davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I first challenged the public record on my credit report on XX/XX/XXXX with the credit Bureaus because I was unsure of this information : Us Bankruptcy Court XXXX XXXXXXXX Reference number XXXX - XXXX XXXX Dismissed. I spoke with a Bankruptcy Lawyer in XXXX but NEVER filed any paperwork or did anything else, I was just inquiring. I saw this information on my report and challenged with the Credit Bureaus on XX/XX/XXXX. They responded back that it was accurate which I was confused about, so I researched the FCRA and it stated I needed to reach out to the original creditor, the Bankruptcy court. I have attached the information that they responded to me with in which they DO NOT send information to the credit bureaus. This is perplexing because pursuant to the section 611, paragraph 5, subsection A, of the FCRA, they are supposed to delete this information if its not verifiable, which I've proven. I I'm requesting you to remove this item, as required, by law, due to lack of verification. You, as a credit bureau, willing provided false information, which is illegal under federal law. 

I have sent the corresponding paperwork to the Credit Bureaus again on XX/XX/XXXX and XX/XX/XXXX but to no avail which is what brought me to this process. I request this information be deleted because I have proved it is inaccurate an non verifiable
Consumer complaint received 2022-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TN)

I initiated an ACH Transfer for {$55000.00} on XX/XX/2022 to transfer funds from my XXXX checking account to Ally Bank savings account. These funds were successfully debited from my XXXX checking account on XX/XX/2022. Ally Bank then blocked the transfer, because I am told they could not verify the external account belonged to me, and the transfer failed and was never credited to my Ally account. Per calls with Ally Bank, there was an attempt to reverse the funds back to the external account on XX/XX/2022, but the reversal failed. 

It took hours on the phone over multiple days with Ally Bank representatives saying it was an issue with my external bank before one of the representatives finally understood the issue and opened a Case on XX/XX/XXXX ( Case ID : XXXX ). I was told I would receive resolution within 1 to 2 business days. It is now XX/XX/XXXX and I have not heard back. 

I already filed a CFPB complaint with the external bank ( XXXX ) and received a response back from them that there is nothing for them to do, as it is Ally 's responsibility to send the funds back to my external bank. Their complaint response is attached. 

It has now been close to 1 month since Ally rejected the funds, and no further action has been taken by the bank to resolve this matter. It is unacceptable to hold an account holder 's funds in limbo like this for this period of time. I have spent a combined XXXX XXXX  of my time on the phone with Ally Bank over the course of multiple days in the last month trying to explain my issue to Ally customer service representatives without resolution.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (CA)

They are attemoting to collect a very old debt which is past their statue of limitation nd have threaten lawsuit one me. I have ask them to send me their verification of debt in XXXX of XXXX with their ownership of the debt. Which they only emailed the the verification on XX/XX/XXXX. The information was completely wrong and I do not owe that. The date says XX/XX/XXXX.
Consumer complaint received 2022-10-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (AL)

I, XXXX XXXX XXXX XXXX XXXX, I have tried to reason with Navient Re :, a private school loan that should have been considered for the original Navient lawsuit. However, my loan was never considered, nor did I ever receive any type of correspondence regarding the same. According to the information notated in the lawsuit, my loan did and still does meet the requirements of the original judgment. 

The aforementioned private loan is in default and was charged off/closed via Bankruptcy Court in XXXX. Yet, the loan continues to be updated on my credit report every month as if it is a current loan that is in collections. This prevents me from being considered for housing due to ongoing negative activity. It continues to update my credit report each month. 

I attempted to reach the credit department for Navient to seek assistance with my credit report without success. I never heard from them. 

I have recently been corresponding with a XXXX XXXX via email and phone conversation to date. I was informed by XXXX XXXX that my XXXX score was too high at the time of the loan. How is that? My XXXX XXXX was not in good standing, much less having a decent XXXX XXXX. However, she did not come up with a solution for my issue. I also mentioned to her that I had applied for consideration for XXXX, and that was rejected as well. She informed me that I had applied with the wrong website and that she was sending me the correct information which I never received or it was never sent. 

