davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AAA Collections (SD)

I live in XXXX, South Dakota. I have XXXX XXXX  daughters at home, ages XXXX and XXXX. I have a XXXX year old son that lives on his own with roommates. Last week his entire paycheck and bank account was emptied wrongfully for a garnishment which i know nothing about. The problem is THIS week, my minor daughter 's savings account was emptied of {$700.00}, everything she had. We just returned from XXXX  where she was in the hospital for XXXX and she is unable to work or go to school 3 months. She saved this before her XXXX from working so she could pay for her car, insurance and school items she needed. She was supposed to put a deposit on a trip with her class next year and now she no longer has it and can not pay her bills. My daughter is severely distressed and when looking at her account it said garnishment XXXX XXXX. I called the bank that allowed the money to be taken, XXXX XXXX, XXXX, SD, and they said it was XXXX 's garnishment and they can not talk to me about it. I stated it was stolen from MY XXXX  child so i am involved. Still no answer. They stated it was AAA Collections in XXXX XXXX SD. They, too, will not give answers because it is my son 's collection issue, not mine, and he is an adult. Regardless of my opinions about the fraud also happening to him right now with this company leaving him with any way to pay car payment or get food, my frustration and anger is at the theft of the {$700.00} from my daughter XXXX XXXX. None of us know what this is about nor did we get letters explaining. Not only that, my son did not receive a letter explaining so he can fight it or at least make payments. AAA Collections in XXXX XXXX, South Dakota has caused severe hardship on 2 families and it is cold and heartless, especially in these trying times.
Consumer complaint received 2020-08-20
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. (FL)

I have requested that Equifax fix an error on my report over 10 times via phone and online. The company refuses to update the incorrect information because they claim they can not and the outsourced representatives do not know how to. My consumer statement is still wrong and has the wrong phone number which prevents me from passing identity verification because Equifax will not remove it nor update it. The company has also added back two accounts from XXXX ( XXXX and XXXX ) and XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX which were investigated, disputed, and removed over a year ago as a form of retaliation because I have placed complaints on the company. I am unable to look at past disputes which prove this behavior that is being conducted because Equifax blocks me from viewing past disputes over 10 days ago. Equifax will not cease these violations and has been sued for this behavior yet continues to practice the same violations after being made aware. Also, the company continues to supply generic customer service responses to complaints claiming it has rectified the issues but that is false. The incorrect information, lack of customer service, and retaliation tactics are preventing me from obtaining credit. It hard to get proper assistance because the representatives are outsourced and do not fully understand the assistance you need nor do they care. I am still unable to reach Equifax by phone to resolve this because I can not verify myself through the automated phone system because my personal information is incorrect and they wont fix it after six months.
Consumer complaint received 2021-04-27
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)

There are multiple accounts on my credit report that are not mine I have writing and calling and I opened an FTC I am now doing a CFPB and I am also getting a notarized Affidavit regarding Identity theft this is not ok to have these on someones credit and bringing someone elses life down is not ok I need this resolved I should not be a victim and pay for this. 


Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  CARD Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF EDXXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXXXXXX  Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXX  Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

when reviewing my XXXX XXXX account I noticed that there was a credit report from XXXX for the amount of XXXX. I called XXXX to see what this account was in reference to, they stated this was a cell phone bill, Which I have never has a cell phone with XXXX that was not pre-paid. they stated it was short term account I ask if they had my signature or Id on file they stated they could not give me no information because they transferred the collection over to Jeffery Capital System lLC. They gave me the number. My first attempt was to despute on XXXX XXXX which they denied. I than Reached out to Jeffery Capital on XX/XX/XXXX to try and resolve the debit, Because I am working on my credit score to purchase a home. I spoke with XXXX who stated that they could reduce the Bill to XXXX dollars if paid in full, I requested that they send me a letter with the company letter head stating if I was to pay this Debt in the amount of XXXX they would take the collect of XXXX off of my credit report. The response I got was " we are unable to do this. '' I did not at this time feel comfortable paying this amount without it in writing, providing that I do not believe this was my debt in the first place. 
On XX/XX/XXXX I tried calling the Company again to settle the debt once again because this is affecting my credit score, I spoke with XXXX Who stated that the debt was no longer with them, she would give me another number to call. Which I was never notified that this has been transferred. On my credit report it has Jeffery Capitals system LLC as the debt collector.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal has placed several accounts on my 3 credit bureaus that are not mine. I am a victim of identity theft. A hacker got my personal information from the XXXX XXXX due to the XXXX  Data breach.
Consumer complaint received 2022-04-06
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX RE : Equifax Confirmation # XXXX XXXX Confirmation # XXXX Confirmation # XXXX Subject : Account # - XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 16811 ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at all the addresses listed above. 

