davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (NY)

It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-07-27
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I have a car loan with Ally Financial bank ... I have been a customer with them since XXXX I have always made my car loan payments on time but I went threw a financial hardship in XXXX when I lost my job and I was unable to make my payments on time, Although I wasn't able to make it on time, I still made sure to make my payments ... I also have a few late payments in early XXXX, I lost my job again but decided to drive for XXXX till I find a better paying job.. At the time that was my only source of income trying to maintain all my bills and my XXXX XXXX XXXX financials. I am currently now working with XXXX receiving much better income enough to pay all of my bills ... There is no reason for me to be late anymore ... As of XX/XX/XXXX all of my payments have been on time. I purchased my vehicle for {$20000.00} ... Although I went threw a financial hardship. I am almost done paying my car off.. I only owe {$9000.00} I am really trying my best to do right by continuing my payments on time to maintain a great credit score ... All my credit cards and other accounts are paid on time. I just had problems with my car payments and am asking for a second chance to remove these late payments because they are hurting me mentally and financially.
Consumer complaint received 2021-05-08
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX DOB:XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XX/XX/XXXX/XX/XX/XXXXXXXX account is reporting 30,60 and 90 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2022-06-16
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. (NY)

It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-06-16
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. (NY)

It has been discovered that you are not impending records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering improperly because of fraud, I will hand my archives over to my lawyer to begin a legalized process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX a cease and desist affidavit was sent to American Express with return receipt. American Express has continued to contact me. I requested validation of the debt and I have not received a response from AMEX. 

AMEX has numerous violation of the FDCPA and TCPA- Telephone Consumer Protection Act of XXXX. Civil penalties listed for 36 violations of 15 USC 1692 {$36000.00}, 44 violations of {$27000.00} for a total of {$65000.00} AMEX did not have my prior written consent to call me. 
AMEX misrepresented a credit of XXXX as a debt. 
AMEX threatened to ruin my reputation by reporting late payment to credit reporting agencies. This is identity theft because they didn't have my permission to report anything on me.
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: First Technology Federal Credit Union (UT)

On XX/XX/XXXX, I used the international wire transfer functionality offered by First Tech Federal credit union to transfer {$34000.00} dollars to XXXX. 

I followed up with First Tech Federal Credit union on XXXX and got the reply from them that the wire transfer is on hold with an intermediary pending a declaration form from the beneficiary bank. I passed on the information to beneficiary bank 's representatives and they tried to contact the intermediary bank and according to them the intermediary bank was unresponsive. I followed up with First Tech federal on XXXX, XX/XX/XXXX and got the reply that they are working with their representative at XXXX XXXX XXXX First Tech 's intermediary bank ). On XX/XX/XXXX, First Tech Federal bank informed me that the deadline to affect the transfer has passed and the funds will be returned to me. 

On XX/XX/XXXX my First Tech Federal Credit union account got credited with XXXX USD ( almost XXXX dollars less than what I initially transferred ). I enquired the bank about why that is on XX/XX/XXXX itself and they replied that they are working with XXXX XXXX to get an explanation of what caused the differences. I followed up multiple times ( XXXX and even today ) and have not gotten any replies. The last correspondence I received from the bank was on XX/XX/XXXX. 

This puts me in a position where I lost more than XXXX dollars and I could not get the transfer of money done and I lost XXXX months trying to get this transfer done. The bank going non-responsive and not explaining anything does not help either.
Consumer complaint received 2022-06-16
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
Accounts : XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX  / XXXX XXXX XXXX  OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX  OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to Fed Loan ( XXXX ) and I'm not delinquent.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

Frequently, my bank, Ally Bank, will unilaterally halt activity on my debit card and force me to call them, authorize via a set of security questions, and receive an XXXX message on my phone to unlock my card. 

There is no way to change this setting or configuration on my account. 

I live in a wooded area which sometimes has poor cellular reception. Without the XXXX  message to my phone, Ally will not unlock my debit card, despite proving authenticity with my social security number and security questions. 

