davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-13
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: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and XXXX XXXX continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. XXXX XXXX has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with Experian and it is still being reported by Experian and has caused my credit rating to increase then decrease each time XXXX XXXX updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that XXXX XXXX is continuing to make entries on my credit report maliciously. I also feel that Experian has not researched the debt correctly and has continuously allowed XXXX XXXX to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.
Consumer complaint received 2022-07-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not believe that an investigation was done because there is still a late payment reporting for XXXX  XXXX XXXX and I was never late. I have not received anything validating that I missed a payment. I have tried to get this updated months ago and have had no response. Please explain how you're reporting a late payment when I was never late on this account. Please update this account to paid as agreed, never late.
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On or around that of XX/XX/XXXX I discovered that my debit card was used in an unauthorized manner. I then filed a claim with Wells Fargo. They, on XX/XX/XXXX, denied my claim and refused to refund my money nor to provide me with all documents related to my dispute. 

I too submitted inquiries and other things to XXXX and XXXX with no response back. 

They were requested to provide the video camera, transcripts, and everything they had related to claim number XXXX. 

In such claim, I disputed as unauthorized ; CheckingAccountXXXXDisputesasfollows ; XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$60.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXXXXXXXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} And ; SavingsAccountXXXXDisputes ; XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX  {$60.00} XXXXNON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WELLSFARGOATMTRANSACTIONFEE {$2.00} XX/XX/20NON-WFATMWITHDRAWALAUTHORIZEDONXX/XX/XXXX XXXXCARDXXXX {$120.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXXXXXX {$2.00} XX/XX/20NON-WFATMBALANCEINQUIRYFEEXX/XX/XXXXCARDXXXX {$2.00}
Consumer complaint received 2022-09-23
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. (TX)

In accordance with the Fair Credit Reporting Act, 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 and I did not give any written or oral instructions to do so.

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 purpose.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I recently obtained copies of consumer report from both Lexis Nexis and XXXX XXXX. They're reporting multiple discrepancies on my credit report that is defaming my character. Under the FCRA, I have the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Request that Lexis Nexis and XXXX furnish notification of the deletion of all disputed information.
Consumer complaint received 2022-12-03
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (FL)

I originally signed up for a XXXX in late XX/XX/2022 with the intention of receiving {$250.00} for a sign up bonus that this bank was offering. I met the requirements by depositing {$1000.00} on XXXX & XXXX which met the requirements as stated below : " *Disclosure : Receive {$250.00} when you set up direct deposit to your Spend Balance and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within XXXX days of opening your XXXX Relationship. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your XXXX XXXX within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive. '' XX/XX/XXXX would have been the XXXX day and the {$250.00} was credited to my account and no one on the XXXX seems to know why. 

It is important to note that XXXX 's current disclosure states that within 90 days it will be paid out but when I signed up the above agreement was the one provided. I have attached screenshots of transaction and disclosure.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 
You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts My rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Consumer complaint received 2017-05-31
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. (MD)

After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the  Presidents of the  companies via email ( all who had a Representative call me very quick ly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said that they were mine but without any form of verification.
Consumer complaint received 2022-02-14
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. (MD)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 2019-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I bought a new XXXX XXXX  XXXX from the dealership and signed a contract to pay them x amount. I now, 5 months later, owe more than I borrowed from USAA Federal Savings Bank in XXXX XXXX, XXXX   and have made no principle payments while I put XXXX miles on the vehicle. Hard to say but it's probably close to $ XXXX in principle and equity I have lost. The only options I had for payments for the past 4 months was to pay the entire balance until this week where I can now start making regular payments, every 2 weeks. I have called USAA 5 times about this with no resolve. I heard it is illegal to charge someone interest without giving them the option to make payments and bring the balance down. They did not give me that option. They took the dealers check, which still didn't solve the problem and used it to make the first 4 months payments on the additional amount I never borrowed???????? Even then the balance was still more than what I borrowed. They tried to blame the dealership but they received from the dealership a signed contract with the balance due and should have never charged me anything over what I agreed to pay, nor should they have been charging me interest on anything over the past XXXX XXXX months. To this day I have never been able to get the balance due down to the original loan amount. This is completely unfair and there's nothing I can do about it. You need to change the laws to protect consumers. Tell everyone in the country that if this happens to them there's nothing they can do about it if they live in another state as their bank headquarters. It's completely ridiculous. Or you need to change the law and not allow people to use out of state banks for this reason. Now the bank won't even talk to me about this.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Social Finance, Inc. (DE)

