davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

Constantly my amount is going up, i let them know that my kids and are displaced in a transitional housing for the homeless, i get email, calls i thought i paid dwn my interest but its still high i feel im being rip off. They keep changing the agreement and intrest its enormous, they are causing such pain and lost that i dont know what to do with this.help please.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been unable to access and dispute my credit information online through TransUnion portal. Their disputes are also not responding to my written letters. I am disputing a late payment on my auto loan with XXXX XXXX. They are reporting that I am late in XXXX of XXXX. I was not late in XXXX of XXXX. I have attached a screen shot of my payment history and the cleared payment from my bank account.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

i was checking my credit report and there was collection from ERC for a  XXXX  cellphone company for the amount of  XXXX  dollar and i never had services with  XXXX  i am with  XXXX  i did never go with  XXXX  how they can do that and they have no information about my birthday or ss number so how they know its mine theses bad
Consumer complaint received 2017-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-02-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (NY)

I have had three fraudulent withdrawals from my savings account with BMO amounting to close to $ XXXX. 

I never got a notification that the money was coming out of my account and the account that the funds went to is not included. 

As soon as I discovered the funds were missing, I called them. 

I first called them on XX/XX/XXXX. The CS rep provided me with the numbers that the ACH came from and told me to call them. I told her that I did not feel comfortable doing that as it was clear these were fraud charges. She then proceeded to file a claim on my behalf. 

I didn't feel confident in her, so I called back on XX/XX/XXXX to confirm the claim had been filed. The CS rep I spoke to said, that was correct, but to give it a couple of weeks. 

After not seeing any changes in my account, I called on XXXX and was bounced around several times. The person I finally spoke with said that because it was a ACH, I needed to email XXXX and confirm that these were fraud charges. 

I sent the email on XXXX and a couple of days later got a response that this email address was for commercial accounts only. 

I called again this morning ( XX/XX/XXXX ) and they said they could not help me and that I need to go to a branch. I confirmed again that I don't live in an area with a branch and the call got disconnected. 

This is very upsetting as $ XXXX is a lot of money and the tax season is upon us. 

I would like my money returned so that I can cancel my account with BMO and move on with my life. 

EB XXXX SV WEBXFR TRANSFER XXXX/23 - {$4800.00} WEB  XXXX SV WEBXFR TRANSFER XXXX/23 - {$4900.00} WEB  XXXX SV WEBXFR TRANSFER : XXXX23 - {$4900.00}
Consumer complaint received 2018-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2018 I view my account Checking and Saving account and TD Bank double charge me one Charge of {$5.00} Maintenance Fees and another charge for {$1.00} for mailing my statement prior to online banking the statement for all account was required by United States Federal Regulations and now because of the new internet used the TD Banks and other Bank within the United States are adding extra cost for banking when this is consider to be Fraud if I'm paying {$5.00} maintenance Fee should this cover mailing expense because United States now have different method to Bank it should be illegal to charge for mailing of the statement and when open the account this is what they informed me that will maintenance fee only Please investigate this agency and Maintenance Fees charge to me and others ensure that it according to United States Federal Reserve Bank Regulations and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

