davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2020, I attempted to transfer one thousand dollars ( {$1000.00} ) from XXXX XXXX through Zella, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, Zella, XXXX XXXX XXXX and XXXX XXXX ). My visit to XXXX XXXX XXXX, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that XXXX XXXX was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (GA)

XX/XX/XXXX ; National Credit Systems reported to XXXX a debt from XXXX XXXX of {$1600.00}. 
I disputed with XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. XXXX only listened to the National Credit Systems and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with Magistrate Court of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXX. 
This debt is still posted on my credit file.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, IA
XXXX   HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF $XXXX. THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-06-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NM)

I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX is reporting outdated and incorrect information to TransUnion & XXXX   Credit Bureaus. The date the account opened ( account original date of establishment ), the date account closed ( first date of delinquency ), the terms, and the balance is inaccurate. 
Account became delinquent in XX/XX/2013 without any further transaction activities. I notified listed company in XX/XX/2013 I was no longer a resident of said property were services was being rendered. The company did disconnect services ; however, unknown possessors of service 's address reinstalled utilities illegally. I have no responsibility for the fee balance imposed after notifying company of my departure from the premises. Per FCRA regulation, negative items must be removed, from credit reporting agency records, after seven years of first date of delinquency.
Consumer complaint received 2020-05-06
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: AMERICAN EXPRESS COMPANY (WA)

I am requesting assistance of the CFPB to fix my XXXX Credit File so that XXXX doesn't show that I was late in paying American Express for the months of XX/XX/2019, XX/XX/2019, and XX/XX/2019. This request is pursuant to the Federal Fair Credit Reporting Act. 

The reason for this request is that charges were disputed during this period and those charges shouldn't show a late during the dispute period. Substantial evidence has been provided to both XXXX, XXXX, and American Express demonstrating that the laptop was faulty, and couldn't be repaired. 

Previously a complaint was submitted to CFPB XXXX, and it was my understanding that XXXX would fix the credit report, but I was recently advised by a creditor that the errant information has been reinserted into the credit file so I am left with no choice but to request CFPB to reopen my complaint against both XXXX and American Express. I find American Express and XXXX  guilty of violations of the Federal Fair Credit Reporting Act for inserting late pay information. 

Previous evidence to date showing a valid claim consisted of : 1 ) statements from XXXX XXXX advising they had back pedaled on their decision to support XXXX so that the keyboard functionality was partially usable. 
2 ) statements from XXXX XXXX announcing a service advisory more than a year after my complaint advising that there is a problem with the keyboard, and a potential fix. 
3 ) statements from users advising that the fix offered by XXXX XXXX did not fix the laptop. 

No laptop repair facility is able to fix the laptop since the problem is a driver issue, and the vast majority of repair shops are not sufficiently versed in driver development. 

Additionally XXXX XXXX had failed to switch the laptop, which was a rebranded XXXX, with their own laptop that they had recently started making. As a result, they demonstrated bad faith. 

And last but not least, American Express has an extended warranty program and there is no issue of coverage since the extended warranty coverage would have been double the coverage of XXXX XXXX 's primary 1 year warranty. 

This complaint needs to be reopened because XXXX  and American Express have back peddaled their decision to correct the credit report. 

Also, XXXX is still refusing to allow online access to credit reports. Earlier today I attempted to login after being denied credit, and was blocked.
Consumer complaint received 2020-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.
Consumer complaint received 2020-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.
Consumer complaint received 2020-05-05
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. (NY)

To Whom It My Concern, I was looking at my credit report on XX/XX/XXXX. I had noticed o the hard pull Inquiry 's and there is a lot of stuff on here I never authorized, Isn't mine and that I am unfamiliar with. Under the fair credit reporting act I was hoping you guys could look into this and hopefully these Inquiry 's which I feel I didn't make unless provided proven paperwork stating otherwise. I have tried calling some of these companies as I believe this to be Inaccurate and possibly fraud. The customer service on these companies is terrible. Here are the items I am disputing. I Just want all the inaccurate information off my credit report. I will also attach a picture of my credit report with this false Information. XXXX XXXX XXXX XX/XX/XXXX I didn't Authorize. XXXX XXXX XX/XX/XXXX I am being hit twice on the same day I didn't Authorize that. XXXX XXXX XX/XX/XXXX I spoke to them Early XXXX they had said they would remove that and never did. XXXX XXXX XX/XX/XXXX I never authorized. XXXX XXXX XX/XX/XXXX I Never authorized. Everything stated above I never gave anyone permission to run my credit. Okay lastly XXXX XXXX XX/XX/XXXX I believe this was a credit card increase they had said would be a soft pull inquiry and that was the only reason I did it. If anybody has any question for me please feel free to reach out as I would like to resolve this matter as soon as possible. I understand with Covid-19 everyone going through hard times. I just want to have accurate information on my report to all the major credit reporting companies.
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners (TX)

They called me and the first person I spoke to threatened to kick my XXXX if she ever saw me outside when I asked her to please verify some information. I then asked to speak to a manager and they said they would handle it and forgive the debt based off what the previous lady had said to me but wouldnt give me her name or any information to follow up. Im a veteran its based from a debt XXXX years ago which I disputed because Im covered.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I called Experian over 20 times on XX/XX/XXXX. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

CFPB COMPLAINT AGAINST SANTANDER Account Number Ending In : XXXX VIN # XXXX First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by Santander. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

Santander was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.
Consumer complaint received 2022-04-27
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 (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

I have no idea what this is for. This account shows opened in XXXX but it has never appeared on any previous reports until this XXXX How can this be accurate information? No date of last active no date of last payment, but it showed disputed which shows proof they received my letter. 
There was a letter sent to both the bureau XXXX XXXX XXXX XXXX and to Wakefield & Assoc.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX, XXXX XXXXXXXX
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (NJ)

Since the month of XXXX due to the COVID-19 Pandemic my paycheck has been delayed since then we are trying to be responsables by using our little savings and cover our minimum payments. On the month of XXXX sinces our checks were delayed we couldnt make the payment on time now we are trying to cover that payment and bring the account on good standing and we cant. Today XX/XX/2020 @ XXXX XXXX  we spoke with agent id XXXX and asked her if she can help us by removing the 2 late fees for the month of XXXX and XXXX ( Pandemic Time ) and she said no. I dont agree with this behaivor becuase the arenot helping us during this time i am not refusing to make the payment I WANT TO MAKE THE PAYMENT all I am asking is for : THE DERROGATOR REMARKS ON MY CREDIT REPORT TO BE REMOVED and THE REVERSE OF THE TWO LATE PAYMENTS FEE. I will really appreciate your help and understanding my credit score and payment history is excelent becasue I consider myself a Responsable person. 

Thank you in advance for your Help
Consumer complaint received 2020-05-05
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. (AR)

My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$8400.00}