Thank you for your assistance in this matter.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I have been disputing 6 charge offs listed on my consumer report for months with no success from the companies or the three consumer reporting agencies. The status of these accounts are inaccurate and continue to harm my character, reputation and ability to obtain credit for personal and household purposes. My consumer rights have been violated and I demand that these accounts be deleted, and I am seeking {$1000.00} per violation.

Per IRS publication, a charge off is a cancelled debt and the consumer is required to report the charge off amount as gross income regardless of if they receive a 1099A from the lender. I amended my 2021 tax return and reported all charge offs as gross income. I now owe the IRS. These accounts listed on my consumer report as charge offs are now incorrect and inaccurate. I have sent letters to all three consumer reporting agencies, and they continue to come back verified which brings me to the question, what is the investigation process? How are these accounts coming back verified if I am the only one that can verify anything on my consumer report? I never gave any written consent for any of these accounts to be on my consumer report, so they are being illegally reported. I have been denied credit due to these negative accounts being listed on my consumer report, which has caused me and my family grave harm. In my current position, 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. This has put me under extreme stress and could have easily been avoided if the consumer reporting agencies did their due diligence. My next step will be Federal Litigation if this is not remedied asap. I have identified below which of my consumer rights have been violated.

1. 1681e ( b ) Compliance procedures 2. 1681b. Permissible purposes of consumer reports 3. 1681c. ( 5 ) Requirements relating to information contained in consumer reports 4. 1681i. ( 7 ) Procedure in case of disputed accuracy 5. 1681n. Civil liability for willful noncompliance 6. 1681a. ( 2 ) Definitions ; rules of construction
Consumer complaint received 2022-12-19
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: MARINER FINANCE, LLC (FL)

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Consumer complaint received 2022-07-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I mailed a letter in regards to inaccurate and unknown items on my credit report. It has been over 30 days and I have yet to receive a response. I feel like my disputes are not being taken seriously, and I feel like I am being taken advantage of. I have researched and found that my disputes are to be investigated within 30 days. Because the investigation has surpassed the timeline required by federal law, the items in disputes must be deleted. If the items are not deleted immediately I will file for litigation for the stress caused. Additionally, my information was also impacted by the XXXX data breach and has most likely gotten into the hands of a malicious person.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 XXXXXXXX # XXXX, XXXX XXXX XXXX  # XXXX
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I pay for XXXX  monitoring service. I have not missed a payment in over 1 year. Experian says its been 1 month since my last 30 day late payment. I went on to my experian report and reviewed every single account individually and none of them have reported a late or missed payment. They can't or won't explain this and refuse to correct this. My score dropped 54 points over night literally because of this. I've been working very hard to fix my score for the past year to qualify for a mortgage. The dropped my mortgage score down to high 400 's.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have tried many times to get my information corrected and still unsuccessful. This company is reporting my name wrong which I believe is creating items to be on my report that are not mine. My name should be XXXX XXXX XXXX. I have submitted my forms of identification which prove my identity and have also attached them here. Also, I have sent disputes via certified mail and attached the proof! Last, the following accounts have not been investigated to be removed or corrected. Once again here are the items I am still disputing with no proper investigation. 

XXXX - XXXX I am requesting investigation of the comments, account balance, and high balance. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX - XXXX Review if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX  - XXXX Take off the late things from this account because I believe I made my payment on time. 

XXXX XXXX - XXXX Please remove the late things from this account because I believe I made my payment on time. 

XXXX  XXXX - XXXX I am requesting investigation of the account name, high balance, and account number. I believe this information may be inaccurate. I need this item removed NOW. 

XXXX - XXXX The late history shouldn't be showing lates because I feel I paid on time. Please remove the late payments from this account. 

XXXX - XXXX Please take into account status date, opening date and last activity date because it doesn't seem accurate. Please review and remove this account for the mistakes. 

