davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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. (IL)

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Well Fargo has sent me a customer remediation check for the closing XXXX my accounts with them and has not compensated me for the unlawful violations they have made upon me and my financial ability. In the letter sent to me they stated they assessed service fees and admitted to causing me damage because of funds they stole from my account and closed.
Consumer complaint received 2019-08-15
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. (WA)

XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are not my accounts, I did not sign up for an account with these creditors. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed two claims with my bank ( Bank of America ) one was for XXXX and the other was for XXXX I went on vacation and came back home and checked my online banking app to see XXXX cash and XXXX transactions that were not made by me I called the bank to resolve this and file a complaint they paid me my first refund of XXXX I believe and still to this day have not gave my XXXX refund back yet its been XXXX business days this is ridiculous I should have to worry about my money being stolen from my bank which is supposed to protect my money. I have kids and a car to pay of and rent to pay
Consumer complaint received 2019-06-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I recently applied to " remove '' a cosigner from my private student loan. On XX/XX/2019, I received a " denial '' to do so. The reason that I was given was : On two ( 2 ) occasions, you were late paying your monthly payment. I candidly responded, " I do remember, but my reasons were : # 1. My purse was stolen and my debit card was in the purse. I immediately reported the " theft ''. It took 3-5 business days for me to get my " new '' card. In the meantime, when Navient went in for payment, it was " rejected ''. I was not aware until I received a phone call. # 2. One of my check books was stolen from my office drawer by a custodian. He admitted to writing ( 2 ) checks before I discovered the check book was missing. I immediately closed my checking account, and had to wait before opening up a new one because I had outstanding checks.. I guess in between this time, the payment was rejected also.

If you check my payment history, I have NEVER missed a payment and have been consistent with paying. My credit score is over 700, that should count for something. I have been paying this loan for years and I am seeking FULL responsibility and now I am being rejected and penalized for ( 2 ) late  payments that was not my fault and I am seeking some relief. I am in good standing. Why am I being rejected? Please consider this letter of complaint and honor my co-signer release. 

I am not being difficult, I just feel rejected for something that was beyond my control. 

Thank you.
Consumer complaint received 2022-04-27
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. (NJ)

I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in my account,
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
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. (CT)

When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXs Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have two accounts with Bank of America. I get regular emails, text and all sort of communications from them. 

I never got a notice that I was an overdraft in one of them ( small amounts, mostly recurring fees from the bank itself ) However, I did get a notice they were closing my account. 

How come they do not contact me to alert me that the account was low, but they DID contact me to close the account ( and collect the small amount )
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I need to do a temporary freeze lift in order to change phone companies, which will save me more than {$300.00} per month. Both XXXX and XXXX made this available. Experian made it absolutely impossible to talk to a live agent and required a LETTER mailed to them with the request for a freeze pin included in the letter needed to be a copy of my drivers license and a utility bill. I mailed them the letter with all the information and copies included. It is now 3 weeks and I have still not heard anything back form them. I am now in danger of losing the better phone deal which will cost me more than {$3000.00} annually!!!
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (IL)

I have a line of credit with Upgrade Card. My credit limit is {$4000.00}. My balance is {$3900.00}. My interest rate is 29.49 %. My first payment due was {$170.00}. I made a {$170.00} payment on XX/XX/XXXX which has yet to have been applied to my account. When I called the company I was told that {$160.00} of the {$170.00} was applied to interest. 

If my interest rate is 29.49 % then with a balance of {$3900.00} that would mean my monthly interest rate would be about {$98.00}. None of the payment I made has been credited to my acct. I still have a balance of {$3900.00}. The only credits my acct has received is a {$1.00} rewards payment on XX/XX/XXXX and a {$4.00} rewards payment credit XX/XX/XXXX The company stated, when I called XX/XX/XXXX XXXX am CST, that they would forward my concerns to customer advocacy who would reply to me within 2 business days. I never received call and a credit still has not been applied to my account. 

Since my first payment was made the monthly payment ( after I made a complaint ) has increased by {$10.00} from {$170.00} to {$180.00} even though my balance hasnt changed because they never credited my account with the initial payment that was made.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (PA)

My wife received unemployment benefits due to the pandemic. She can't read English very well and isn't adept at computers so I had to fill out the forms to make it happen. I added her as a co-owner of my bank account at Ally Bank and so I put this account number into the form to receive the funds from the government.

The problem is that for whatever reason, my request to add her to my account didn't go through at Ally Bank and I did not realize this. I added her to my other bank ( XXXX XXXX ) and they added her as co-owner immediately. However, Ally Bank asked for additional documentation because my spouse is a foreign national. I gave them the additional documentation and assumed that it had been taken care of. 