On XXXX I received notice via email that Sofi sold my bitcoin holdings held with them. I did not request this. I do not owe them money. The assets were not on margin. They sold them at a loss, incurring harm to me and causing an undesired tax effecting event.
Consumer complaint received 2022-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I disputed this US Department of Education account through all three credit bureaus. They all came back and stated that they " verified '' the information. I went directly to XXXX who was the alleged " reporting third party '' and they found that this account could not be verified and have since deleted it. However, the credit bureaus are still reporting this information as " accurate '' and defaming my character.
Consumer complaint received 2021-06-13
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. (CO)

On XX/XX/2021 I sent a letter to the credit bureaus requesting that the information regarding the charge-off balance be REMOVED along with the monthly reporting. Also the debt is past the " statue of Limitations '' for credit reporting. Nothing has been done nor have they responded to my request. They are in violation of my rights to fair reporting ( fcra ).
Consumer complaint received 2015-09-16
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (MS)

On XXXX XXXX, 2015 @ XXXX XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a second address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & second address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.
Consumer complaint received 2022-09-23
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)

In accordance with the Fair Credit Reporting Act, 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 and I did not give any written or oral instructions to do so.

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 purpose.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (PA)

I purchased a vehicle ( XX/XX/XXXX ), in which Ally Financial agreed to finance. On XX/XX/XXXX I contacted Ally Financial to inform them that my on-time auto payments were not being reported to XXXX, XXXX and XXXX and I was told it should be reporting within XXXX days ( conf. # XXXX ). After several months of attempting to clarify situation I then continued to follow-up with XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ref # XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XXXX # XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX  And XXXX ( XX/XX/XXXX ), Ira XXXX XX/XX/XXXX ), XXXX & XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ) all on XX/XX/XXXX XXXX In all instances I was told my account should be reporting anywhere from XXXX business days. As of XX/XX/XXXX Ally Financial is still not reporting my on-time auto payments and it has caused tremendous stress, financial strain and the inability to move forward financially.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

Someone took my wallet, and other merchandise at XXXX XXXX XXXX about 3-4 weeks ago. I have had my cards compromised, and as a result, my XXXX XXXX XXXX  has been taking as well too. I have a credit card thru apple goldman sachs. I have paid over {$1000.00} dollars in the past two to three months paying triple the amount of the monthly limit, and now they will not activate my card knowingly I dont have my XXXX, and even when I had the phone will not unrestrict the card because XXXX XXXX and his family have been slandering my name, causing complete madness in my life out of jealousy and greed. I cant get goldman sachs to unrestrict my account because they keep telling me the only way to unrestrict the lost card which they replace for me three days ago is to verify my indentity thru my XXXX which I cant do because somestole that device, and now they keep threating me to pay and yet will not allow me too use my card when I have XXXX left revolving credit out of people, XXXX XXXX, XXXX XXXX, and XXXX XXXX have stolen my passwords by installing wifi cameras in my office, and have slandered my name so bad that they will not unrestrict my card unless I give the a temp pass code sent to my XXXX knowingly it was stolen with my wallet. I have called numerous times too goldman sachs thru my business telephone number XXXX XXXX XXXX thru XX/XX/2021 thru XX/XX/2021. They make me verify my identity over and over and never unrestricting my account and giving me access too my credit card so I can replace my phone, pay my liabilities too my business, and purchase the home that I was in the process of buying from my sister fiance name of XXXX XXXX. His siter and cousin have tampered with my business accounts, have put cars in the garage so I can operate my business and have tried too make me fail, and now have tampered with my personal lines of credit and will not allow me too use my card trying too make me fail, and goldman and sachs will not listen too me.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (DE)

The Sofi Money Checking & Savings account are frozen and were done so without notice. I contacted Sofi on XXXX.2022 via telephone which resulted in being transferred twice, ultimately ending up at a voicemail box of the security department with no resolution of the issue.