davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-01-13
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. (IL)

I was reviewing my credit report and i saw an in accurate account being reported, I tried to contact the reporting agency with no response, I then contacted EXPERIAN. I advised them of the account being reported in accurately. They said they will look into it, they never provided proof of the account was owed. 

With my understanding of the FDCPA and FCRA they are in violation of these laws. 

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

Fair Credit Reporting Act section * ( 611 ( a ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well. To be provided within ( 5 ) days of completion of your re-investigation
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OH)

I opened an account at Key Bank on XX/XX/18 and deposited 3 checks totaling {$960.00}. The account was then blocked and closed on XX/XX/18, the funds have been disbursed to Key Bank, key bank has notated that the checks are counterfeit which I have contacted the banks that issued them and verified they are absolutely not counterfeit checks. Key refuses to release the funds to me because XXXX in Fraud has locked my account and the branch nor anyone else except for XXXX dept can give me any information on this but its an internal dept and I cant talk to them. This is extremely concerning
Consumer complaint received 2023-01-04
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. (IL)

I would like my name corrected on my consumer report, and I would like nicknames and so forth deleted from my consumer report, In essence, by the law 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol.
Consumer complaint received 2023-01-04
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)

Sent letter on XXXX XXXX XXXX XXXX for account XXXX that has inaccuracies and shows that I owe {$4500.00} to XXXX and TransUnion.
Consumer complaint received 2023-01-04
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. (GA)

To whom it may concern, I recently reviewed my credit profile and noticed that there are inaccuracies and incomplete information and account that have not been verified. 
in accordance with the fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

You are required to delete all incomplete information, inaccurate or can not be verified. 

15 USC 1681 Section 602 States I have the right to Privacy. All non-compliant, untrue, incomplete, and or unverified aspects of alleged derogatory accounts must be promptly negated in its entirety or deleted.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am demanding that this account be updated to Paid as Agreed and Never Late.
Consumer complaint received 2023-01-04
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2018-03-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ME)

This complaint it to do with Carrington mortgage services LLC I have tried to do a loan modification with them Im on my sixth attempt they do not get back to me with information that they request when I call once a week once I submit the information they tell me what they may need I get it to them this last time the girl told me I need to submit a paper which I did the next day which I have a copy of they said because I did not re-submit all the other paperwork so it was all in order they refused three mortgage this is been a problem for almost 2 years now since I was injured at work I have tried to give them payment they sent back stating they would not except any payments toward my mortgage unless it was the entire amount I had not submitted since that point at the beginning of this process I feel I have gone above and beyond trying to get them they refuse to communicate with me when they find a problem as most banks would they do not communicate they just close the system out I am trying to get back on track I am back to work was looking to start making payments but they keep denying state and I am not giving them what they need when I do have proof I have given them everything that they have needed and have asked for I have made the phone calls that they have made no contact to me I was originally with XXXX XXXX XXXX they turned or sold the account to Carrington mortgage services I was in the process of loan modification with them when they turned it over to Carrington they said I had to go through the process again which I started and I did and they feel they communicate with me and XXXX closing the case out I am now on my sixth or seventh time attempting to do this and I was wondering if there is anything that the government can do because I find that this is a little bit on the ridiculous side when a mortgage company will not talk with you and tell you our assist in trying to get everything needed to get this done I do not wish for a foreclosure I have never had a problem until I was injured I am trying to Do all I can to get this back on track and get back to normal payments and get this caught up and paid off at some point in my life this company does not seem to want to work with me when I mentioned call them and try to get additional information of why they said things werent sent and I have proof that they were said they just did not get it and want to put it in their own process of organization I dont know what their issue is but I am falling further and further behind to the point where Im probably going to lose my home and less I get some help please if you need any additional information I will be more than happy to give it to you thank you
Consumer complaint received 2023-01-04
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: SANTANDER HOLDINGS USA, INC. (CA)

I have had several loans for jeeps in the last 10 years. This particular loan was to be paid on a trade. the loan was with Chrysler Capital- I found a new jeep ( licensed Chrysler franchise ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with Chrysler capital ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the Chrysler capital. I was like ok. then in XXXX I called Chrysler capital they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and Chrysler has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and Chrysler Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I was XXXX  for XXXX  XXXX  and came out to my home in foreclosure status, I contacted the FHA resource line and was assigned an agency to help me and I completed all required documentation to get help. 1 month later I get notice my home had been sold. I never received notice of foreclosure only notice of pre foreclosure. I am now distraught and without any resources because they agency that was given to me to mediate said I slipped thru the cracks. Please I'm begging for your help. I have all emails from the agency that was suppose to be helping me. Who when I contacted said we are so sorry contact a lawyer
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (TN)

