davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MS)

On XX/XX/XXXX I submitted a dispute to the CFPB ( XXXX ) against Ally in regards to Ally reporting an account past the seven year statute of limitations. Ally responded on XX/XX/XXXX. It had an attachment that contained several pieces of paperwork. In that paperwork it included a payment history of the account. The payment history displayed the first date of delinquency occurred in XX/XX/XXXX. XXXX 's law dictionary defines delinquency as " a debt that is overdue in payment ''. ( XXXX 's law dictionary, n., XXXX, XXXX XXXX. ) XXXX from XXXX XXXX XXXX stated that the first date of delinquency is on XXXX XXXX. She also states that the information will remain on my credit report. This is a direct violation of federal law and Ally is willfully violating federal law. Ally is aware of the first date of delinquency because Ally provided the paperwork with the first date of delinquency. I have attached the letter Ally representative wrote and the payment history that was included.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

In XX/XX/year>, my student loans were transferred from Nelnet to XXXX and my account was closed at Nelnet. I have since started making payments at XXXX. However, my XXXX credit report continues to report my account as open with the full balance at Nelnet AND XXXX, effectively doubling the amount of student loans on my credit report. I have submitted disputes with XXXX but they have told me that Nelnet is reporting the account is open with a balance. XXXX and XXXX have the information correct so Nelnet has reported my account as closed previously. I suspect the issue with their reporting to XXXX is clerical but Nelnet refuses to address this. I have been on the phone multiple times with Nelnet to try to resolve this. They have stated my account is in " suppression '' and there is nothing they can do about the credit reporting. They have not given a clear answer on why my account is in " suppression '' or why that means they are unable to correctly report the balance to credit bureaus.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, N.A. (TX)

I received COVID-19 loan forbearance from XX/XX/XXXX- XX/XX/XXXX. Per the U.S. Department of Housing and Urban Development 's COVID-19 Recovery Loss Mitigation Options Mortgagee Letter XXXX, mortgagees must waive all Late Charges, fees, and penalties, if any, as long as the Borrower is on a COVID-19 Forbearance Plan. 

In XX/XX/XXXX, I was charged a late fee of {$50.00} that to my knowledge hasn't been reversed, and additionally, I was reported 30 days late to the credit reporting agencies. It also appears for some reason there was no reporting for XX/XX/XXXX, which should have been reported as current. 

Please report as Current for XXXX and XX/XX/XXXX, and credit my account {$50.00} for the late fee that was charged in XXXX. This is affecting my credit score and ability to get better interest rates.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Received a refund on XXXX from XXXX to closed account with chase. XXXX stated that refund has been received and hasn't been rejected by chase. Called chase several times providing information in regards to the refund and was informed no transaction have posted or attempted to post but received a reference number from XXXX showing chase has accepted the fund and haven't issued a refund to me in the amount of the credit from XXXX.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (OH)

The first time I heard about this issue I received a call from a female stating I owe money for an apartment in XXXX, Ohio. I informed the caller I never tried to rent an apartment in XXXX, Ohio. The caller said my son was renting the apartment and I informed the caller that had nothing to do with me, my son is a grown man and is responsible for himself. I also informed the caller I had no knowledge of this business transaction, I didn't talk with anyone or sign any documents. the caller was very rude and said I will pay or my credit will be damaged. Therefore she placed a collection on my credit report which is unfair to me.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I opened a TD Bank checking account on XX/XX/XXXX and closed it after six months. I reopened the account on XX/XX/XXXX. Account to promotion agreement on their website, '' Offer is available to a new personal checking account at TD Bank with the preceding 12 months '', I believe I qualify for this offer. The KEY words are customers who do not have an existing or prior with the preceding 12 months. I did not have an account with TD Bank in the past 12 months before I reopened. I met the offer criteria. I had tried to contact the representatives through the security message, and they did not solve my problem. They told me that I do not qualify because I received a bonus on a prior account.
Consumer complaint received 2020-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (MO)

A collection appeared on my report on XX/XX/2019, and they are demanding {$5200.00} in which i do not owe. i am not sure where this came from or what this is but it is significantly affecting my reputation. this must be investigated and fixed. there are several other accounts involved also.
Consumer complaint received 2021-05-30
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: CITIBANK, N.A. (TX)

I filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2018-05-06
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. (CA)

I filed a dispute regarding a bankruptcy reported on my credit to Transunion and asked them to show me were it is verified. they have written me a letter stating that they investigated it and it has been verified as accurate but they have failed to provide me with any sources of verification. I have attached the letter that I sent to them in regards to this matter
Consumer complaint received 2019-06-03
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. (CA)

FEW INACCURATE AND FRAUD ACCOUNTS ARE REPORTING UNDER MY EQUIFAX CREDIT REPORT. I HAVE BEEN DISPUTING AND NO ANSWER, THEY HAVE NOT BEEN HELPFUL WHAT SO EVER, THEY HAVE PLACED DISPUTE MANY TIMES BUT INACCURATELY AND EBEN SOMETIMES NO DISPUTED HAVE BEEN PLACED, PLEASE FIN ATTACHED MY POLICE REPORT AND THE FTC REPORT FILED. AND HAVE THESE TWO INACCURACIES REMOVED THANK YOU
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-14
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is a fraud, and I will publish a new complaint everyday until my problem is actually handled. I had {$2000.00} stolen from my account and they dont care. They didnt bother to do any investigation. They continually tell me the same thing. Contact us to see what we used to research the claim. But they cant send anything because no one did any research. No one reached out to me to provide more information or to ask me about the charges so how could they testify that they completed a thorough investigation. And who completes a thorough investigation in two days? The company is just a fraud, and no one is of any help at the bank. Probably because Im an XXXX-American woman, had I been XXXX, my case would have been solved in my favor and Im sure of it. No one treated me with any kindness or regard to my money being stolen. Dont ever bank with this XXXX, company. I will be complaining everyday on CC, and social media platforms until I have my money back. I mean every single day. This is ridiculous.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UNITED STATES MINOR OUTLYING ISLANDS)

XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach may have got into the hands of the wrong person. I am begging for help at this point. 

