davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is listing 13 hard inquires on my credit report illegally. Be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (IN)

On XX/XX/2020 I found that someone had hit my account with 46 transactions that were pending and I had no funds left in my account. I contacted Current Bank and told them about the transactions that were pending and was told that I would have to let them go through and then dispute. I did all that. Its almost {$1400.00} if my money thats been gone now for 90 days. I contact them several times about my dispute to be told Im still just going to have to wait, the dispute team is on it. I then ask again today to make sure that my money would be back in my account on the XXXX since it is their last day for a decision on this dispute and was told it may be longer now. Im done waiting on my money and feel that this bank has done nothing to return it. I have all information that they wanted which isnt much because I have no clue what XXXX even is, but I turned in my dispute paperwork promptly. I need help!
Consumer complaint received 2021-08-09
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-03
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: WELLS FARGO & COMPANY (TX)

WELLS FARGO CARD SERVICE XX/XX/2015 {$180.00} Account was supposed to be closed and another charge appeared on the statement and Wells Fargo would not let me dispute the purchase and account was close and shows on my credit report
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received responses informing me the investigation was complete from them and I had documents provided by the debt collectors providing me invalid forms of proof in order to justify illegally reporting these collections on my report. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time their willful improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (FL)

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-11-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LD Holdings Group, LLC (CA)

i have a bad situation here. After Loan Depot processed my loan in XX/XX/2020 I logged into their payment portal and made a payment for {$4000.00} successfully. Half of it was applied to the principal and even their system shows that. But when I logged in today ( XXXX ) to make another payment the portal didn't allow me. I called their customer support and after being on hold for 30 minutes I spoke to someone name XXXX. She was very helpful and patient with my situation. After 1.5 hours of talking to her though she told me my account has a " Bad Stop '' on it because of bad checks, insufficient funds, bad social security, and more! I have NEVER written a check to Loan Depot. My electronic payment which included extra principal was successful and the Loan Depot portal shows that. She even confirmed my social security is correct so it appears to me someone else 's problem got logged into my account. She finally acknowledged that someone at Loan Depot messed up my account. The case number she gave me is XXXX. My loan number is XXXX. Right now Loan Deport only allows me to send money through a certified check and this is because of Loan Depot 's own mistake, not mine! XXXX said it has been escalated to her manager. I was on the phone for 2 hours this morning. I switched to Loan Depot from XXXX just because of these kinds of idiocracies. The clerk who did this to my account at Loan Depot should be found and coached. It's totally unfair that I have to go through this kind of scary situations with a bad stop on my account just because someone messed up my account, especially after I made my first successful payment. Loan Depot 's mistake is not allowing me make payments while holding me accountable for a payment they don't allow me to make because of the " bad stop '' they placed on my account wrongfully and illegally
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (PA)

Calvary Portfolio Service placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Consumer complaint received 2020-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and Bank of America hoping that they would resolve this issue. The account I am disputing is Bank of America account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. 

First, I am disputing this account because I thought I was able to fix this with Bank of America when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, Bank of America has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.
Consumer complaint received 2020-11-13
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. (NV)