Thank you, Sincerely XXXX XXXX
Consumer complaint received 2023-01-10
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. (FL)

I accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX XXXXXXXX : # 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 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/12 I went into my Synchrony Home  account and found that ALL ( 6 ) of my Synchrony accounts were CLOSED. I have had several of these accounts for over 10 years and have never missed a payment on any of the accounts. Typically pay more than the minimum and often pay off promo purchases early. I have over a 700 credit score and have not ever missed a payment on anything on my report. When we contacted Synchony they said a random review of the credit bureau led them to think there may be an inability to pay .... based on what?? I read a ton of reviews and hear that they did the same to many others, they just increased the credit limit on 3 of the accounts and they closed them less than 2 months later ... makes no sense! The worst part is that now my flawless credit report will be damaged because of them!
Consumer complaint received 2020-05-24
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. (NH)

I sued XXXX and won over 5 years ago in XXXX Nh District Court. In the agreement this information was to be removed from all reports Experian has not done this I have all copies of my suit and agreement this information was to be removed
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

Have tried to contact Citi Bank by phone and email to pay on past due credit card account account they have not responded we do not want to pay to collection only to Citi Bank who the money is owed to We also want credit reporting agencies to know we have tried to reach out to Citi Bank to pay on this account and Citi is refusing to talk to us we want to dispute because Citi will not give us a chance to pay or repair credit this is not fair to reflect bad on credit and they will not work with us
Consumer complaint received 2020-07-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dealing with Dovenmuehle has been totally frustrating and I look forward to not having to deal with them in the near future. Their customer support is awful, to the point that they have given me wrong information on a couple of occasions, which is unacceptable! I have called them on several occasions, only to be put on extraordinary hold times or being abruptly disconnected. 
As you know, I was hospitalized in XXXX and XXXX with a XXXX XXXX which, fortunately, has now gone away. However, there was a glitch in XXXX, where XXXX posted my monthly payment late and they have no explanation. See below As you can see, my XXXX payment was not made until XX/XX/19 for reasons unbeknownst to me and my payment was marked late. Since the Internet at the hospital was very spotty, I was unaware of this and Dovenmuehle only communicates via snail mail. They did not re-submit the payment until well into XXXX, they never called me, and I am at a loss to explain why, causing me to be 30 days late unnecessarily. Needless to say, I am at a loss to explain why this happened and Dovenmuehle says that it is XXXX fault. Note that I never had any late payments before last XXXX ( see below ) and they could have been more accommodating, to say the least. 

Then in XXXX, I again faced another calamity, this time by one of their own customer support representatives. They proceeded to tell me that I had made a duplicate payment in early XXXX and would re-post one of the payments for XX/XX/XXXX, saying that I did not have to make an XXXX payment at all. 

I heeded their instructions. When I say a late charge for the XXXX payment in XXXX and not seeing the XX/XX/XXXX payment posted, I called Dovenmuehle again, only to be told that the XXXX agent made a mistake, that it would be corrected and that I would get a confirmation e-mail, which I never got. I did get the XXXX late fee credited, but I am at a loss to explain why I still have a negative on my credit report, even though I was told that it would be removed shortly. Needless to say, that never happened. 

When I called a couple of weeks ago about this, I was again told that I had a duplicate payment in XXXX by this new agent, so right now I am at a loss to understand if I do or dont have a duplicate payment for XXXX, so I will leave it up to you to resolve this, as I am at my wits end here. I am tired of dealing with long hold times and inept agents, so I am counting on you to look into this for me.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo closed my credit card ( account ending XXXX ), stating no activity in 12 months. This is untrue, in XXXX I made a payment bringing the account to a {$0.00} balance. They closed the account without notice, and refused to open the account - wanting me to reapply for a NEW CARD. This is fraudulent and deceptive behavior. They knowingly closed an account that would have an adverse affect on my credit score ( less available credit ), for a reason or policy that I had not met.
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peak Acceptance, LLC. (TX)

I opened a loan with peak acceptance XX/XX/XXXX and the car I had to let go for medical reasons it took them two months to pick it up and finally picked it up on XX/XX/XXXX. After the repossession i tried to contact them about personal belongings in the car and was not allowed to do so also I never received any notice about the sell of the vehicle like they are suppose to send you. Also I never received any paper work after the sell of the vehicle about any kind of remaining balance are any type of information from them. Also on my credit report they report date of last activity as XX/XX/XXXX and the car was repossessed in XX/XX/XXXX and they continued to report to my credit as me being late until XX/XX/XXXX even though there was no communication from them at all about any remaining balance are debt owed to them. Upon contacting them about this info I was told they do not have my debt in there system but yet call me 5 minutes later and say they found some information on my account but were unwilling to allow me to talk to anyone in the reporting department.
Consumer complaint received 2018-09-24
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. (OR)

I have tried on line to freeze my credit with Experian and also tried calling them. The other 2 credit bureaus allow freezing my credit on line which Experian is not presently allowing and when Experian was called the phone system said they were experiencing difficulty and hung up.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXX I became aware of fraudulent activity with my primary checking Visa debit card. I reported it to my bank, the State Employees Credit Union/SECU, and cancelled the card. I followed up on Monday, XX/XX/XXXX, after the two fraudulent charges posted to my account. I was assigned a support case number but told it would take ten business days to refund the money. In any case my liability would be limited to {$50.00} as I reported the fraud less than 24 hours after it happened. There were two charges, {$370.00} and {$390.00}. I waited ten days and contacted them again on XX/XX/XXXX. They said they had no record of my having reported anything even though I had an email acknowledging it and assigning a support case number. The woman I spoke with said I would have to start over and wait another ten days. I spoke with her manager and he refunded the money that day. On XX/XX/XXXX they reversed the credits and took the money back out of my account. The person I talked to said they had investigated and decided the charges were valid.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (OH)

I have several negative payments reporting with Ally financial during a period of XXXX XXXX XXXX. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 12 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 08 XXXX, 12 XXXX XXXX XXXX XXXX XXXX, 12 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 Company Inquiries : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX