davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-03-17
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. (FL)

In accordance with the Fair Credit Reporting act and 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union continues to report inaccurate information on my credit report..however ; they will not allow me to submit a dispute. They are allowing negative reporting which is effecting my credit score but not allowing me the ability to dispute it. They have reported inaccurate information for the past three months, updating my report in XXXX, in XXXX and now in XXXX with negative inaccurate info, but not once allowing me to dispute it. I have even called into Trans Union and spoke with a representative and they are refusing to allow me to submit a dispute.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I would like to file the complaint as the way XXXX XXXX has worked on the dispute. 

Merchant provided the proof of payment but not the proof of service but still HSBC has settled the dispute in merchant 's favor. 

I bought attraction ticket which were not activated and had a mishap at the ticket window when the associate at the ticket window of attraction park told me that tickets have not been activated. 

I approached the merchant stating the same thing and they mentioned to me that they are investigating. 
After waiting for many days, I filed the dispute with the credit card company HSBC and explained them the situation with letters in details explaining the scenario. 

But, HSBC settled the dispute in merchant 's favor based on the payment receipt which is in no way able to confirm if the valid tickets ( merchandise in this case ) were provided.
Consumer complaint received 2022-07-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I set up an autopayment for my mortgage company Amerihome Mortgage, which was, unknown to me, not going into effect until after the due date. Once the account was made delinquent, due to the autopayment, not processing, the future autopayments were not made because the company will not process autopayments on accounts in " delinquency. '' Throughout this process, the company maintains that it made attempts to contact me, however, I have no receipt of any attempts to contact me until the date which I was made aware of the delinquency in early XXXX. The entire time that the company was " not receiving payments '' they had my bank account information and autopay permission on file. The company advised me that they called me at the number on file, which is the number I listed as my employer 's number, not my primary contact. As well, no email was sent to my contact address regarding any delinquency or missed payments. I have received no contact regarding this issue until XXXX. When I addressed the issue with Amerihome, they stated they would file an inquiry. I received the decision on the inquiry today that no adjustments are warranted. I believe Amerihome Mortgage is participating in predatory practices designed to intentionally place borrowers in delinquency. When I attempted to contact the company again, I was greeted by two extremely defensive and uncooperative customer service agents.
Consumer complaint received 2022-11-18
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: Exeter Finance, LLC. (CO)

This is XXXX XXXX and am reaching back out to you because, I received the response back that I recently received from your company. I was informed that Exeter finance was not the company that I was filing the complaint about.This statement that they have given you is completely false and I received correspondence back from them proving it is them .Clearly if I would have known what shady business practices they would be involved in, I would have found a different financial company.This company Exeter finance shouldnt even be in business, I have fully tried to get them to remove the late payment and they have not. I have tried getting supervisors on the phone and they tell me to send emails, which Ive done numerous times .This has accomplished nothing, Ive enclosed the email they have sent back to me proving that it is them .Please assist me in having this removed from my spotless credit profile as it is hindering all my future plans. 


Thank you. 
XXXX XXXX
Consumer complaint received 2022-07-13
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. (NJ)

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. 
-- -- XXXX XXXX XXXX XXXX  Account # XXXX, -- -- -XXXX XXXX XXXXXXXX Account XXXX XXXX, -- -- - 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: Penn Credit Corporation (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-11-18
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. (NV)

I have inquiries on my report that I didnt do or have any knowledge of could you please delete this from my account. 


EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

On XXXX XXXX, XXXX I received an alert from the credit monitoring service that I use advising that a new account had appeared on my Equifax credit report. When I logged in to review the alert I was also informed that Equifax had removed XXXX accounts from my credit report and added the new account. I find it strange that on the same day that I have a new positive account reporting in the amount of {$19000.00} that Equifax would removed XXXX positive accounts bringing my credit score down by XXXX points, this also affected my account age history as well. XXXX - closed account was removed, XXXX XXXX - closed account was removed, XXXX, - closed account was removed, XXXX XXXX Bank - closed account was removed, XXXX - last payment XXXX XXXX was removed, XXXX XXXX Bank - closed account last payment XXXX XXXX was removed, XXXX XXXX - closed account last payment XXXX XXXX was removed. All of these accounts were in good standing and should have not been removed. The removal is an effort by Equifax to keep low credit scores low. This type of behavior has to stop!!!!!!!! I work hard and I pay my bills in an effort to increase my credit score and I should not have to be attached by a company that is suppose to be neutral. I contacted Equifax immediately to discuss the concern. The representative and then the supervisor both told me that no accounts had been removed. I then requested the supervisor to review a report from last week and compare it to the current report. The supervisor advised me that they can only see the current report and not past information. There was also language barriers that made dealing with both representatives difficult. This is another complaint that I have with Equifax, how can you outsource a job to individuals that do not have a full range of English comprehension.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION (OR)

