davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

This is a complaint regarding Zellepay.com. Someone closed my account without my knowledge. I contacted Zelle to determine what transactions may have been done without my permission prior to the account being closed. Zelle stated that since my account was closed they were unable to provide any recent transaction information. As a result, I am unable to determine the extent to which my account may have been accessed or used without my authorization. 

I opened an account with Zelle a year or so ago. The last authorized payment I received through Zelle was XX/XX/2021. 

On XX/XX/2021 my XXXX  cell phone number was ported without my authorization. 
On XX/XX/2021 someone attempted to access by binance e-wallet without my authorization. 
On XX/XX/2021 someone attempted to use my credit card without my authorization. 
On XX/XX/2021 I decided to close my Zelle, XXXX and XXXX accounts due to security concerns. 

On XX/XX/2021 I was unable to login to my Zelle account in order to close the account. When I contacted Zelle via their customer service phone number I was told that the account had been closed. I never received an email notice from Zelle that the account had been closed. 

I asked Zelle to provide information about the most recent transactions ( basically, any transactions that may have been attempted or took place on XX/XX/2021 to XX/XX/2021 ). The customer service rep stated that since the account was closed they were unable to provide any information regarding recent transactions. Without knowing what transactions may have been attempted I am unable to determine whether someone attempted, or gained access, to my Zelle account without my authorization. I do believe the account was accessed without my authorization because the account had been closed without my authorization sometime after XX/XX/2021. 

I am contacting CFPB in an effort to receive information from Zelle regarding any access to my Zelle account on or after XX/XX/2021 and any transactions that may have taken place or been attempted on or after XX/XX/2021 to XX/XX/2021.
Consumer complaint received 2021-12-25
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. (MO)

Trans union credit report had my current address incorrect and previous addresses Ive never resided at- and phone numbers Ive never had. Trans union failed to remove the information upon my request of investigation. Ive never lived at any of the places I reported and phone numbers I reported. They dont keep accurate information or respond to me attempts to resolve these on going issues- why does Tran union have so much inaccuracies in information
Consumer complaint received 2024-03-29
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 (OH)

On XX/XX/24 I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX ) after seeking movers online. I was given a quote and told I had to pay XXXX % as a deposit via XXXX. The movers were to arrive on XXXX. I was in contact with XXXX  XXXX the entire time who said he would personally handle my move. On the day of my move XXXX  XXXX stopped responding to me. He only responded to my friends who texted him from a different number. I also called the customer service line several times from my number and did not receive a response. However, when I called with a private number, I received an answer from a representative I asked. When was I going to receive my service, and she said I wasnt confirmed I told her I had paid a deposit of {$1300.00} and she said my pick up was awaiting confirmation, which was contradictory to what I was told by our XXXX. I asked if I can get a refund since I was not confirmed by them even though it was my pick up date and she told me we can not refund you because you were confirmed on XXXX, which also contradicted what she said previously. Wells Fargo bank said they are unable to refund me due to this being an XXXX transaction and the company ran off the with my deposit with no intention of ever providing a service.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (IA)

I have tried disputing this account with XXXX XXXX XXXX  XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX XXXX XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX  while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same furniture data account as a total mistake.
Consumer complaint received 2022-05-03
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/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 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

Mortgage was opened in XX/XX/XXXX through a local bank and immediately sold to XXXX ( Lakeview ) Loan servicing out of Virginia. I paid my mortgage in split payments every month with no problem until XX/XX/XXXX. My first payment of the split payments somehow was applied entirely to principal which began a downward spiral. In XX/XX/XXXX I was charged a late fee which was reflected on the bill mailed on XX/XX/XXXX. I called and they said they fixed it and waived the late fee. They told me I cant split payments. Since I had already made one-half payment for my XX/XX/XXXX ( XX/XX/XXXX ) bill. I made the other half of the payment. On XX/XX/XXXX, I called to straighten out XX/XX/XXXX and XX/XX/XXXX and they told me it would be 7-10 business days to get it straightened out and would not be reflected in my credit score. I called back XX/XX/XXXX and to follow up and they said they needed more time. I then called again XX/XX/XXXX and asked to speak to a manager. After waiting 40 minutes on hold the manager told me it would be straightened out in 48 hours since it was supposed to be resolved by XX/XX/XXXX. I am now calling back to follow up again and have been on hold for 1 hour and have not yet spoken to anybody. I reluctantly paid {$1100.00} more on my XX/XX/XXXX payment so the loan wouldnt be considered delinquent anymore to avoid this happening again next month.