My information was leaked in the XXXX  data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had filed a dispute with Bank of America, who is responsible in distributing my funds from unemployment. Someone withdrew {$800.00} from my account XX/XX/XXXX of last year, I had filed a dispute and it was ultimately approved and was deemed permanent in XXXX. On XX/XX/XXXX, Bank of America froze my account putting the blame on XXXX, which was entirely false. When they froze my account the original claim that was permanent was taken back from me and I received a letter in the mail saying that because of the account being froze the claim was closed and the credit will be taken back. I have been back and forth with them for months over this issue, and once again they had frozen my prepaid account in XXXX and just now reopened it over the weekend. They have not resolved my dispute and I just now had to refile the same claim for reconsideration that I have been fighting for months. I would like assistance in this matter because they are taking advantage of me and making me run around in circles.
Consumer complaint received 2020-11-13
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have major problems with Fifth Third Bank and the credit card I used to make a online purchase The product stopped working after several days and the seller did not answer or respond in any way. I filed a dispute with Fifth Third Bank and gave a full explanation This was mid XX/XX/2020 They credited the charge but I did not hear anything for three or four weeks Since this was not being handled I searched out the seller. I found him and got a return authorization return shipping label. Product was returned XX/XX/2020 via USPS I advised Fifth Third Bank the status and it appeared they just ignored it Then they charged the purchase back to my account on XX/XX/2020 On XX/XX/2020 I sent the tracking number info from the Post Office to them via email to attention of a XXXX XXXX I got no response and the charge was not removed I decided that I did everything I could so I just ignored it. Then on XX/XX/2020 I received an email XXXX XXXX XXXX that Fifth Third Bank had reported me as delinquent and my FIC O credit score had dropped 106 points from XXXX to XXXX. To put it mildly I was livid I could not get through to them and when I tried I was put on hold for over 30 minutes. So on XX/XX/2020 I sent a two page email to XXXX XXXX giving a history with attachments I know he got the email because a XXXX from his office called me and the gist of the discussion was she said well they denied your claim I am done wit h this. I now want justice and I am going to get it. If not from your agency then from another. I will not stop.I am attaching documentation to support my case
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX/XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX This is a FCRA law violation. I was never late. 
XXXX XXXX XXXX {$41000.00} This is a FCRA law violation. I was never late. 
XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-09
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. (LA)

I have spoke to XXXX, XXXX  and TransUnion and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (WA)

Dear sirs and/or madames, My name is XXXX XXXX. I recently paid off a lien from Wells Fargo on my XXXX XXXX XXXX XXXX. It was paid XX/XX/XXXX for the remainder of {$3100.00}. The full amount of lien exceeded {$14000.00}. I received information that the lien release would be in the mail as of XX/XX/XXXX via informed delivery USPS. Informed Delivery with USPS has been spotty at best, and I am not sure that the postal worker delivers accurately. That, however, is beside the point. Now that I have paid the loan, I can no longer access my online account with Wells Fargo Auto. There's been no email correspondence from them about the payment. 

I recently moved with my family to XXXXXXXX XXXX, from XXXX  XXXXXXXX XXXX I flew back to XXXX from XXXX on XX/XX/XXXX to finalize a sale with XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX. There are no XXXX stations near enough to make owning the vehicle viable here. The flight cost me {$320.00}. The trip to XXXX cost me {$89.00}. The trip to the airport to go back to XXXX cost me {$50.00} plus a tip. The trip back to my apartment from XXXX cost {$96.00}. 

I granted my mother power of attorney in order to sell the vehicle in my absence, since can not be in two cities so far apart at once. The cost was {$10.00} to have papers notarized. I contacted Wells Fargo Auto on XX/XX/XXXX when I was still missing the lien release from the mail. They informed me that they would email the lien release, but that it would take 7-10 business days. On XX/XX/XXXX, I called again to request that the lien release be faxed to XXXX ( XXXX ) XXXX. They again informed me that it would take 7-10 business days to process. 

I have since called XXXX ( XXXX ) XXXX thrice on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX to see if they received the lien release. They reported back to me that they had not received it. I also have not received the second mailed lien release that I requested on XX/XX/XXXX. I made the final phone call to XXXX today XX/XX/XXXX after visiting with a banker at the local Wells Fargo Banking Center here in XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ). 

The banker was kind and professional, but he could not provide me with the lien release either.
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to both Transunion and XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been 57 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have paid off in aggressive amount of money through collection companies signed up with agreement to the bureaus XXXX and i have paid XXXX in XXXX with agreement that 30 days max that it will not show on report. Now i have a son to support and my score has went up but the accounts i paid off still shows even though it shows paid its stops me from getting a loan, in desperate need to get an place to live and support my son. I want the accounts paid all taken off my report. My score Jumped 70 points since XXXX, i was victim of fraud in 2017 amd the credit bureau promised it would not be shown paid but off my record 100 % that was deal with the lawyer said 60 days max. I need my score to go up snd will jump another to tier 2 maybe even 1 i have done my part i have no more $ $ for companies to want to fight for me. Im close to losing everything cause i have done what was rite snd paid debt. Please please just help and look that i have paid snd please take off my report the things i have paid
Consumer complaint received 2021-11-29
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. (CA)

I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.