In accordance with the fair credit reporting act XXXX account number 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
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (MN)

Contacted bluebird about money missing from my account and t told them it was numerous charges that drained my account went over all the charges and then ended conversation. Days later find out only one charge was filed. That charge was found in my favor and money was put on my account called bluebird to get rest of charges disputed filed those charges after gettting bounced around department to department. Days later told I need to file a fraud paperwork and I did that and days later get email saying not accepted, file again they say I didnt file it, ask for email again they give me wrong email, ( all on recorded line ). Sent to right email from my investigation and then l they say denied claim. Even though exact similar charge was accepted and refund given back to me from earlier so doesnt make sense they cant have proof of claim and have proof of denied claim because now only difference is amount. I got lied to and mislead.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (MD)

IAW 15 U.S. Code 1681s2 XXXX Responsibilities of furnishers of information to consumer reporting agencies, a debt collector can not... 

( A ) Reporting information with actual knowledge of errors 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. 

XXXX XXXX, a debt collection company did not provide proof that the debt collection was in fact accurate and belonged to me. The debt collector provided me with a billing statement only. 

I ask the debt collector to provide proof of a signed contract with my signature and that was not provided.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (FL)

Hi, my name is XXXX XXXX and i had just recently opened a Venmo Account because a close friend of mine was offering to help me pay my past dues for my vehicle and rent. Especially my vehicle since it was repossessed by the bank. XXXX. We're on a time limit by the XXXX of XXXX before the vehicle goes to auction.. it's all been a struggle.. 

My husband recently passed away last year on my birthday ; XXXX XXXX and after all that hardship struck my son and I. We were falling behind only a bit before he passed away but after, things started piling up on top of us XXXX after the other. 

So my friend had heard what had happened and offered to help me financially. As stated before, i never had a Venmo account so i created XXXX with the help of my son and had everything set up to the best of my abilities. 

Once that was done, the next day my XXXX XXXX sent me an amount of {$3300.00} dollars to my Venmo account and from there, started the transfer progress. The total amount includes what i owe to get my vehicle back and my rent for the month. 

Today, i received an email stating that my account will be restricted and my transfer was " completed '' and that i will no longer be able to use Venmo 's services because i was in violation of their user agreement. But the money is nowhere to be seen in my account. It said that it was supposed to be transferred by today the XXXX of XXXX but it hasn't. 

And as for why I'm being restricted and and suspended, The Venmo payment only listed it as " XXXX XXXX ''. So i don't know what happened. Please help, we need this money, i need my car back and i need to pay my rent.. I don't know what to do. XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Southwest Credit Systems, L.P. (NC)

Good afternoon, while on XXXX XXXX my personal information was lost on XXXX different occasions. Where someone was using my credit card to purchase all kind of products back in around XXXX or XXXX. It's so long so I don't have exactly date, I called in and was to that this matter was going to be fix which it didn't for over XXXX dollars. 

My second dispute is with southwest credit service. I have been a member of XXXX for all most 20 years and paid all my bills up to date. I have no recollection of of a XXXX service from these guys.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My card was stolen. I reported this to capital one. They opened an investigation and refunded my account. Charges were still being made fraudulently throughout the investigation. So my bank flagged capital one. This led to All payments made to my account being returned NON SUFFICIENT. Due to this capital one closed my account. Even though they say we are not held liable for fraud. This has caused me XXXX points in my credit.
Consumer complaint received 2023-01-04
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. (CA)

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Consumer complaint received 2023-01-04
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)

Please see the attached documents regarding my complaint against EXPERIAN. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXXXXXX XXXX XXXXXXXX. I also filed a CFPB complaint against XXXXXXXX XXXX in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Experian last month.
Consumer complaint received 2023-01-04
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. (TX)

I have several hard inquiries that were not me Id like to get rid of by the companies 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
Consumer complaint received 2023-01-06
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. (FL)

XXXX XXXX, account number ; XXXX account name : US DEPT OF ED XXXX account number : XXXX XXXX5 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.