If I am not lucky enough to receive the XXXX message, they refuse to unlock the debit card. I must wait to speak to a person in an office which is only open during bank business hours and which has a special phone number only accessible through frontline support. 

Through this new policy/program, Ally is actively and frequently denying access to consumer funds for absolutely no reason. 

This occurred on the following dates : - XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above. 

- XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXXXXXX Account number XXXX, and XXXX XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2020-11-06
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: AMERICAN EXPRESS COMPANY (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MO)

I was a customer with Simple. BBVA took over and transitioned all customer accounts from Simple to BBVA on XX/XX/2021. I, along with countless others as evidenced on XXXX, am unable to access my bank account through BBVA. I have attempted to resolve this issue on their website and by contacting their customer support phone numbers. It appears they have purposely shut off their phones based on the automated message indicating they are experiencing an issue and then disconnecting all calls. 

I am unclear why this transition was completed on a weekend and why they are purposefully preventing customers from contacting them to resolve the issues caused by this horrible transition plan.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX sold my credit account to midland funding and now is refusing to correct the date of last payment which was XX/XX/2011 or earlier I disputed with XXXX XXXX and they acknowledge and removed but I cant get them to fix XXXX and XXXX  Makes no sense why they have it on XX/XX/XXXX if they remove from one should remove from all When they sold the account they did not state correct dates and they are showing me a date with no proof of how I made the last payment so I can verify its incorrect they cant just show any date
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc (AZ)

On XX/XX/XXXX I checked my credit score and come to find out I had a water bill that was paid. I never once received any notice to my residence, nor did I ever receive a phone call. I called The Financial Network asking questions regarding the collection and they were rude. Did explain anything to me and did not want to give me any information. I called once on theXX/XX/XXXXand also theXX/XX/XXXX and they didn't want to help me both times. She was abrupt and only cared how I was going to pay. I explained that I paid in XX/XX/XXXXand she mentioned we would not have it in collections if it was paid. Also, when I spoke to the individual within the company, she asked me if I recieved anything written in the mail and she didn't say anything after I asked her why wasn't I notified and given a chance to dispute the validity.
Consumer complaint received 2022-08-26
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. (MO)

I called the XXXX and TransUnion after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX : {$26000.00}
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Intelliloan, Inc (CA)

Intelliloan XXXX  Company has intentionally Misrepresented Fact and Information on my credit report. 30 Day Late on one month payment. I have provided irrefutable evidence to Intelliloan the that Information they have disclosed to the National Credit reporting agencies is false and inaccurate, Intelliloan will not correct the Errors and Inaccuracies. 
In addition this has been an on going problem since XXXX of XXXX. Furthermore, during that time I have contacted Intelliloan on numerous occasion before my Credit Report was even effected. Also Intelliloan has provided me with letter ( s ) addressing my concerns and providing my payment history which proves that at no time was i ever late on my mortgage payments. However, when I provided that information to person or persons responsible for the accuracy of reporting my payment history to the credit reporting agencies Intelliloan intentionally dis-rearguards the information?
Consumer complaint received 2020-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A settlement account with Bank of America has been paid off since XXXX. Although I have made repeated requests to have the information updated on my credit report, Bank of America has not taken the necessary steps to address the issue and continues to reflect inaccurate information.
Consumer complaint received 2022-06-16
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. (CA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To whom it may concern, This account XXXXXXXX XXXX XXXX XXXX XXXX XXXX was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. Please delete this account. 

I have attached my ID to this letter.
Consumer complaint received 2022-06-16
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 XXXX XXXX XXXX Acct # XXXX {$430.00} $ XX/XX/XXXX XXXX XXXX  Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX Bank Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXX {$60.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXX XXXX XXXX XXXX  Acct # XXXX {$1100.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-06-16
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. (HI)

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 

Experian Accounts Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Accounts Account # xxxxxxxxxxxx XXXX Account # xxxxxxxx XXXX Account # xxxxxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxx XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 2022-07-22
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXXXXXX XXXX