davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
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. (GA)

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX  which I disputed this account with the Bureau back in XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Consumer complaint received 2022-04-28
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. (MD)

XXXX Transunion and XXXX have damaged me. 

The stupid methodologies used are outdated irrelevant and make no sense. 

I have worked very hard to make my credit report be as perfect as an imperfect person can. 

1. I understand what the credit report is supposed to do 2. I am competent in understand what is being relayed to me in my report 3. I understand that the three bureaus have XXXX XXXX that do not accurately relay timely information to the clients they get compensated from. 

With the being said I XXXX XXXX am telling the 3 Bureaus that the way they use the information and their formulas have unduly caused damage to me in my pursuit of obtaining my financial goals. 

I am a XXXX XXXX XXXX and have been actively engaged and participating since the age of XXXX. I am now XXXX  years of age. I have experienced my share of financial ups and downs. Not having anyone to loan me a {>= $1,000,000} to get me started I traveled on my journey as best I could. I must say I consider myself a SUCCESS STORY! 

In reviewing the DAMMING INFORMATION the 3 Bureaus portray in my record I do not believe it accurately portrays my lifes financial story ACCURATELY! 

I do not want a canned response to my complaint. I want the Bureaus to explain line by line how each item is weighted. 

I. E. Mortgage Loans that are paid in full have more than just payment history to consider. Did they sell it outright or is it an asset they own outright now? Shouldn't that compute into credit worthiness? Just to say it was paid in full doesn't do much for making that determination.

I.E. Closed accounts dont count in Aged Accounts Computation nor do Paid in full for Length of time of accounts I.E. Why a debt that is 7 years old is allowed to reappear I.E Weight established for debt and amounts etc Overall I can use my specific case to designate each issue I have with the way and methodology used to establish a score. 

It's too much to try to get my issues resolved with canned responses.
Consumer complaint received 2022-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

I was told on XX/XX/XXXX by Venmo that my account was temporarily frozen due to unusual activity, seeing how I haven't used my account in a long time, so I emailed them my driver 's license to prove my identity. Shortly after they temporarily suspended my account. The money I transferred into my Venmo was from my bank account, I don't see the issue here. I've called numerous times and get the same answer XXXX to XXXX business days.. and my account is priority, I'm sick and tired of the lies, I just want my money and my account to be closed
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

Too whom it may concern, i am submitting this complaint on my own with no third party involved. Firstmark Services continue to call my phone to collect a debt that's a result of Identity theft. I have sent Firstmark a FTC report, police report, and affidavit and they have yet to remove this account from my credit report. I'm asking Firstmark Services to SWEAR UNDER PENALTY OF PERJURY they were there when I " Allegedly '' obtain the goods and services. Also, i want to send notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me. If you must contact me, please do so in writing and not by telephone. Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my WET signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely FRAUDULENT and as such represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2022-04-07
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: National Credit Systems,Inc. (TX)

I applied for an apartment unit at XXXX XXXX apartment complex. I paid for the application fee online, using the website provided by XXXX XXXX. My application was later denied. A couple of days after the denial, I received a letter ( dated XX/XX/2022 ) from XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX, the managing company for XXXX XXXX. Within the notice is a stamp from XXXX, noting that we have the option to dispute the disposition by submitting in writting within 30 days to XXXX. XXXX claimed I still owed the applicaiton fee of {$50.00} and a returned check fee of {$50.00}. On XX/XX/2022 I sent my written dispute via email to XXXX, to dispute the payment being returned. I requested for proof of returned payment. I also informed her to provide a response to me within 30 days of receiving my payment dispute. I never heard back from XXXX, neither by phone, mail or email. I sent another email on XX/XX/2022, and again on XX/XX/2022, with no response from XXXX. I contacted XXXX XXXX ( spoke to XXXX XXXX and she informed me I was following the right protocol by emailing XXXX with my dispute. It was yesterday XX/XX/2022 when I learned that my credit was affected and it showed the {$100.00} balance was in debt collections with XXXX XXXX. I sent XXXX another email, and this time I included the CEO of XXXX XXXX XXXX, XXXX XXXX, and finally, after multiple attemps of trying to reach her, she responded to me. This is months later, after my first initial email. XXXX didn't even glance at my dispute, she immediatly said I owed them {$100.00} and the only way to resolve is to pay. Not once did she ask me for proof to show the payment wasn't returned. I replied back to her and the CEO to explain I was still disputing this payment, I even offered to send bank statements. As of today, I haven't heard back from her.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (CA)