XXXX transfered me {$2600.00} XXXX XX/XX/2024 on my credit card Wells Fargo Vis No : XXXX XXXX XXXX XXXX I called customer service in wells fargo asking to cash the amount because I need to pay my mortgage for XX/XX/2024 Customer service notified me that I can cash my money AFTER ONE MONTH FROM TRANSFERE DATE!! 
I objected and filed complaint to customer care justifying that since you have the money already in my account, and my account with you in good standing, don't owe you anything so there is no reason to freez my money especially I need it for paying my mortgage. 
The representitive got my account information u=n XXXX to transfere the money. 
I keep check my account to see their deposit which they never transfere I called to check the situation SEVERAL TIMES every time I get an answer from very LAZY voice from wells fargo representitive which every time says they need more time. 
XXXX and XXXX are 2 representitive that I felt they don't know any thing about anything and they threw responsibility on each other ( Please aske for the record of calls to see what kind of customer service this bank provide and what kind of employees they have ) Today is XX/XX/2024 at XXXX XXXX  and I still can not get my monet. It is even more than a month. 
On XXXX I borrowed money to pay my mortgage On XXXX I borrowed money to pay my mortgage. 
WHY DO I BORROW MONEY TO PAY MY MORTGAGE AND I HAVE FROZEN MONEY WITH THIS BAD REPUTATION BANK AND IT IS HOLDING MY MONEY WITHOUT ANY REASON AND WITHOUT ANY EXPLINATION. 
i AM RESPECTFULLY ASKING YOU TO HELP ME GET MY MONEY AND CHARGE WELLS FARGO A FINE OF THE SAME AMOUNT THEY HOLD WHICH IS {$2600.00} WITH TOTAL OF {$5300.00} AND MUST PAID IMMEDIATELY Thank you
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TN)

I recently reviewed my credit report and discovered a late payment entry that I believe is inaccurate. The entry pertains to a payments late, and I believe it violates the Fair Credit Reporting Act ( FCRA ) provisions outlined in Sections 15 USC 1666b, 15 USC 1681a ( 2 ) ( i ), and 15 USC 6802. As per Section 15 USC 1637b, I should have received information regarding my credit obligations at least 21 days before the payment due date. I am formally requesting proof that such information was provided to me within the specified timeframe.

Furthermore, I am invoking Section 15 USC 1681s-3, which outlines the obligations of furnishers regarding the reporting of information to consumer reporting agencies. I request a thorough investigation into this matter to ensure compliance with FCRA regulations. If its determined that the late payment entry is inaccurate or in violation of FCRA provisions, I request its prompt removal from my credit report.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TN)

I recently reviewed my credit report and discovered a late payment entry that I believe is inaccurate. The entry pertains to a payments late, and I believe it violates the Fair Credit Reporting Act ( FCRA ) provisions outlined in Sections 15 USC 1666b, 15 USC 1681a ( 2 ) ( i ), and 15 USC 6802. As per Section 15 USC 1637b, I should have received information regarding my credit obligations at least 21 days before the payment due date. I am formally requesting proof that such information was provided to me within the specified timeframe.

Furthermore, I am invoking Section 15 USC 1681s-3, which outlines the obligations of furnishers regarding the reporting of information to consumer reporting agencies. I request a thorough investigation into this matter to ensure compliance with FCRA regulations. If its determined that the late payment entry is inaccurate or in violation of FCRA provisions, I request its prompt removal from my credit report.
Consumer complaint received 2024-04-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation (NC)

Repeatedly contacting my employer several times out the day interfering with my work. Repeatedly call my references all day. Repeatedly calls me all day from several different numbers. Even calls my employer and references from several different numbers all throughout the day. Sent mail saying that they will file to collect what is owed but still calling my employer, references, and I several times throughout the day. This company is Regional Finance Corporation. The local office calls and a number from XXXX South Carolina calls all day everyday.
Consumer complaint received 2024-05-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I filed. Disputed which was denied because someone linked my card to their cash app and stole {$4900.00} from me. The bank stated they they believe I authorized the charges. After only XXXX  days. I have requested them to reconsider XXXX  times now and they have all been denied. I contacted cash app and sent them copy of my id and card to show the card was mine. They located a cash app the my card was linked to and told me the cash app obviously wasn't in my name so they couldn't give me any further information. Cash app also stated that bank of america never contacted them regarding these transactions. I have had an issue like this with bofa in the past and it turned into a lawsuit. It's looking like that's where this might be headed. Card number that was fraudulently used is XXXX XXXX XXXX XXXX. My name is XXXX XXXX my SS is XXXX best way to reach me is email XXXX or telephone XXXX
Consumer complaint received 2022-08-05
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. (IL)

