davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
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. (GA)

On XX/XX/2020, I sent a copy of my driver 's license, birth certificate, social security card, signed/sworn affidavit and a copy of a letter I received from a bankruptcy court informing the 3 credit bureaus that they were reporting a bankruptcy on my credit file with illegally obtained info. On XX/XX/2020 I received copies of my credit reports and also a notification stating that an investigation had " previously '' been done and that it was determined that the bankruptcies were verified as accurate. When I phoned each of the bureaus they each said they had obtained my info from the Courthouse. When I told them that I had proof that was incorrect and that they were reporting my info inaccurately they each then said they obtained my info from XXXX XXXX. My question is this : how can a bureau refuse to open an investigation into inaccuracies that need to be removed and just use previously verified info? Is that legal or just a way to silence the consumer? 2 of the 3 bureaus are reporting multiple bankruptcies that they still have not removed. I've been sending disputes since XX/XX/2020 and no action has been taken. Can we please find a way to get the bureaus to update my credit reports as they are costing me valuable points, opportunities for better rates and costing me money.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (IL)

On Friday, XX/XX/XXXX, I submitted a Deposit to Gemini ( XXXX XXXX ) for {$2000.00} from my XXXX XXXX XXXX XXXX account. I accidentally submitted the request from my savings account instead of checking account, so the request hit the XXXX account and came back to Gemini as NSF. After this, my Gemini account was frozen by the administration. I am unable to access any of my funds in this account now ( over {$6000.00} ), but there is also a - {$2000.00} margin in the USD portion of the account on file ( even though it is frozen ). All I need is for my account to be unfrozen in order to cover this margin balance, but have not had any luck in getting a hold of Gemini customer service to unfreeze. I have reached out to XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that my account be unfrozen so that I can cover the margin balance and withdraw funds, but have not received any response. Please help me! I am afraid that my money will be depleted or inaccessible in this account!
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2022-06-12
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. (TX)

I sent this letter to Transunion as noted on the letter on XX/XX/2022. I have to receive in the last 65 days any update or notice of the progression of this dispute. Today 's date is XX/XX/2022. In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2A. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2020-05-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Charges on my XXXX XXXX credit card were disputed due to unauthorized charges. These charges were determined unauthorized by XXXX XXXX and I an not responsible for the charges. I have disputed this with Experian on many occasions and instead of fixing the problem they retaliated by dropped my credit score by 70 points for no reason and refuse to remove the unauthorized charges.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (TX)

I called Aspire ( XXXX XXXX XXXX about my being affected by COVID-19 and not having income to pay the monthly amount due. The following day, I received an alert for the credit bureau that the card was closed. Assuming it was a mistake, I called and was informed that my card was permanently closed because it was over the limit. 

I have called several times and to no avail my account will not be reinstated.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

At some point in our relationship with NewRez, our mortgage company, they decided to switch our status in escrow from " lender responsibility '' to " owner responsibilty '' and have declined to pay our city property tax. They are holding over $ XXXX in escrow for our $ XXXX property tax bill. 

On XX/XX/XXXX, I received a bill from the city claiming that the money was due by XXXX XXXX. I immediately called NewRez and was told to send the bill to them. I did and heard nothing. On XX/XX/XXXX, I repeated the process with another notice to authorize them to pay the bill. Again, I was told it would take a matter of days. 2 days ago, I called them again and was told it may take up to 30 days to resolve the matter and that the fees, penalties, and interest that may be attached to a late payment would also be my responsibility. 

At no point did we ever agree to have our status switched from lender to owner 's responsibility. They are clearly withholding this money in escrow for exactly that purpose. I have been proactive, calling them the day I was made aware that the bill had not been paid. I am worried about a lien being placed against the house and wonder if I need to have a lawyer on hand
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.
Consumer complaint received 2022-07-04
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. (GA)

When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

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 The rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

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 2020-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CT)

In more than 10 years Ive never been able to get a loan here. Now twice a day Im getting loan offers, becoming a nuisance. Temptation to lower my credit score knowing a denial is inevitable.
Consumer complaint received 2020-05-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed the following accounts with Experian on XX/XX/2020 because the accounts are the same refinanced accounts, not duplicates, and the balances are incorrect. 

