davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$0.00}
Consumer complaint received 2021-06-21
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: Santander Consumer USA Holdings Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-07-05
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 — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC. (NY)

A count my settled - paid in full, my credit score was dropped 50 point after updated infor mation.

2. 
XXXX list 2 separate account even though I have 1 account and make one payment because loan transferred to XXXX XXXX XXXX I had late payments during the Sandy strorm There was no consideration during that period of displacement, and loss of vehicle and change in lifestyle expenses. Also living out of my house since XX/XX/XXXX sand Storm to XX/XX/XXXX for home repairs then XX/XX/XXXX to present for Goverment New York Rising elevation project. 
Paying Hotel expenses and mortgate. 
with tototal 30 month rental assistance.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I encountered problems with accessibility to my funds in my Wells Fargo Bank, after I made mobile deposits. 

Here are the details in chronological order. : 1 ) Monday XX/XX/XXXX, I transferred funds from my IRA at XXXX XXXX Bank, to my checking account at XXXX XXXX bank, in the amount of {$5000.00}. 
I have documentation to prove this. 
2 ) After doing so, I wrote a check for mobile deposit to my Wells Fargo Bank Account. It is dated XX/XX/22 on the check, and posted XX/XX/22 on the online banking app. When I was in the process of making the mobile deposit, the Wells Fargo website stated that part of the funds would be available, the next day. 
3 ) When the funds were not visible in my account, I contacted Wells Fargo, and they stated the check was being held for " verification and processing '' due to insufficient funds. They never explained what this meant. I told them funds were available, and that my XXXX XXXX Bank shows that the money has been withdrawn, therefore it must be in Wells Fargo custody. 
4 ) They told me that my funds would be available in one week, after " verification and processing ''. Not even part of the deposit would be available before that- in direct contradiction of what is quoted in the mobile deposit process. 
5 ) Today is XX/XX/22, XXXX days after all of this transpired, and my {$2000.00} is STILL not available. I was told it would not be available until XX/XX/22, which is in fact 9 days after the deposit posted in my account. 

I am on a limited income, due to retirement. I have bills to pay. Groceries to buy. I can not afford to have money sitting in Wells Fargo for over a week, growing interest for them, while I am waiting to be able to use MY money, that shows up daily in my daily balance, but that I am not able to access. 
This is an unethical business practice, and as I said, it conflicts with the information given during the mobile deposit process.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I disputed inaccurate information about a 30 late payment in XX/XX/2020 with Ally Financial ( Account number # XXXX ) on my XXXX  credit report ( Report Number XXXX hard copy ). The results of XXXX  investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For XXXX  to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 ) means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment. 

How could XXXX  report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with Ally Financial and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like Ally Financial who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # XXXX I was never late 30 days XX/XX/XXXX 30 days XX/XX/XXXX 60 days XX/XX/XXXX 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Hello, I obtained my Experian credit report. There were U.S/ Bankruptcy Court items listed on my credit report. Per the FCRA 623 ( a ) 5 : If the Credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumers credit file. 

After several requests for validation per FCRA 623 ( a ) 5 and 15 USC 1692g- Validation of Debts, Experian has refused to comply with Federal Law that requires them to validate information on a consumers credit file. 

My inquiry to the U.S. Bankruptcy Courts confirmed Experian Credit Bureau has NEVER validated or verified these public records on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are reported by third party sources unaware to the consumer, and in most cases incorrectly. 

They have repeatedly falsely claimed validation on their website and restricted dispute of this matter.
Consumer complaint received 2021-06-21
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: Medical Data Systems, Inc. (TX)

On XX/XX/2021 I sent a validation of debt/Hipaa authorization letter asking Medical Data systems to provide a breakdown of fees, a copy of my signature with the provider of service to release my information and to cease from reporting till validated by me.They failed to respond.XXXX deleted and stop reporting.The other two agencies are still reporting.
Consumer complaint received 2021-06-21
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. (TX)

I contacted Experian about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and Experian informed me they have the right not to investigate which means its okay to update incorrect information.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

My husband had a credit card for Cabela 's and the account was discharged in a Bankruptcy. Cabela 's sold the account to XXXX XXXX and now they are trying to collect from me for the same amount that was discharged. My husband s lawyer had contacted XXXX XXXX and they then removed it from my credit report. Now they are again trying to collect from me and are sending me notices. What do we have to do to get them to stop? This is the 2nd time I am dealing with this same issue. Please help.
Consumer complaint received 2021-06-21
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

Opened an " online '' checking account with Wells Fargo ( WFB ) on XX/XX/2021. Received a confirming email that " Your Account is Open ''. 

Began making deposits/withdrawals, and did so until XXXX XXXX, XXXX when I received a letter from WFB stating the account would be closed unless I drove a minimum of 40 miles to PHYSICALLY SIGN some papers in an unknown branch. 

WFB either lied or deliberately misstated its claim to be an online banking institution when it is forcing its new customers to drive to a brick & mortar location to physically complete was was advertised as an 'online ' banking service. 

Also, I supplied in writing, TWICE, the requested information via regular mail to WFB, which apparently was ignored. 