XXXX XXXX XXXXXXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First of all let me just state that the card/account I have with Bank of America is through XXXX. I am currently unemployed and the money I had on my card was for my upcoming rent. I had went to this banks atm on the XX/XX/XXXX to take out cash which was {$200.00} for my phone bill. I did not go the following day at all which shows on my bank statement {$800.00} dollars were taken on XX/XX/XXXX. I noticed the amount taken probably 2 days later. I called Bank of America and filed a claim right away. I was told if they were to find out who took any money if I would like to press charges and I agreed to do so. They advised they were going to look into the matter and I would hear back from them within 7-10 business days. I was sent a new card within XXXX business days. I finally received a response in regards to my claim on XX/XX/XXXX. It mentions that the claim was resolved and they show multiple factors that I or someone I gave permission took the money out of the account. I called the number on the paper I received within minutes from receiving the letter to speak to someone and I asked why they are assuming I or someone I know took the money. The lady stated it was based off of the location of the bank. That is definitely not a good enough reason in my opinion. She asked if I would like to resubmit the claim so they can look it over again and I agreed to do so. I am also waiting to receive the documents that were based on their decision. I feel they didnt look into this enough, they should have video surveillance and/or time stamps etc. This is fraudulent and wrong. This money is my only source of income at the moment. I really can not afford to lose this money.
Consumer complaint received 2019-10-22
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. (NY)

Please delete this inaccurate information from my report. XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-02
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: CURO Intermediate Holdings (TX)

I received a call this morning, XXXX XXXX on XX/XX/XXXX, from a XXXX with Ad Astra Recovery Services Inc. She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through Speedycash.com. I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (LA)

My home was damaged during Hurricane Ida. My Insurance company awarded me {$17000.00}. I had to sign the check and then forward to Flagstar to go into my escrow. I have been trying desperately to get them to release {$10000.00} to pay my roofers. I have had one excuse after another. I have been trying for XXXX months to get this money. I talked to them on the XXXX of XXXX and I was told everything was received and approved and they would mail me my check in a couple of day. My roofers went ahead and put the roof on. I called them a few days later to check the check. They said on the XXXX they found an error. It concerned the W9 form. Something about a zip code. This is the third W9 form I have sent to them. This is ridiculous. I sent all of the papers in that they had me do and I doubled checked. Now they are claiming they do not have the estimate sheet which was sent to them. They do not want to get up off of this money. This is my money they are holding. My dealings with the insurance company were very smooth. They sent my money promptly but the mortgage company will not release it. I am so frustrated. I looked up their reviews and they were horrendous. So many people have the same problem I have. Not releasing their money to them. My roofers want their money and there is nothing I can do. This is the worst bank and I have read all of the reviews of people who are going through this headache. Everything I fix a so called problem another one pops up. It is ridiculous. Three times it was for a zip code which the company correct three times. The had the estimate sheet before and now suddenly they don't. I do not think they are every going to release my money to have my home fixed. Hurricane season is here again and I haven't got my money from the last one XXXX XXXX XXXX Please Please help me. I do not understand how this place is even a bank. There is something definitely wrong somewhere to have this many complaints. I just want to get my money to pay for my roof. I have not even started with replacing my fence yet. I know I am going to have to fight for that money also. I am XXXX XXXX XXXX and have never been through anything like this in my life. This is what I pay homeowners insurance for never dreaming I could not use it. HELP
Consumer complaint received 2022-10-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

**XXXX XXXX is not the problem XXXX is the issue** I contact XXXX an explain I caught XXXX XX/XX/XXXX 2022 went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the hospital for 37 days. They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX22 to dispute XXXX XXXX day delq. on my credit report report # XXXX got an update on XX/XX/XXXX22 nothing changed. Call XXXX on XX/XX/XXXX22 to find out why it didn't update, the representative at XXXX told me XXXX stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX2022 I contact a manager at XXXX  who advise me XXXX NEVER CONTACT THEM. WHY would XXXX HAVE A REPRESENTATIVE XXXX WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.