1. XXXX XXXX, account number XXXX XXXX. XXXX XXXX, account number XXXX XXXX. XXXX XXXX account number XXXX Experian stated the accounts were verified, but they did not actually verify the accounts. 
Experian continues to report these inaccurate items on my credit file. 
By Experian continuing to display the unverified accounts on my credit file they are in direct violation ofThe Fair Debt Collection Practices Act ( FDCPA ). 

These accounts should be removed from my file because the debt was not verified and is inaccurate.
Consumer complaint received 2020-05-03
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. (GA)

On XX/XX/2020, I sent a copy of my driver 's license, birth certificate, social security card, signed/sworn affidavit and a copy of a letter I received from a bankruptcy court informing the 3 credit bureaus that they were reporting a bankruptcy on my credit file with illegally obtained info. On XX/XX/2020 I received copies of my credit reports and also a notification stating that an investigation had " previously '' been done and that it was determined that the bankruptcies were verified as accurate. When I phoned each of the bureaus they each said they had obtained my info from the Courthouse. When I told them that I had proof that was incorrect and that they were reporting my info inaccurately they each then said they obtained my info from XXXX XXXX. My question is this : how can a bureau refuse to open an investigation into inaccuracies that need to be removed and just use previously verified info? Is that legal or just a way to silence the consumer? 2 of the 3 bureaus are reporting multiple bankruptcies that they still have not removed. I've been sending disputes since XX/XX/2020 and no action has been taken. Can we please find a way to get the bureaus to update my credit reports as they are costing me valuable points, opportunities for better rates and costing me money.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I initially contacted Target XX/XX/XXXX through the secure messaging system to request a covid-19 hardship assistance and was told to call their 800 number for this service. I called and was advised it was completed, and my account would be updated to reflect a monthly payment due to {$0.00}. When I tried to use my card a couple of weeks later I discovered that apparently did NOT happen, and I was reflecting a past due balance on my account which suspended the ability to use the available credit. I contacted Target on XX/XX/XXXX to see what was happening and was advised by a supervisor that the initial representative I spoke to in XXXX did not enter information correctly, so the update did not get processed correctly. She advised everything had then been corrected, and my account should reflect the changes in 2 business days. 

After a week of waiting a week, I reached out again on XX/XX/XXXX via secure message to inquire about the status of the correction and was told again to call the 800 number on XX/XX/XXXX for details, which I immediately did. The representative I spoke to on XX/XX/XXXX said the representatives I spoke to on XX/XX/XXXX had only requested my late fee be waived but still did not properly make the corrections for my covid-19 hardship so my payment would be updated to {$0.00} due for both XXXX and now for the upcoming XXXX payment and remove the past due hold on my account so I can use the available credit. Again, I was told it would take about 2 business days to process. 

It is now XX/XX/XXXX, and my account is STILL showing a past due balance and suspended from being able to use available credit. I am SERIOUSLY concerned a negative mark is going to be reported to my credit report and affect my credit score negatively due to Target 's incompetence to complete this request that EVERY other credit agency handles in a matter of 24 hrs. I am TRYING to be responsible with my credit and creditors during this stressful time, and Target is putting my credit at risk with this issue.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I transferred funds from a XXXX XXXX  into HSBC in order to open a new savings account. HSBC took my funds of over {$10000.00} then denied me access to view my account online and denied me access to my funds. 

After contacting HSBC to seek resolution I was repeatedly asked for additional information about myself to verify my identity. Once I fulfilled their request they continued to deny access to my funds or viewing my acct online. HSBC continued to ask for more and more information. At that point I requested to close my account and return my funds. I had to ask FIVE ( 5 ) times before I was verbally told they would do this. I have no confirmation they are closing my account nor returning my funds. 