Received text " Thanks For Shopping : id- # XXXX for XXXX XXXX XXXX XXXX of {$540.00} Charged-from Your a/c.If not done by you, Reach us XXXX '' I did NOT order this. I clicked on the phone link and customer service for XXXX claiming to be Amazon, came on the line. Promised me the problem could be fixed. I went to XXXX XXXX, downloaded an app. as instructed. Agent took remote control of my phone. 
Accessed my XXXX XXXX XXXX XXXX credit card and made 2 XXXX XXXX gift card purchases for {$100.00} each. Also overnight, my XXXXXXXX XXXX checking account was emptied by 3 XXXX cash transactions to - XXXX XXXX {$190.00}, XXXX XXXX {$170.00} and XXXX XXXX {$150.00}. I contacted XXXX XXXX and stopped one of the two {$100.00} transactions. Too late to stop the 2nd one. On instructions, I drove to nearest store and tried to purchase gift cards. Was denied because of NSF on credit card. Store owner warned me of possible scam. I did not purchase any gift cards. Was instructed to not check accounts online overnight. Received call next morning from " XXXX '' who assured me I would be reimbursed. That number not longer exists. Am changing all accounts with bank and credit union.
Consumer complaint received 2022-11-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (NE)

I have a writ to garnish wages sent to my employer to garnish my wages for debt in the state of Virginia in the amount of {$6100.00}. I will start being garnished in two weeks. i have not lived in Virginia in 20 years. this does not show on my credit report and I have not made any contact with them or any contact from them.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Commencing on or about XXXX XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) operating under the domain XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. 
Money was transferred from my BOA account in the total amount of XXXX USD utilizing your services.
Consumer complaint received 2022-11-18
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: Accscient, LLC (GA)

XXXX has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed. 


15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CO)

Dispute to Ally Bank XXXX XX/XX/2023, 2 x {$880.00} ACH payments were made to my new and old mortgage lenders. 
At the time my old mortgage lender sold the loan to another mortgage company. I added the new mortgage lender to my online Bill Pay and paid the new lender and cancelled the payment to the previous lender. The ACH was still being processed and still charged my account at which time I disputed the charge ( {$880.00} ). 
The dispute was Approved by Ally Bankon XX/XX/XXXX and a credit was applied to my account. 
On XX/XX/ the charge was then reapplied to my account without notice or contact. 
I contacted the bank and they said they have the right to reject their initial approval. 

To withdraw funds from an account without notice appears to be a wrongful transaction. Furthermore I can not find any documentation in Ally Bank policies that states they have the right to withdraw or reject a dispute they initially approved.
Consumer complaint received 2024-02-19
Product: Credit reporting 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. (NV)

On XX/XX/XXXX and XX/XX/2023 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX  dealership. I told him I was going through XXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please take off the late payment from this account : XXXX XXXX
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received a call on XX/XX/28 from someone claiming they are from Wells Fargo. The call came with Wells Fargo number. He told me there has been fraud on my account ( debit card and a wire of {$24000.00} ) and asked if I approved these transactions.. Then he asked for me to read him a few codes that he will send. A few codes came from the bank ID. I read them back to him. 

When I called the bank on the same day, they said they will try to stop the wire. Then they said they were unable. I talked to the fraud department multiple time and they denied their responsibility. I was transferred to the executive branch. I received a call from XXXX XXXX there who said she will look into it. Today, she called me ( and asked me to read back a code coming from the same ID ) and said that unfortunately she can't help. 


I know of a few people that fell for this scam ( They got their money back ). I also went to the police station to file a report as XXXX XXXX recommended and the officer told me he has seen a few similar case. 


I believe it's the bank 's responsibility and their security measure are inadequate.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following accounts are unverified MUST be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00}
Consumer complaint received 2024-02-19
Product: Credit reporting 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 FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

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 I recently checked my credit report and noticed some inaccurate accounts reporting.