A few months into her receiving her unemployment benefits, Ally Bank locks my account and tells me to contact them. 

So I call and after waiting on hold for a while, the woman comes back and says in an accusatory voice, " Who is ( wife 's name ) to you? ", I say, " That's my wife. '' She must have thought I was lying because she then says, " Yeah? We're ending our relationship with you. Your account received funds for ( wife 's name ) which is not your name on the account. '' As I try to explain that I thought she had been added as a co-owner of the account, the rep hangs up on me mid-sentence. When I tried to call back, I found that my number was blocked. 

I understand that it may look strange because my wife is a foreign national and has an XXXX name while my name is quite plain. However, I do have a marriage certificate that shows we were married on XX/XX/XXXX in Pennsylvania. 

The incident with Ally Bank happened XXXX, XXXX and it is now XXXX, XXXX and I have not heard anything from Ally Bank. However, they keep sending me paper statements for my account which show that I have {$10000.00} in the account.
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FTC IDENTITY THEFT REPORT Attached Transunion is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX Fraudulent ACCOUNTS XXXX XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX ORGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ACCOUNT NUMBER XXXX, Original Creditor XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXX BANK INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX THE FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!
Consumer complaint received 2021-05-05
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. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (PA)

TD Auto Finance issued an auto loan to someone using my identity in XX/XX/XXXX. I disputed the debt and received notification that TDAF found I was not responsible for the debt and it would be removed from my credit report on XX/XX/XXXX. 

Over the past two weeks, I have twice had a repossession agency XXXX XXXX stop at my house to look for the vehicle at TDAF 's behest. This constitutes harassment for a debt acknowledged as not owed.
Consumer complaint received 2020-10-23
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. (CA)

I owed a amount to XXXX and the debt was forgiven due to a total and permanent XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have submitted numerous disputes to Experian regarding their incorrect listing of a bankruptcy on my consumer credit file. In the letters sent to me regarding the " dispute results '' Experian listed the Bankruptcy Court as the source of the information for the first dispute and then after my request for a re-investigation, the " dispute results '' that was sent to me now states that XXXX MAY be the source of the information. 

I subsequently sent in a method of verification to Experian twice in the last 4 months that has been ignored and not replied to. 

These are all violations of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Couch Conville & Blitt LLC (LA)

We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with XXXX XXXX. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX XXXX children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.
Consumer complaint received 2022-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

I am locked out of my Coinbase account and having trouble verifying my identity. They will not work with me to verify my identity through documentation. For health reasons, I am unable to go and get an ID card from the DMV, but they will not allow other forms of identification despite the following in their Terms of Service : " The information we request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, a government identification, and information regarding your bank account ( such as the name of the bank, the account type, routing number, and account number ) and in some cases ( where permitted by law ), special categories of personal data, such as your biometric information. '' I have offered to provide taxpayer identification, email communications, bank statements, account numbers, social security number, etc. but they will not accept those and insist on only accepting the one thing which I can not obtain. In addition, they have on file an old identification card of mine and they also refuse photographic proof of identity. I just want to get back into my account and remove my funds. They are rude and unaccommodating to the XXXX.
Consumer complaint received 2017-12-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDFIRST BANK (AZ)

XXXX XXXX XXXX we successfully received a loan modification on our home. The process was smooth and XXXX XXXX a division of MidFirst Bank was very helpful. All past dues was rolled into the new modification as clearly noted on our attatched modification paperwork. We have reached out to XXXX XXXX and they have stated over the phone that our mortgage is current and has been current since our XXXXXXXX XXXX modification. They claim that they did not send anything to collections as they do not have anything to send. The mortgage has always been current. 

We have also reached out to XXXX who is attempting to collect the debt. We have explained this every way we know how. They can not even explain why they are collecting the debt. We have provided them paperwork on the modification that clearly states that all debts have been satisfied and that we are have been current. We just have not been able to make any progress with them. We feel that we are being taking advantage of and treatened for no reason. We need your help. 

Thank you for your help. 

XXXX XXXX XXXX
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I am trying to process a temporary lift of my credit freeze at https :   //www.experian.com/freeze/center.html Experian 's online system to lift a credit freeze is unreliable. I have had multiple problems in the past. The most recent issue is on XX/XX/2019. 

The only solution that Experian offers is to have the consumer mail their social security number along with a lot of verifying information. The 'promise ' is a three day turn-around. This is simply unacceptable when trying to unlock credit for employment background checks as well as for consumer credit. 

In my opinion, Experian should be investigated by the Consumer Protection Bureau if they can not provide a reliable service. 

Something needs to be done to require Experian to provide a reliable service.