THEY LIE TO POTENTIAL CUSTOMERS IN ORDER TO USE THE MINIMUM DEPOSITS CUSTOMERS MAKE FOR A FEW WEEKS FOR FREE, in addition to costing unsuspecting individuals costs for check printing, rearranging their financial pictures, etc.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (FL)

I have tried to purchase LED lights on XXXX and used my Vanilla Gift Card through XXXX. The charges were declined. However, Vanilla Card put a hold on {$41.00} and will not release it. After spending 40 minutes on the phone the only answer I was getting, I need to wait 8 days. This is not a refund but a declined transaction. Why are they holding my money for so long? At this point, I hope to get it back but after reading many complaints from other customers, I wouldn't be surprised if they come up with more excuses. Please help!
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Around the XXXX of XXXX, 2020, I was contacted by XXXX XXXX ( Senior Loan Consultant ; NMLS # XXXX ) from my current mortgage holder, Freedom Mortgage ( Corp NMLS # XXXX XXXX. This was in regards to a possible refinance of my existing home loan with them. I compiled the requested documents and signed a loan application. In early XXXX, I received a letter in the mail that the first application had been withdrawn although I never gave permission or was contacted before this was done. When I contacted XXXX, he assured me nothing was wrong but that I needed to fill out a second loan application and the details would stay the same. After XX/XX/XXXX, we never heard from XXXX XXXX again or about the status of the second loan application. In early XXXX, I was contacted by Freedom Mortgage about our loan application and that it had stalled. The Freedom Mortgage phone representative said they needed a few more documents and would email what Freedom Mortgage needed, but that person never contacted or followed up with me. On XX/XX/XXXX, I called Freedom Mortage to inquired about the status of the second loan application and issues with communication. I was put in touch with XXXX XXXX ( NMLS # XXXX ). After going over the situation, he said we could move forward. XXXX said I would need to resubmit all the data, start a new loan application, and rerun my credit score. I did not want to rerun my credit score because of the previous issues were on Freedom Mortgages end, but assured me that it was okay. I resubmitted the required documents, agreed to the second credit pull, but I did not sign the third loan application as my wife 's name was wrong on the form and I had some further questions before signing. I emailed XXXX XXXX my concerns. I followed up with emails on XX/XX/XXXX, XXXX, and XX/XX/XXXX and several phone calls and voice messages that went unanswered and unreturned. On XX/XX/XXXX, I contacted Freedom Mortgage again and requested to speak with XXXX supervisor. I explained my issues for the past 2+ months and that I had not be contacted about my previous two loan applications and I wanted more information before signing a third application. The supervisor said he would contact me ASAP to figure everything out. As of XX/XX/XXXX, I have still not been contacted by Freedom Mortgage about anything. My complaint is in regards to the requests to fill out multiple loan applications, not communicating the status of my loan applications ( approved or denied ), the second credit pull, and overall poor communication regarding the status and process of the refinancing.
Consumer complaint received 2022-06-30
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. (AZ)

In accordance with the fair credit reporting act XXXX account XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2022-05-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-30
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. (TX)

Credit Inquires needed to be removed XXXX XXXX XXXX- XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts needed to be removed XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXXXXXX XXXX
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: AXOS FINANCIAL, INC. (FL)

Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Axos Bank - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX
Consumer complaint received 2021-06-21
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. (FL)

I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- XXXX XXXX sheriff 's Report 3-Identity Theft Victims Complaint Affidavit 4- IRS Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit XXXX  XXXX # XXXX XXXX XXXXXXXX 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 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FRESNO CREDIT BUREAU (CA)

On XX/XX/XXXX, I was very sick and was having trouble XXXX  and needed XXXX  and was taken to XXXX by my boyfriend. While I was in the chair and ready to be XXXX  with the XXXX, the XXXX  tech demands I sign a paper and states that unless I SIGN it they will not draw my XXXX. I ask what the problem is as I have XXXX XXXX  and have met my $ XXXX deductible for the year, and had previously checked with XXXX to make sure I was covered! She states that's their policy in case XXXX doesn't pay ( she tries to calm me down my saying they will probably pay and it might not be an issue ) but demands I sign it. 
I should have refused, however, I was very sick and just wanted to get it over with and leave to go home. I was running a XXXX, could barely XXXX, and was XXXX  and XXXX. 
I get the bill later and see that they are trying to bill me for part of the XXXX, so I call XXXX, XXXX states maybe its a problem with the coding, so I call my XXXX and they send over codes to try and correct the issue. This goes on and on for months, with several calls to XXXX and XXXX trying to correct this, then in early XXXX I start getting threatening calls from XXXX stating they will send me to Collections, so again I call XXXX and explain the whole thing again. They call XXXX with me on the phone and explain to XXXX that I have ZERO LIABILITY per their CONTRACT. XXXX sends my file to CREDITORS BUREAU USA -A COLLECTION AGENCY and states that I signed their paperwork the day of the XXXX  draw, which makes me responsible! I call XXXX again and beg them to intervene as this is not right, legal, or ethical to demand someone sign something under duress, when I paid thousands of dollars to XXXX and for XXXX insurance coverage, to now be harassed and have my credit tarnished. XXXX states they cant do anything except note it in their " file '' for when they negotiate their contracts with XXXX!!!! So not their problem apparently, and XXXX  is forcing AND DEMANDING UNDER DURESS patients to basically agree to be " back billed '' for services that should be covered by their insurance. HOW IS THIS LEGAL????? HELP!!!! 
I have been refused credit now and have had my credit limits lowered because of their negligence, fraud and illegal activity! My credit was perfect and they have ruined it! THE PAPERWORK I ATTACHED FROM XXXX SHOWS ZERO PATIENT RESPONSIBILITY!
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I check my credit score every month on XXXX XXXX. For as long as I can remember now my credit score has been at XXXX or XXXX. I get an email from XXXX XXXX a few days ago saying my score has dropped. I log on and to my surprise my score has dropped by 107 points, I was devastated by this news. I had no idea what could have caused this drastic and sudden decline. I havent had a loan or credit card in several years and my score has remained the same. I never missed or was late on a payment on neither my car loan nor my credit card. The only thing I seen that was different was that from my XXXX credit score to my XXXX credit score was that I had two auto loans that went down to one. Ive never had any more than one auto loan and like I stated previously its been a few years since I paid it off. Any help with this situation would be greatly appreciated.