davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I placed a fraud alert to help protect me as advised. I am now attempting to apply for a loan through a credit union who can not pull my Experian credit report due to the consumer statement that needs to be removed. I contacted Experian and they assured me through the dispute process the entry was removed. This took place over XXXX hours ago which is their maximum processing time. I called them to confirm since it still shows on my report. I was lied to and given the run around for hours while trying to fix a very simple issue I am an identity works customer and am able to verify my information and have several times but am getting nowhere I need help please advise as Experian customer service program is detrimental to the security of MY LIFE!!!!
Consumer complaint received 2022-11-23
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LD Holdings Group, LLC (WA)

We set up our mortgage with Loan Depot in XXXX of 2020 for XXXX XXXX XXXX XXXX XXXX WA XXXX. We made the XXXX and set up AutoPay. The agent assured us it was set up. In XXXX of 2020 the Autopay was still not pulling we made a phone payment to stay current while the company " figured out '' why the AutoPay was not working. In XXXX of 2020 AutoPay had still not been worked and did not pull the money. We called in at end of XXXX and the rep told us to wait till the XXXX payment because the Auto pay would pull and if we made a payment it would mess up the auto pay. To our dismay this was not true and the Auto Pay was still not working and we ended up with a 30 day late. When we contacted the company they refused to fix this error in reporting since their rep told us not to make that payment. We contacted XXXX credit reporting with no success. They simply parroted what the company told us. If there was actual discovery then the company would see that we had been attempting to set up auto pay. The problem was on them and that their rep told us to hold on payment in XX/XX/2020 as our Autopay was in the system and was supposed to work. It didn't, now we have a late payment. They should give us a refund for the late fee they assessed as well. ( {$54.00} ) I wish companies would just own up when they make a mistake. I just want them to fix the error in reporting 30 day late from XX/XX/2020 and refund my late fee. 

Secondly, they are double reporting my mortgage. This however is just a clerical error I am sure but it would be nice if this was fixed also.
Consumer complaint received 2022-12-19
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to Transunion to investigate 2 bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all 3 consumer agencies, Transunion, XXXX, and XXXX responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that Transunion, XXXX, and XXXX stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my Transunion, XXXX, and XXXX consumer reports. I sent Transunion, XXXX, and XXXX a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all 3 consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all 3 consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Intermex Wire Transfer, LLC (CA)

I made a money transfer through Intermex on XX/XX/2022. The transaction was voided. My receiver did not recieve the XXXX and Intermex refused several times to refund me the money. The reason they stated they would not refund me my money they want my bank records. I will not send them my bank statements. The transaction was voided. XXXX is the number. Please help XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (GA)

The account hasnt updated on my credit report since XXXX of 2022. I was in a bankruptcy that end around XXXX of 2022 and I have called multiple of times to get the account to update it status and nothing was done. I filed a complaint with XXXX XXXX in XXXX and Southeast Toyota Finance did nothing. So in XXXX of 2022 I bought a new car and the XXXX XXXX was payed off that same month and when I checked my credit report this month it still shows on my credit report as a open account with a XXXX balance and shows Im still under a wage earner plan that Im no longer under.
Consumer complaint received 2022-12-19
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. (PA)

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$470.00} experian reports {$0.00} XXXX reports {$240.00} they are reporting XXXX different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look on the 2 year payment history XXXX is also reporting XX/XX/XXXX as the date of last payment they are reporting XXXX different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (MS)

I have not received any notification from Monterey Collection Services that was reported to the credit bureau on XX/XX/2022 nor any documents to dispute such debt. In fact, I have not received any billing statements from this company with any financial agreements. I reported this company for fraudulent practices, including falsified documents. I have requested numerous times for documentation containing my signature as verification, but have still not received any such documentation.
Consumer complaint received 2024-11-05
Product: Credit reporting 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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

I have the Chase Sapphire XXXX card and pay a hefty annual fee for benefits like the travel protection. I have spent 7 months supplying every document XXXX XXXX XXXX  ( the 3rd party used by Chase ) requested to prove my travel claim. Every time they told me they had everything they needed, 2 weeks later they would ask for additional documents and sometimes just a different version of an already submitted document. I talked to the examiner and they even admitted that I actually didnt need the additional documentation that was requested because I had already provided it. Clearly, they didnt even review the documentation they requested. This continued on for many months of submitting more documents and having more phone calls. Around the 5 month mark they told me they would approve the claim and several more weeks go by with no update and when I call back they tell me again that I need even more documentation. Every time you call them with an issue, they request more from you and tell you itll take longer. Finally, the claim examiner left a voicemail ( which I kept as proof ) saying that all is good and that they have submitted the claim for payment and that I will receive more information in the mail. Well, more weeks go by and I call again and they tell me once again, my claim needs more information. It is clear that XXXX XXXX XXXX ( owned by XXXX XXXX ) is trying to delay paying out my claim to bully me into giving up and thus allow them to not pay out. It is clear that this falls into Unreasonable Claim Delay.
Consumer complaint received 2022-11-23
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (NC)

Credit Karma app-As of XX/XX/23 has all my accounts closed, and XXXX XXXX XXXX on XXXX. As has me labeled as deceased. Im very much alive and I find this very disturbing and unprofessional. I would like this addressed and corrected asap. Thank you for you assistance in this matter.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NC)

When I made the complaint to you about what PNC had done to me they took revenge on me by freezing BOTH of my accounts ( my business and personal ) so I could not get access to any of my money causing me a great hardship. My mother was on my persoal account too which caused her financial problems also. 

I was not able to pay any bills and including the death of a pet because they withheld my money without any reason or explanation. Nobody could help me nor could anyone find out why they were doing this to us even though they apologized profusely, acted like they were trying to help, then stabbed me in the back anyway. 
The people they directed to so call investigate and resolve the matter lied to me at every turn. The whole ordeal was a farce. 
They destroyed me financially and emotionally. I was a loyal client for over 15 years until they turned on me this XXXX XXXX through XXXX XXXX. 

We feared for our lives every single time we went into one of their banking establishments praying they would not call the police and have us executed under the guise of them fearing for their lives that we were trying to rob their banks, etc. 

They refused to give me any explanations as to why they were ruining me financially after 15 years of banking with them. 
Then they just closed my account down altogether and told me I only had a short window to get my money out. Even after that, they still would not let me in to retrieve those funds until the last moment.
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (PA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that as a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I will attempt to make payment on website. Since I only use once a year, I get locked out when making payment and I don't always have my card around when trying to make payment. It locks me out for 2 hours. While I forget to return ( which is my fault ), I feel that the 2 hour lock period is too long a lock out period in hopes that people will forget to return to pay bill on time. They did not have autopayment in past and now have it. I spent 20 minutes on phone to set up autopay to prevent future missed payments. Lady on phone had me use 3 browsers over 2 devices and told me it was an error on my devices ' part. I asked if there was someone that could help me sign up for autopay and she said no I had to do it myself and that unfortunately she couldn't help me. I will attempt to check back later, but I feel between an XXXX XXXX and a XXXX computer with browsers of XXXX XXXX, XXXX  and XXXX XXXX, which are so commonly used, this is a tactic on the end of Kohl 's Credit card to prevent payments so that they can continue to collect interest and late payment.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/2022 Sunrise Credit Service furnished an alleged debt to consumer reporting agencies XXXX, XXXX and XXXX. Sunrise Credit Service reported an unauthorized account claiming that it was a collection in the amount of {$370.00} dollars. Sunrise Credit Service also furnished an address which has no association to me and never has claiming that the address belongs to me along with the alleged debt. Due to the fact that Sunrise Credit Service never sent me any notice, I the consumer was never allowed to dispute the validity of the alleged debt or given the opportunity to avoid the inaccurate, unfair and bias credit reporting that has caused me to suffer great financial harm and emotional stress. I sent Sunrise Credit Service a notice disputing the validity of the alleged debt and have not received any documentation requested leaving me the consumer to suffer even further. I have no contract, agreement or dealings with Sunrise Credit Service yet they somehow obtained my personal Identifying Information without my knowledge or consent and used it with no authorization from me the consumer. Sunrise Credit Service has invaded my privacy and defamed my character all while using abusive, deceptive and unfair debt collection practices. I will not stand for the abuse and as a consumer I will not allow a fictitious debt collector injure me any further.
Consumer complaint received 2022-12-19
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

*********Notice of Dispute******** I am disputing this alleged debt. Cease all illegal attempts to collect and communications ( see below ) XX/XX/2022 CEASE AND DESIST NOTICE OF DISPUTE I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Debt Collection Practices Act ( FDCPA ), and am disputing this alleged debt. Navient has violated my privacy and contributed to abusive practices, as I am a federally protected consumer under 15 USC 1692. As a third party debt collector, any debt being attempted to collect, the FDCPA requires that it is done so in a manner that is fair and equitable. Navient illegally obtained personal and private information and is reporting to other financial institutions including XXXX, XXXX and XXXX. I did not grant Navient permissible purpose to obtain the information and report it. I have not been notified that this information is being provided to the highest bidders. I have sustained further emotional and psychological damages because of Navient unfair and deceptive practices. 
As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting to all consumer reporting agencies. 
- XXXX my balances out on each alleged debt - Cease communication except for email and mail ( no phone calls ) - Provide acknowledgment of this official notification that I am opting out of your reporting to the credit reporting agencies ( XXXX, XXXX, and XXXX ). 
- Provide the original contract/agreement that I made with Navient with my wet signature - Anything outside of these demands, Navient will be liable for civil, and criminal liabilities under Title 15.

Do not report ANY information bearing my identification.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FDCPA. 

Regards, XXXX XXXX
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (FL)

BULLCITY FINANCIAL SOLUTIONS ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX...... FALSELY ADDED A COLLECTIONA ACCOUNT FOR XXXX XXXX TO MY XXXX ( AND OTHERS ) CREDIT REPORT. THIS ACCOUNT IS NOT MINE AND I HAVE DISPUTED IT WITH XXXX, AFTER THEY " UPDATED '' THE DISPUTE WITH NO CHANGE I ALSO UPLOADED A COPY OF THE BILL WITH THE TRUE ACCOUNT HOLDERS NAME ( WHICH IS NOT MINE, CLOSE TO MINE NOR A RELATIVE OF MINE ) ALONG WITH A WRITTEN SIGNED STATEMENT THAT THIS IS NOT MY ACCOUNT NOR MY RESPONSIBILITY.