being connected to Crown Asset Management, which I thought was suspect. Still, after getting the correct case number, I did make the first several payments to the creditor. I noticed that after making the payments however, that they did not send me any payment confirmations via email, nor did they provide any confirmation number or notification that a payment was made. They provided absolutely no information concerning my debt or the payments that I was making. I may as well have been sending money into a black hole. I did not trust this site, and I ceased making payments. The debt collector has now moved to garnish my wages.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

My XXXX XXXX  account showed a charge of {$3.00} from TD Bank that I don't recognize. A XXXX rep told me to call TD Bank about trace # XXXX XXXX XXXX XXXX XXXX. 

I phoned TD Bank 's main number, XXXX. After 10 minutes on hold, a woman answered and I explained the problem. She told me to call XXXX. When I called that number, it asked me for my TD Bank account number, which I don't have a TD bank account. I was on hold for nearly 2 hours before I hung up and called XXXX again and was again on hold for about 10-15 minutes until XXXX answered. XXXX couldn't help me, said to dispute the charge on my end with XXXX, which I am doing. In the meantime, if somebody at TD bank has hacked my account ( how do they know I  have an account with XXXX, and how do they know the account number? ), this needs to be dealt with by TD Bank. XXXX was unable to use the trace #, was unable to get a message up his line of command, unable to give me a phone number to call or email to write.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX, TX, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} PXXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX Balance {$290.00} XXXX XXXX  XXXX XXXX Balance {$130.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022. 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 2023-03-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX : # XXXX, has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Hello, My name is XXXX XXXX and I am an XXXX American woman. I have worked in financing and credit for 20 years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the 500s and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXX woman. This is so unfair and I am ready to sue and advocate for change.
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

On XX/XX/XXXX I received a notification from the credit report of an old debt that was created under my name using all my information I have no idea about. The collection was added to my credit report between XX/XX/XXXX, and XX/XX/XXXX, as a new account in collections. The collection agency is EOS CCA. The original creditor was XXXX XXXX. 

I've contacted EOS CCA agency to share more details regarding this debt that I do not owe. I found out this debt was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. I've never received any documents, bills, calls, or anything in relation to this debt. 

I do have XXXX wireless which is a brand new account, I've only been with them for just XXXX months and it is an active account. I've never signed up with XXXX XXXX which is very odd. The family home that we live in, the entire home has XXXX. We have a total of XXXX members in the family and they all confirm that no one ever has a XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (WA)

On XX/XX/XXXX, Checkr, a background reporting company, reported a public record had information that was adverse for my employment with XXXXXXXX XXXX. Some time has passed since then, and I would like them to update my report to the latest report of information so I may be allowed to be employed at XXXXXXXX XXXX. I have been attempting to resolve this for some time now. I currently deliver for XXXX in the mean time, and I have maintained above a XXXX customer approval rating and have been employed by them since late XXXXXXXX XXXX XXXXXXXX. I believe this reflects my ability to be employed by a company similar to their services, XXXXXXXX XXXX.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

Back in 2011, we tried over and over unsuccessfully to do a loan modification w Wells Fargo. We had a mortgage and a second. Also we had a checking account that they took over XXXX $ out of without our permission. They refused to deal with us in good faith despite our numerous times we tried to get help w our mortgage.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.
Consumer complaint received 2023-01-20
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 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.
Consumer complaint received 2023-01-20
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 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.
Consumer complaint received 2023-12-02
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, XXXX fraudulent charges were made to my Chase credit card to XXXX XXXX without my authorization or knowledge. The six charges were in the amounts of {$200.00}, {$200.00}, {$200.00}, {$210.00}, {$200.00}, and {$210.00}. 

On XX/XX/2023, an additional fraudulent charge was made to my credit card to XXXX XXXXXXXX XXXX XXXX. This charge was caught by the credit card and I received a fraud alert. I marked it unauthorized. I have included a PDF of this email. Upon seeing that my card number was being used in an unauthorized fashion from this fraud alert, I saw the other six fraudulent charges and immediately reported my card stolen, locked the account, and disputed the charges. 

Additional information was requested by Chase on each of the charges, which I provided. I have included a PDF of this form. I also called the Chase fraud department on XX/XX/2023 ; however, they were unable to discuss the matter over the phone at that time. I requested that they call me back, which they agreed to do. I never received a phone call. 

On XX/XX/2023, the review of the unauthorized charges removed XXXX out of the XXXX transactions from my account ; however, XXXX transaction ( for the amount of {$210.00} ) was determined by Chase to be my responsibility : Chase claims that I notified [ them ] that the transaction is valid. I did nothing of the sort. I have included a PDF of the review report. I attempted to contact Chase about this investigation and why/how this determination was made on this particular transaction when the other nearly identical transactions were determined not to be my responsibility, but I have yet to receive a response.
Consumer complaint received 2023-06-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Divorced in XXXX, I was granted 50 % of the proceeds from the sale of my home. Judgement stipulates that it was to be sold in 1 yr. Six years pass and my ex-wife refinances the mortgage owned by Nationstar Mortgage/Mr. Cooper. The payoff amount was {$190000.00} on XXXX XX/XX/XXXX and refinanced by Nationstar Mortgage giving my ex-wife {$75000.00} in equity. 
Nationstar Mortgage failed to review the divorce decree, and should not have allowed her to refinance as 50 % of the equity belongs to me. My name is clearly stated on the lien release but I was not contacted for signature or for any reason. Nationstar did not do their due diligence to ensure there was no claim on the home. 

XXXX XXXX also signed claiming to have reviewed supporting documents. This did not happen.
Consumer complaint received 2023-01-20
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: WELLS FARGO & COMPANY (FL)

Both XXXX and Welks fargo have things on my report from 10 years ago. I tried everything to get them removed but they wont do it. I thought 7 years was the limit to report things. XXXX was actually claimed on my taxes in 2019 because the issued a tax form on the account. Its been paid and written off.
Consumer complaint received 2022-02-18
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. (GA)

I have notice some late payments on my report, I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX CO ACCT # XXXX, XXXX XXXX XXXX BANK ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT # XXXX. I do not consent to e-Oscar or any means of automated verification, so perform a proper investigation
Consumer complaint received 2023-06-13
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX