davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo advertised a {$200.00} new customer sign up bonus if I met terms of using debit card 10 times a month for at least 3 months. They refused to pay out my {$200.00}.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

This is XXXX XXXX XXXX, and I'm sending this complaint by myself. I'm not swayed that the Bureaus and creditors were efficiently pleased with the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on WELLS FARGO. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : WELLS FARGO XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$1400.00}
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following companies XXXX XXXX XXXX, XXXX/XXXX   were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (KS)

I have contacted the company Ad Astra about this debt. I have explained in great detail that this account is not mine. I have had an account w/speedy cash but that account has already reported to my CB report and is a totally different amount. I never had two loans. I was never even notified of this debt. I never received a call nor letter verifying the debt nor advising me of this debt being owed. If I wouldnt received notification of the debt. I wouldve had the opportunity to Dispute it and verify it but being my account. I was not given that fair collection opportunity and because of it. My credit is being ruined. I have been denied housing, and my job is at stake. I would like this debt removed and verified from my credit report. This company never sent me notice. I called them about another account I actually have and never got notice on as well and two months later. They billed this collection to my credit report. NO NOTICE or verification of debt. They never requested payment or anything. They are very rude and nonchalant when I call their office. I have asked for verification I also filed a Dispute w/credit bureau. Still no verification or update. This derogatory reporting from this collection agency is invalid. I did not take out this big loan a year or two years ago. I would really like to see this handled properly and being removed before causing anymore damage to my credit report.
Consumer complaint received 2021-12-10
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. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-11-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (IL)

SEQUIUM has taken the debt collections from XXXX XXXXXXXX XXXX  XX/XX/2020 was place back on my credit and it was resolved by the company called XXXX money it was removed and resolved and now it's been place back on there so I will like to file a compliant and a lawsuit for harrasments.
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

I was contacted by PHH mortgage in the XXXX  of XXXX to inform me that I did not have an active insurance policy from XXXX of XXXX through XXXX. They planned to charge me approximately {$1400.00} for a back-dated insurance policy. Turns out my homeowners insurance, home site, had sent XXXX multiple invoices for payment in XXXX that were never paid and my policy was subsequently canceled unbeknownst to me. My policy that was cancelled was approximately {$650.00}, and I had to create a new policy this year. XXXX now expects me to pay more than twice as much for a policy because of a mistake that they made. The whole reason I have an escrow account is so that insurance payments are taken care of. I've called them multiple times throughout the XXXXXXXX XXXX XXXX XXXX I finally got a call back from someone saying that it was going to go to their investigation department and that she would follow up. Of course I never heard back from them, and they apparently expected the problem to go away. Now I get notifications that my escrow account has a negative balance and my mortgage is going up all of which are domino effects from the initial problem that they caused. I should not be responsible for this, I would like them to credit me the difference in the policy amounts.
Consumer complaint received 2022-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize or consent to the following inquiries that are listed on my Transunion consumer report on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates had marked my credit reports as failed to pay on two separate accounts. I had paid PRA for the XXXX XXXX account on XX/XX/2016 in the amount of {$600.00}. Yet they had marked my account as failed to pay in XX/XX/2016. Also they had marked another failed to pay on the other account. I had paid PRA on XX/XX/2016 in the amount of {$950.00} and they had marked that account as failed to pay in XX/XX/2016. That account was with XXXX. Both of these accounts are through XXXX XXXX and handled by Portfolio Recovery Associates. This information listing as failed to pay is Not accurate.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX  XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00}
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (NC)

I opened this account as a loan in XX/XX/XXXX at the total finance charge of XXXX. Since then Prestige has been paid over XXXX. The car book valve was XXXX in XXXX for the XXXX XXXX. It was agreed to pay a total of XXXX. 

Prestige Financial has been paid more than XXXX from myself, XXXX XXXX XXXX XXXX, GAP Insurance and XXXX XXXX XXXX Car lot. I was in a car accident on the job on XX/XX/XXXX in which the car was declared totaled. The accident was the fault of the other party who admitted the car accident was her daughter 's fought in the accident I received a sprang back and could not go back to work. 

The insurance company paid the book value of the car which was over XXXX, GAP insurance paid over XXXX, XXXX XXXX XXXX paid XXXX, and GAP paid an additional XXXX. Prior to theses payment I had already paid Prestige over XXXX. At the time of the accident the book value of the car was only XXXX. 