This is XXXX XXXX and I am submitting this complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting the removal of the Fraudulent information completely from my Credit Report. I was a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act section 605b and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have read that under the FCRA section 605b the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$730.00}
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I SENT A DEBT VALIDATION LETTER TO THIS COMPANY AND ASKED THEM TO VALIDATE THE ACCOUNT. I ASKED THEM TO SEND ME DOCUMENTATION WITH MY SIGNATURE THAT SAYS I AM INDEED THE PERSON RESPONSIBLE FOR PAYING THIS DEBT. THEY SENT ME A LETTER BACK SAYING THEY ARE UNABLE TO VERIFY THE ACCOUNT. ALL THEY SENT ME WAS A BILL STATING THE ACCOUNT IS VERIFIED BUT THEY DID NOT PROVIDE ME WITH ANY PROF THAT I OPENED IT SO PLEASE REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc. (PA)

GM Financial is reporting an old debt on my credit file from 2006. The loan was never with them my loan was with Americredit that i paid the loan off with. The debt is over 10years old and paid in full - i tried to apply for financing for another car loan recently and was denied due to this old car loan being reported
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meridian Financial Services, Inc. (NJ)

While staying at the hotel XXXX XXXX XXXX in XXXX in XXXX of XXXX, I was approached by a sales rep. for a company called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. They invited us to a complimentary brunch to show us the benefits of becoming a member. In my desire to travel more with my wife for a discounted rate, we joined based on the claim that a stay at their hotels around the XXXX and XXXX would be at discounts up to 40 % of prices on other websites like XXXX. 

I quickly found out after returning to the XXXX that the XXXX website showed no discounts and were in fact more expensive than other travel websites. In XXXX XXXX, I submitted a signed letter requesting a cancellation as per their required documentation and only received an email back saying " Your request is being reviewed. '' All of my requests to confirm my cancellation were ignored. 

In XXXX XXXX, I received a letter from a collection agency stating that I owed the balance of my membership. XXXX, a company based in XXXX, is using XXXX collection agencies to unjustly force Americans to pay for a service they did not provide.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not able to access by credit report through annualcreditreport.com, nor through any of the consumer reporting agencies ( Transunion, XXXX or XXXX websites give me an error message and will not let me access ). I would like to receive my consumer report ( s ) by mail. I am a victim of identity theft and I have not been able to review my consumer report on a monthly basis since XX/XX/.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

In the month of XXXX Wells Fargo sent me a letter to home address of I, with out regard for XXXX name ; instead used a XXXX  name of another man with same last name. During application process, staff/application refuses to abbreviate US name according to English rules and instead uses a XXXX  name without complete initials to result in denial of application where as XXXX established XXXX name is approved by law for charge card. I have not received a letter written to US name in regard to previous complaint. I need a charge card and consumer account by law. I recently returned a letter from bank.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (NC)

After an audit of historical certifications of GI Bill benefits I used at XXXX institutions, the VA determined that I was over-certified at all XXXX institutions, over several semesters. At all stages I committed to paying the debt, but only when the VA determined the entire amount owed. However, the VA began collections on portions of the debt before a total amount was certified. By the time they had stated a total amount owed, they attached fees and penalties to that amount, and had transferred portions to the Treasury Dept. and they in turn to private collections companies Conserve and XXXX. I attempted to set up a payment plan for the total original amount of the debt, but that was rebuffed. I later offered to pay the entire debt in full, minus the fees and penalties in a one-time payment, but that was also rebuffed. I contacted the Treasury to get an itemized statement of the debt and they did not respond. At several points during the transfers of the debt, I was on XXXX XXXX orders with the military, as I currently am, and I believe the SCRA applies. Inaccurate and misleading reports were made to credit agencies concerning this debt, and my credit has been negatively affected, some aspects of my military service have been affected.