I demand these accounts be deleted immediately or I will pursue litigation. 

On XXXX XXXX XXXX  XXXX  XXXX XXXX add a derogatory mark on my credit report per XXXX, XXXX  and XXXX  upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX  XXXX  XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I have a mortgage with XXXX bank out of XXXX, Ohio. I have been trying to pay off the mortgage over the past six months with large payments of {$10000.00} to {$15000.00} as my bank CD 's mature. 53 has repeatedly refused to credit my payments to the principal and kept using part of my payments for forthcoming regular mortgage payments despite my clearly stating on the checks that these payments were solely to reduce the principal only. This resistance to customers trying to pre-pay mortgages is apparently a regular business practice of this bank as other complaints to sites like the XXXX also note they vigorously resist pre-payments. Most recently I made a payment of {$15000.00} via a check which was cashed by them on XX/XX/20 and has cleared my bank and they failed to credit this to my principal or anything else. They first admitted a mistake, but have never fixed it despite repeated written complaints and telephone calls to them. Essentially, as it now stands, the existing circumstances is that they have stolen {$15000.00} from me. I am aware of your pending lawsuit against them for deceptive practices and this kind of act by them seems to fall right into a similar category.
Consumer complaint received 2022-03-01
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: Social Finance, Inc. (TN)

I am writing an update to complaint # XXXX against XXXX and complaint # XXXX against SoFi. On XX/XX/2022, I contacted XXXX to find out why I have hard credit inquiries on my credit report, request a dispute, and start the error resolution process. XXXX insisted I had to contact SoFi to resolve it. XXXX refused to do anything but claim they would start a fraud alert. XXXX did not provide any documentation of the fraud alert. Since I should not have any accounts with SoFi, I felt reluctant to give up my personal information. I contacted SoFi to try to find out why they abused my financial information & placed hard inquiries on my credit report. Staff were able to identify some erroneous account information & claimed that SoFi would perform a fraud investigation and/or fraud review. On XX/XX/2022, I returned to my flat & saw envelopes from SoFi in my mailbox. I opened to see an actual credit card that erroneously claims I am a member since 2022. I had another envelope containing a pin # for the credit card. Since I already called SoFi on XX/XX/2022, & have not received anything documenting the reported fraud, I am submitting this regulatory complaint so that SoFi can understand that it is a serious violation to initiate a brand new line of credit and credit card through abusing an individual 's financial information. Please let me know what you find out from SoFi. Thank you, XXXX XXXX
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC, XXXX I have informed this debt collector, Credit Collection SVCS, in writing that during the validation process this alleged account should not be on my consumer report since it has not been validated and contains inaccuracies. Yet, this alleged account that has not been validated and contains inaccuracies is still reporting on my consumer report, which is an act of fraud. I can only assume that this is also an act of constructive fraud against me, a consumer, being that the reporting of this alleged account is in violation of the FCRA, FDCPA, and is a defamation of character. As a consumer I am requesting that Credit Collection SVCS removes this invalidated and inaccurate alleged account immediately. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Being that you are the information furnisher I am also aware that it means you are subject to the regulations of the FCRA, and oftentimes creditors, have a tendency to say that they are required by law to report alleged accounts to a consumer report, which is incorrect and misleading. Legally, you do not have the right to furnish anything to my consumer report without my written instructions to do so. Also, no consumer report should include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A consumer report should also not include information solely about transactions or experiences between the consumer and the institution making the report. Please review the copy of the FCRA from the FDIC for your recollection.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION (CA)

My mortgage with California Bank & Trust was in forbearance due to XXXX. I resumed making payments on XX/XX/21 & have made a total of 6 payments since then. I have made numerous efforts for the bank to modify the loan & add the forbearance amount to the back end of the loan & to reduce the monthly mortgage payments. I have filled out all papers they have requested numerous times. They keep giving me the run around & keep coming back asking for more documents & many times the same docs as they keep saying the docs submitted have expired. All mortgage communications are done on line & it is very difficult to get anyone at the bank with real knowledge to help out. The ones who I have talked to keep giving incorrect information. I have even gone in to their local branch where the branch manager has tried to help in vain. Not only this, the bank has put negative remarks in my credit report. All I am trying to do is get the bank to modify the mortgage which was in forbearance under the CARES Act due to the XXXX pandemic. Instead of making the process to modify smooth & simple, they are doing everything to stall it, frustrate their customer and make the process impossible to complete. I am finally writing to you to plead my case so that California Bank & Trust will do the right thing by modifying the loan and remove the negative remarks they have added to the credit agencies.
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX  XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-11-02
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. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NJ)

Security credit services have failed to follow the fair credit reporting act. It has reported a {$6000.00} bill to the credit reporting bureaus that isnt owed. Please have the creditor delete this from my report. The charges are frivolous. More importantly, the mere failure to follow the correct procedures require the item to be removed from my report.
Consumer complaint received 2021-05-30
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. (GA)

On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX ( same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my XXXX, Equifax, and XXXX credit reports. One pull was authorized the second pull was not authorized.