The car was sold in XXXX by the insurance company. I do not have possession of the car nor have assess the the title of the car. Prestige can not provide me with a contract after receiving full payment of this vehicle.
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I am a Secured Party Creditor, I am the Executor over the trust, I have a NOTARIZED Private Security Agreement filed on record with the United States. A trust is mentioned in the FAQ of Bridgecrest Credit CoXXXX A trust document was sent to them with a Private Registered Setoff and Discharge Bond ( tracking # 's included ) to discharge the debt. A photocopy of the green card sent by certified mail ; the Secretary of the Treasury XXXX XXXX received ; to discharge the debt. A copy of the HJR 192 Bill that was passed XX/XX/1933 ; proof to discharge any debt dollar for dollar. I accepted for value with signature UCC 1-308...
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

In XX/XX/XXXX a delinquint XXXX account hit my credit report. I have never been a customer of XXXX. I contacted XXXX and they were very unhelpful, hung up on me multiple times. I froze my credit, filed the fraud report with all of the major credit bureaus, filed a fraud report with XXXX  ( no response ), and filed a police report. After I explained all of this to the debt collection agency ( XXXX ) they agreed that I was a victim of identity theft and said they would cancel the debt. The major credit bureaus agreed and removed the debt from my credit report. 

Fast forward to XX/XX/XXXX and the same delinquent account shows up on my credit report, this time the collections agency is XXXX XXXX. XXXX had tried to collect the debt of an identify theft victim! A quick call to XXXX XXXX and the major credit bureaus and it was again erased from my credit report. 

Today, XX/XX/XXXX. I receive a letter now from IC Systems saying they will put the SAME XXXX   DELINQUENT ACCOUNT on my credit report if I don't prove to them it's not my debt within 30 days. After filling out the complaint online it just sends me to XXXX  antiquated fraud form that falls on deaf ears. This is clearly harassment by a major corporation of an identity theft victim!
Consumer complaint received 2018-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was alerted from XXXX that a new inquiry was placed on my credit from Kohls yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.
Consumer complaint received 2022-12-16
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. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2019-08-06
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. (TX)

The following companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Consumer complaint received 2024-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Opened Marcus Savings Account XX/XX/year>. 
Transferred funds XX/XX/XXXX and account showed funds were cleared XX/XX/XXXX. 
XX/XX/XXXX made a transfer request of {$3000.00} to an external checking account and transfer was successful. 
XX/XX/XXXX made a transfer request of {$5000.00} to the same external checking account. 
XX/XX/XXXX received phone call from Marcus Bank Representative stating the transfer of {$5000.00} could not be completed. When I inquired the reason it was stated because the account was just opened the funds would be held for an indefinite period of time. They stated it was on page 7 of the DDA, but when I asked them to read it to me, it was not clearly stated. But they informed me if I transferred it back to the original account that funded my Marcus Savings account that would be possible. I stated that made no sense that I could transfer to one account but not another. I asked to speak to a supervisor. Supervisor told me because it was a high-yield savings account funds should be kept long-term. I asked why I was able to make the first transfer without any issues and she stated because the computer did not catch it. Then she asked multiple times what I thought would happen if I was transferred to a supervisor when it was already explained to me that the supervisor would not be able to do anything. A completely irrelevant and rude question. 
MARCUS BANK FAILED TO PROVIDE IN WRITING WHY MY TRANSFER COULD NOT BE DONE AND REFUSED TO GIVE ME A DATE WHEN MY FUNDS WOULD BE ABLE TO BE TRANSFERRED. THEY ARE ESSENTIALLY HOLDING MY FUNDS HOSTAGE WHICH I AM CERTAIN IS NOT LEGAL. THEY MARKETED THEIR SAVINGS ACCOUNT AS IF WITHDRAWALS/TRANSFERS COULD BE MADE AT ANY TIME BUT DID NOT DISCLOSE THAT THEY CAN HOLD ONTO MY FUNDS FOR HOWEVER LONG THEY WANTED WITHOUT LEGITIMATE REASON.
Consumer complaint received 2024-05-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I bought a gift card in the amount of {$200.00}. I tried to use it in many stores, in person and on- line, was declined always. Was told by the company it is because it is not linked to a zip code. I requested a refund on XX/XX/XXXX, was told it could take up to 3 weeks. Still have not received it, every time I call to check on the refund I am given a different story by a different person. Still no refund.
Consumer complaint received 2022-12-16
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}.
Consumer complaint received 2021-12-10
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: Santander Consumer USA Holdings Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

The following companies XXXX XXXX XXXX  were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports