davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Dorough & Dorough, LLC (GA)

The debt was being paid thru chapter XXXX bankruptcy. When we were dismissed from the bankruptcy, the HOA turned the debt over to a law firm. A judgment was entered for the debt. I contacted the attorney ( XX/XX/18 ) to dispute the amount that they said that we owed. I was informed by the attorney that she would speak to the HOA board and call me back. I never received any call back from the attorney. We were not provided with validation of the amount. Approximately 21/2 weeks later I discovered that both myself and my husband had been garnished at the same time without notice. This created extreme financial hardship because we were left with XXXX dollars in our bank accounts. I contacted the law firm and the paralegal denied that anyone had ever spoken to me even though I informed her of my telephone record ( the date and length of the call, 13 minutes and 7 sec ). The paralegal stated that they did not have my new address or any notation in the computer regarding me disputing the amount owed ( it was given to the attorney during the telephone call on XX/XX/18 ). She also informed me that both husband and wife are garnished at the same time so that they " can collect the max amount quickly for their clients '' and that they didn't care that all income was deleted and left a family in distress. Unfair practice used to collect a debt.
Consumer complaint received 2021-08-18
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: National Credit Systems,Inc. (TX)

invalid and unauthorized reporting ... I reached out to National Credit Systems to let them know about all the different laws that were broken they repeatedly hung up in my face and refused to answer or return any of my calls. There was a lady named XXXX XXXX who was handling the alleged account, who told me that an account was illegally verified and was not going to speak with me any longer about the account and every time I reached out she would answer and hear my voice and hang up.This situation has had me very upset that I was denied the chance to even dispute information and is holding my family and I back financially and even is holding me up from finding work, I wish we didnt have to reach this point but I am wanting to bring this matter up because I know I am not the only person that has been put in this situation with improper and misleading reporting.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (CA)

I have a bunch of inaccuracies on my credit report. All 3 late payments have inaccuracies that don't match with all the credit bureaus. 

XXXX XXXX XXXX XXXX account number : XXXX open dateXXXX closed date XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavilable last reported : XX/XX/XXXX Equifax : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX : XXXX XXXX  account number : XXXX open date : XX/XX/XXXX closed date : XX/XX/XXXX last reported XX/XX/XXXX XXXX : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported : XX/XX/XXXX Equifax : XXXX XXXX account number : XXXX open date : XX/XX/XXXX closed date : unavailable last reported date : XX/XX/XXXX Open dates don't match closed dates don't match last reported dates don't match. 

XXXX : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX XXXX : XXXX  account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Equifax : XXXX account number : XXXX open date : XX/XX/XXXX closed dated : unavailable last reported date : XX/XX/XXXX Account numbers don't match Open dates don't match closed dates don't match last reported dates don't match. 

I want these deleted off my report I contacted all XXXX bureaus about this issue and nobody has done anything about them. By law if they are inaccurate they have to be removed. Thank you have a blessed day.
Consumer complaint received 2018-02-08
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 — Investigation took more than 30 days
Company: AES/PHEAA (PA)

I have sent several letters to the three reporting agencies and to AES/PHEAA about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called AES/PHEAA on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? AES/PHEAA should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.
Consumer complaint received 2018-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and TransUnion credit services are reporting different account histories. TransUnion is reporting from XX/XX/XXXX to current, while XXXX is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. XXXX  is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while TransUnion is less days late. XXXX said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.
Consumer complaint received 2022-01-11
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. (PA)

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by TransUnion a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by TransUnion a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by TransUnion with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n TransUnion is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer report.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I was impacted by Covid-19 and because of the impact a payment on a loan was reported late to the credit bureaus. I attempted to contact the creditor to inform them of my Covid-19 impact and was unsuccessful in doing so. The creditor is XXXX and is reported as XXXX XXXX BANK. Other creditors were contacted and responded in time, however XXXX has refused to cooperate. I have attached a copy of a letter from another creditor who did respond to my Covid-19 impact statement and removed a late payment. A copy of my photo ID is also attached to this dispute.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I have a long time joint acct with my brother, he passed away on XX/XX/2022. 
I called to have the acct. closed on XX/XX/XXXX and they were to forward me the balance, on XX/XX/XXXX I called again as i have not received the funds, after being on hold for 1 hour, I was told I need to fill out paperwork at their office and get a court order to become an executor. 
I don't understand this as i have been a joint owner of this accout for many years. 
Please help me get these funds. 
Bank of America balance due to me XXXX
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tally Technologies (AK)

Three months ago I decided to have a unified platform to monitor my credit cards. I came across Tally on their website www.meettally.com. I downloaded the app and created a profile. The company suggested me a line of credit. I completed the application and did not use the account at any time. 

Few weeks later, I began receiving multiple email and text messages claiming payment. I ignore them because I never used a credit card without full knowledge. They persisted and when I called, I was informed that Tally had paid my credit cards XXXX XXXX  XXXX XXXX ) on my behalf. I asked when and why. I was told that that's how they work. I replied that I never asked for such service therefore will not be responsible for any such debt. 