In the meantime I am trying to refinance my mortgage thru a local bank that has assured me that they will not sell it. Although I was approved, XXXX has reported a missed mortgage payment to the credit bureau and it has affected our ( my husband and myself ) credit score by decreasing it 110 points. My local bank can not close on my approved loan until XXXX fixes my payment history and our credit scores. Despite my diligence in following up, they are not answering my calls. This company should not be in existence considering they cant seem to get anything right. This is my 3rd house and I have never had this much trouble paying my mortgage nor have I ever had a late payment.
Consumer complaint received 2018-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly afteXXXX XXXX XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Glass Mountain Capital, LLC (TX)

his number called & left a message that said : XXXX XXXX calling from XXXX XXXX XXXX in regards to referernce ID XXXX. I would need to hear a call back from you at XXXX. I'll be in the office here today till XXXX. Then I got a call from the same number 3 minutes later saying : XXXX XXXX from XXXX XXXX XXXX. I think this is bogus. I am not going to return the call. If they call again, I am going to try & respond through the XXXX Messaging Service I used to make them leave a message. I am going to request something in writing.
Consumer complaint received 2022-02-04
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. (PA)

I disputed late payments on my credit report that was placed by XXXX XXXX XXXX they placed ( 2 ) 30 day lates that were inaccurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX XXXX XXXX.. 


Attached are receipts of payment
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX
Consumer complaint received 2022-10-07
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. (NC)

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

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

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

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-02-04
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. (PA)

I disputed late payments on my credit report that was placed by XXXX  XXXX XXXX, they placed ( 2 ) 30 day lates that were inaccurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from TransUnion XXXX XXXX and XXXX XXXX XXXX. 


Attached are receipts of payment
Consumer complaint received 2022-10-07
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: NAVY FEDERAL CREDIT UNION (FL)

A credit card account showed up on XXXX, XXXX, XXXX XXXX  at the navy credit union. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with navy credit union. They, the credit report agencies said I had to take it up with the bank to correct. I called the navy credit union and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.
Consumer complaint received 2021-10-28
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. (MA)

On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TN)

My fianc, who lives with me and has XXXX kids with me, transferred {$500.00} to my account on XX/XX/2023, and Chime " flagged '' that as suspicious and suspended my account. They demanded i provide pictures of my ID, social security card, and proof of income over the last 3 month period, as well as proof that my fiance owned her account, and that she intended to send it to me. After XXXX weeks of emails ( no phone number is available for the " XXXX '' team, nor would any of them contact me to figure out what more they could want from me ), i provided every document they requested, and instead of restoring my account, they closed it entirely on XX/XX/2023, and claimed my funds ( {$1200.00} ) was not eligible for a refund because I did not provide enough " proof of ownership ''. I provided everything they asked for, called support regularly to check the investigation status, and tried to figure out if i could send any more documents to help make the process easier, and still they illegally took my money saying i violated Chime policies, but never stated what policy. I have countless emails i can provide for review, and call logs to show how persistent i was.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (NY)

I have paid in full the account in Collection with Credit Management regarding XXXX XXXX. The account is still listed in collection. An account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 
This debt is not longer in collection, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2021-12-24
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. (TX)

I have reached out to the credit bureaus about the incorrect information on my credit report recently. I addressed all issues that was incorrect on my credit report I have yet to get a response or correction about my concerns. It is my right to address my credit according to 609 rights. This is not my debt and I demand it be removed according to those same rights aforementioned!
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (VA)

I contacted All ( CREDITOR BELOW ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 these are not mine. They are not factual.
Consumer complaint received 2022-02-23
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)

I submitted a dispute in regarding to a Bankruptcy Record on my credit report for Experian. The report # is XXXX. In accordance with 15 U.S. Code 1692g - Validation of debts. On XXXX Experian concluded it's investigation as " Updated '' without providing any information of verification. Please see the attached letter from the courts stating that they do not provide information to the credit bureaus. I have also attached a letter from XXXX XXXX ( XXXX XXXX ) who stated that they had deleted this erroneous-unverified record.
Consumer complaint received 2019-11-14
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)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file