At one point I was told to contact XXXX  regarding a " fraud alert ''. XXXX  had that alert removed off my acct. On another call to HSBC they told me to call XXXX  and ask for information. This went on and on resulting is no ability to view my account nor access my funds. I remain unable to view or access my funds today I have attached a screen shot of my XXXX  dashboard showing I have no Freeze or Fraud Alerts on my file.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

A claim was filed in the amount of XXXX to Wells Fargo fraud dept in late XXXX. initially some of the transactions that were involved in the file were from XX/XX/year> and did not align with the first fraudulent transactions that were made XXXX XX/XX/year> in the same locations in the same amounts from the same gas station and city. This mistake was made due to a fraud investigator lumping together all the XXXX transactions rather than just XXXX transactions that were in that same city and same time frame. The other transactions were not thoroughly investigated and were taken into the file which caused the range of time to be longer than the policy of 60 days that is the expected limit of time to take action if there is fraudulent charges that can be credited back for. The claim was denied, closed, and I was not credited for the amount disputed. I called back three separate times to get a report of the claim and reopen the investigation due to an error in filing the corrected transactions that should have been disputed, and was unable to get the fraud department to send that over.
Consumer complaint received 2020-05-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ALTERRA GROUP, LLC (NJ)

I was in the process of purchasing a home with going thru Alterra home loans in XXXX Nj spoke with the loan guy XXXX XXXX several times and was giving a pre approval then an conditional approval. I gave them all documents needed on the approval even ones that was asked for twice by the underwriter. This company lead me up until time to close on the home which was on XX/XX/2020 with no link that this may not happen. My lawyer was emailing the company no response then the loan officer waited till the covid19 which happened after my closing date to then say the banks he could of went thru has pulled out while I was never told that it couldnt happen I myself gave notice to my landlord and now I have to find a new place to live cause he found new tenants for my place. The home owner of the home I was gon na purchase is now upset and trying to take my down payment of {$10000.00} cause the mortgage company XXXX   around. This have left me with a house full of stuff that was purchase for the home that cant be returned only cause as of XX/XX/2020 after speaking to XXXX and XXXX XXXX I was never told that it cant be done. I have all emails that lead up till then none say Im not gon na get my loan. Also I was to pay XXXX for home inspection then I payed XXXX for the home appraisal none of that money is being returned due to the mortgage company not finishing up my loan. Then he explains He was ready to close in XXXX a lie. He never told me lets close in XXXX. This have been very stressful and embarrassing and leaving me homeless.
Consumer complaint received 2020-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (IL)

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Consumer complaint received 2021-10-30
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)

Ive recently gotten a copy of my credit report and disputed the accuracy of of the accounts that are in question. The credit bureaus responded saying that the items were verified, Ive taken another look and I find it hard to believe that these accounts were verified. EVERY single account is INACCURATE and violates the FCRA. Ive documented ALL of the INACCURACIES and I want all of these accounts removed IMMEDIATELY. The credit bureaus are in VIOLATION. I refuse to be taken advantage of. If the accounts are verified I want proof of it. I refuse to keep getting computer generated responses.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I deposited a cashier 's check for XXXX in an ATM at XXXX XXXX XXXX, XXXX XXXX, MO XXXX as the branch was not open. This check was proceeds from a cash out mortgage refinance to pay off a car loan. First, the title company sent the check to the wrong address. Second, when I put the check into the ATM, I received a receipt that said they could not deposit the check and the check was not given back. I was given a receipt saying call XXXX. I have been calling for a week now and they say it will take 10 business days to deposit this check. In the mean time US Bank is charging me interest on the mortgage loan I took out. I have called at least 5 times and they can not even tell me if they have the check.
Consumer complaint received 2020-05-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I placed an order with XXXX XXXX of Illinois in XXXX that should have shipped early in XXXX. The order never shipped and in XXXX I disputed the charge with my credit card provider USAA. USAA refused the chargeback as the business claimed that they were impacted by Covid 19, which may be true but they have taken my money and I received nothing in return and the plants can not be shipped at the appropriate time as the planting windows has passed.