Fraud was committed on my American Express. My original purchase was declined by American Express, so I used another credit card. After my other credit card went through, American Express went back and charged my card. I submitted documented proof of this. I also had a credit balance on my American Express account of {$3000.00}. American Express did credit my account for the fraud, but then that would change and go back and fourth. No matter what I do, American Express will not send me my money. I requested a wire transfer that takes XXXX business day... I did not want a check. Thus far, American Express has lied to me : We sent you an email... no they didn't... We sent you a check, no they didn't. I sent wire instructions XXXX times. I got the wire transfer instructions directly from my XXXX account. American Express contends they have the wrong instructions, or they've sent a check or they've done something, but they've done nothing. This has been going on for several months. I've spent hours on the phone with the fraud department and hours in the chat room. No matter what I do, they won't give me my money. 
I tried calling CFPB, but I don't have a cell phone... The phone I use does not work.
Consumer complaint received 2022-04-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Me and my family tried renting a house we saw a listing on an app that said it was secure we set up a time to go see the house the same number texted us to go in and we saw the house in person so we didnt think anything of it, the person was impersonating a landlord, they texted us and sent us a application for the home we did it and they said we got approved instantly, me and my family were desperate to look for another home due to money issues we accepted and they then sent us a lease agreement online and since weve never rented a house before we thought it was normal we talked on the phone and everything seemed good, we didnt think anything of It so we signed and were told we were going to get the keys the next they, we were blocked the next day and never got the house we gave out personal information as well. We contacted my bank Wells Fargo and XXXX since we did the transaction there they said we couldnt get the money back and said to only send money to trusted people but the person completely fooled us and gained our trust it was an honest mistake and they need to help us I dont know what else to do this happened about 11 days ago.
Consumer complaint received 2022-06-25
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-09-07
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: Sequium Asset Solutions, LLC (FL)

SEQUIUM ASSET SOLUTION is reporting a collection on my report after I have disputed the debt and asked for very specific verification details in which they will not provide. I am asking for verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me something stating the original creditor but this is not a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information that is known or which should be known to be false. 

Addittionally this is still reporting to XXXX XXXX and XXXX and they never listed the account as being disputed from the collection agency which is another violation. Its sad that they are ignoring my mail and breaking the law without a care to do the right thing.
Consumer complaint received 2022-06-25
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Chexsystems has incorrect information attached to my social security number and personal information. I was a victim of identity theft back in XXXX and XXXX. Fraud alerts and police reports were filed as to my purse being stolen. Bank accounts were opened in my name and credit cards that I have disputed over there years and have been deleted from my credit report. Chexsystems has these inaccuracies still attached to my name and social security number. I would like all inaccuracies to be deleted from their data base.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX, XXXX, and Experian are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Consumer complaint received 2022-12-13
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 2023-08-10
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. (OH)

I set up an account with Transunion, XXXX and XXXX so I can look at my credit report on scores online, and after a few days Transunion and XXXX is saying i have the wrong log in. XXXX says my file is blocked and just shows null on every page. I have made countless attempts to contact someone but the numbers send me into a loop and then hang up on my. I have sent them a letter about this problem and received no response.
Consumer complaint received 2022-06-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00}
Consumer complaint received 2022-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Network Inc. (CT)

American Financial Network called me yesterday XX/XX/2022 and I called back at XXXX PM and the call lasted 10 minutes and 23 seconds. During the conversation I was told nothing about the company needing any additional information, I was told nothing about what the status of the loan modification was, and then during the end of the call, I was told that my mortgage was under review and pending approval for a loan modification. 

I do not know what to do when I am constantly getting different information every time I speak to people at American Financial Network and XXXX XXXX XXXX. I can't decide what to do or what steps I need to take as a result. I have provided the information requested by American Financial Network and XXXX countless times without fail. I would also not that recently I was told that XXXX has the mortgage or loan number XXXX. I have no idea what is expected of me or what to do and this fraud and misinformation campaign needs to end!!
Consumer complaint received 2023-06-28
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. (AZ)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

The following companies did not had permission or authorization to request a copy of my credit report. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I demand the deletion of these inquires from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.