davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (IL)

I currently have a chapter XXXX bankruptcy listed on my credit report. I have submitted a request for a letter for a method of verification for reporting such bankruptcy on my credit to two of the reporting agencies, Experian and XXXX. I have sent three letters, on three separate occasions to both credit reporting agencies asking for the following information : a ) The name of the Courthouse, b ) The person 's name who verified the dispute, c ) The address, d ) The telephone number, e ) The documentation used to verify the original dispute. My initial request for information was sent on XX/XX/2020, 2nd request was sent on XX/XX/2020 and my final letter was sent on XX/XX/2020. To date I have not received any correspondence from these agencies relating to my initial request for method of verification. It would be greatly appreciated if I were able to get this matter resolved as soon as possible.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I had over XXXX deposited in a Wells Fargo account. That money disappeared so fast with overdraft fees and a negative balance. I do not believe the money was all spent in consuming thing but by the bank stealing money that I didn't owe.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hey I was just logging into my XXXX  XXXX  on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over XXXX. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX  saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX  XXXX  you can XXXX my name on XXXX XXXX XXXX is my wrestling name. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

I received an email on XX/XX/XXXX for none payment. I schedule the payments myself when I first purchase the car over a year and a half ago, on GM web-site, to be made the XXXX of every month. 
The automatic payment didn't go trough and I did not knew the reason, I used the text service from GM to communicate with a representative and get this resolved. I also use the email service from GM to email a representative and find out the issue. But I was not able to resolve it, as it was like the representatives are either not paying attention to my concerns, or doing something else at the same time ... it was very hard for me to explain again and again the same issue I finally call GM on XX/XX/XXXX at XXXX XXXX, I talk to XXXX XXXX ID XXXX. She was very professional, but for some reason, she did not understood that I was worry about identity theft, after she told me that the automatic payments was cancel by me, the customer. 
So, I make a new automatic payment setup, now for the XXXX, because the system didn't allow to go back in order to make the new and now due payment. 
I never been late and I'm in top of my credit. I'm worry about been reported as late and also worried about some one else canceling my automatic payments. 
I believe now there's two payment setup and I can not cancel any payment because I'm afraid to be late and cancel payment can not be done by any representative. It's very frustrating!
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: River City Mortgage LLC (KY)

On XX/XX/XXXX we sought out a mortgage on a double wide home on a permanent foundation. We got pre approval from this company but later was told they dont fund mobile homes. 

So our realtor suggested a new company, River City Mortgage. Based on his suggestion we applied for the mortgage through them. We got the pre approval letter on XXXX along with the i rial disclosures. We submitted every document they requested within one business day. 

We then had the appraisal submitted on XX/XX/XXXX and it appraised at {$190000.00} which was {$2200.00} under our offer. My realtor called and asked what I wanted to do and I said I would not cover the difference. He told me the seller might walk away and I said thats fine and that if she walks away she walks away because we arent covering the difference. 

My realtor called me back very quickly and told me that the appraiser is going to fix the report to get it to our offer. I was led to believe that this was a small typo error. 

After that I was told we are closing before the new year. Then day after day we were delayed all the way up until XX/XX/XXXX when I asked my loan officer what has been taking so long. Thought this process I was told it was because the underwriter needed to review documents we submitted, but on Saturday the XXXX, the loan officer responded with the appraisal. I responded with oh how there was a typo error? 

He then answered with a long message that stated Well kind of the appraisal came in low because the appraiser incorrectly used the assumed sale price of XXXX when it was XXXX Then the sellers realtor called the appraiser and had her change the value ( illegal move between us ) and then told me about it AFTER Then the realtor increased it and noted it was based off of the sale price increasing ( not a valid reason to increase value ) So, its just been a XXXX show of trying to make sure the appraisal remains usable and complaint without having the underwriter report the act that happened because she can likely tell. 

So after talking with those close to me I decided to step away from the deal based on the above text. The illegal and unethical acts taken by the seller agent and the appraisal company and anyone involved in the cover up there in. 

Everyone wanted to steal the {$2200.00}, that the house didnt appraise, for from my fianc and I. Everyone benefited from this collusion except for us. This collusion made us feel cheated, disgusted, and distrusting in everyone involved.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax did not investigate issue properly. I received notice that your company received feedback from Equifax. However, the feedback was false. The account was verified quickly and I did not have my allotted time to reply before it was quickly closed. I also received a letter from Equifax dated XX/XX/22 requesting my personal information. This is to send to XXXX to add in their database. XXXX can not furnish me with account information and I'm in good standing with XXXX. The letter received after the Holidays requesting information was sent after stating investigation complete. This account is bogus. The dates and status has been changed more than one. It first showed XXXX and now showing XXXX also which was added later. My rights has been compromised several times. I can not dispute online with Equifax. They've since change account so I can create one, however, keep getting error invalid password or username after updating both several times!!!
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

While purchasing an item by accident knowing that I didn't have the funds it still went through having a limit to not be purchase when funds are not enough. After calling customer service to let them know what had happen I was told that I was fine that I shouldn't have to worry about it because I had called them to make sure the item was canceled. Afterwards I was still charged over draft fees and had other items coming in knowing I had enough to be covered but due to the accidentally item purchase it made me go negative and all the items that had came in afterward I was still charged for all other items an overdraft fee. I try to dispute it but they had refused my refund for overdraft fees.
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.
Consumer complaint received 2020-10-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Goal Structured Solutions, LLC (NJ)

I have a student loan with the XXXX XXXX of Philadelphia. This school no longer exist and they have a pending lawsuit for fraudulent transactions. My mom and I did not know that we signed for private student loans and this has been a disaster. The lender I use to have that serviced the loan was XXXX XXXX XXXX and now the loan was sold to another company called Launch Servicing. I was able to go on an income based plan with the old lender, which was helpful. This new company Launch Servicing refuses to put my me on a income based plan when I specifically told them I can not afford the payments. Ive asked them if I can reach the lender directly to work something out, and they refuse to give me the number. They said the lender doesnt offer any other plan besides interest only plans. This is a tough time and I cant understand why I have to pay for a loan with a school that is now closed for fraud. There should be a better option for me to make my payments.
Consumer complaint received 2023-01-20
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: CREDIT ACCEPTANCE CORPORATION (WI)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 60 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 have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My I.D . was stolen and all of my credit cards they stole from and my bank account they stole from refunded my money EXCEPT U.S.A.A. They not only won't refund my money but they have added another {$3000.00} in their fees. They also will not remove their negative report about me from all three credit reporting agencies.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing a complaint of a collection account listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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 2020-12-13
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: Experian Information Solutions Inc. (FL)

I have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls.

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2020-08-25
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. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 60 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 have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.