I proceeded to call XXXX XXXX XXXX and was informed that my credit card was overpaid. That was shocking to me. I asked XXXX to send the money back to the company that paid it. The bank declined so I requested that they close my account if I am not protected from predatory landing. 

Tally company is now harassing me with phone calls and text messages. 

Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2018-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (DC)

On XX/XX/2018 I applied for a {$500.00} loan and I received the money the next day XX/XX/2018. I didn't receive any paper work about the loan or repayment schedule. On XX/XX/2018 I went on line to get some information and it showed my payment of {$140.00} is due on XX/XX/2018., for l8 months. I would have to {$2600.00} on a {$500.00} loan. Please assist me.
Consumer complaint received 2020-01-24
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)

There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and TransUnion are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

While negotiating a loan modification with Wells Fargo back in XX/XX/XXXX, my home was put into Foreclosure in error by Wells Fargo ( Dual Tracking ). I fought the Foreclosure with two Chapter XXXX filings ( XX/XX/XXXX, XX/XX/XXXX ) which provided an automatic stay while Wells Fargo and I worked on several HAMP Loan Modifications. When 3 successful trial payments are made to Wells Fargo, they intentionally neglect the structural issue ( XXXX ) in the home and provide false appraisals based on Comps. WF continues to this day in not doing an actual on sight analysis and are back to square 1 and starting over. The first chapter XXXX ( XX/XX/XXXX-XX/XX/XXXX ) was successfully completed with Wells Fargo not receiving anything from the Trustee because they were aware that the loan mod was being worked on during the duration. This process continues with the new chapter XXXX filing ( XXXX-present ). A HAMP Modification was completed in XX/XX/XXXX but the final paper work revealed errors and flaws and I stopped making independent payments after 2 months. All I want is for Wells Fargo to recognize the structural issue and reflect it in the actual appraisal. We were awarded damages by the National Settlement for Improper Foreclosure Filing back in  XX/XX/XXXX.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (CA)

Alliant Credit Union offers a cash back rewards program. I had saved up {$2100.00} in rewards. I went to redeem it but never received my money. They claim that they have a technical issue and have refused to credit me while they investigate. They simply say it will take them weeks to look into it with no resolution to a loyal customer. I'd highly recommend staying away from doing business with them.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (PA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit report. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian continues to report 2 bankruptcies on my credit file both are showing as a Chapter XXXX one filed in XXXX and discharged and then another filed XX/XX/XXXX. Please note the one filed is past the statue of limitations and should not be reporting now and the other is not correct. You can not file a chapter XXXX again for 8 years! There is no way XX/XX/XXXX is accurate! They do not seem to know that the guidelines are for bankruptcy or they would know is this a huge mistake!!!!
Consumer complaint received 2022-04-29
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 the following companies have violated my rights : Accounts : XXXX XXXX XXXX XXXX {$1600.00} {$0.00} XXXX XXXX XXXX XXXX {$220.00} {$220.00} XXXX {$200.00} {$1300.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} {$0.00} XXXX & XXXX XXXX XXXX XXXX {$140.00} {$0.00} Inquiries : XXXX Banking XX/XX/XXXX XXXX Bank Banking XX/XX/XXXX XXXX Banking XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C. 1681 section A. States that I have the right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-11
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: ALLY FINANCIAL INC. (IL)

Ally Financial apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my XXXX  credit report.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, a Debit card arrived at our home address for our new USAA checking account. Problem is, we did not open a checking account with USAA. I contacted the number on the card and explained that this was very suspicious since this account was not opened by us. 

The customer service person was very nice and said we need to speak to a specialist, but suggested we call back early in the morning since wait times could be up to 3 hours for a specialist. We call back about 7:00 am the next morning only to be told ( via recorded message ) that the wait time was 12 hours. The next morning we tried again and wait time was 9 hours. 

I reached out to USAA on their XXXX page and sent a message. Since XX/XX/XXXX, I have messaged them several times. Often the response is " someone will get back to you ''. As of today, XX/XX/XXXX, I have still not heard from them. 

This is very alarming to me being that they were recently fined for not safeguarding against fraud. Most checking accounts have to be opened using a Drivers License, so if a copy of our license was used, I have big problems. But without hearing from them, I have no idea what is going on. Please Help.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

I notified Suntrust ( Truist ) bank on XX/XX/XXXX of an unauthorized debit by XXXX on my account. This notification was done through my online banking. Notifying the XXXX was done quite easily with a few keystrokes. Never during the process was it stated that by submitting a unauthorized transaction report would cancel my debit card & access to my account. I was not notified by the bank that this had happened until I was not able to buy groceries today because my card was deactivated without my consent or knowledge. 
I spoke at length with a XXXX XXXX XXXX XXXX XXXX ( XXXX ) who was unable to reactivate my card or provide a way to access my funds before NEXT week. I believe they did not follow Regulation E or they did not follow the spirit of Reg E by not notifying me prior to me finalizing my unauthorized report or by contacting me via phone or email or text ( all info they have ). I am ( was ) a XXXX year customer and am now going into XXXX XXXX XXXX weekend & moving kids out of college with no access to my money via ATM/debit purchases, etc. Please help make sense of this or help me access my money. Thank you for any support you can provide.
Consumer complaint received 2024-02-23
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.