davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
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: MONEY SOURCE, INC., THE (NJ)

12 CFR 1024.35 ( i ) : In the 60-day period after receiving an error notice, a servicer may not furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the error notice.

The consumer provided a Notice of Error/ Qualified Written Request ( QWR ) dtd XX/XX/XXXX and TMS receipted the same Notice of Error on XX/XX/XXXX. The date TMS receipted the Notice of Error/ QWR starts the clock for 60-day period. Yet, TMS submitted derogatory information 30 day late payment to the Credit Bureaus on XX/XX/XXXX.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-17
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. (CA)

I experienced identity theft in XX/XX/2019. Someone had applied for 3 credit cards with two weeks using my personal identity. 

I received an alert and immediately notified all the credit card companies where they received the application, as well as all the credit bureaus. 

The credit card companies never issued a credit card, because they could not verify my identity. 

Credit card companies ( XXXX XXXX ( two applications ) and XXXX XXXX ) notified all credit bureaus that a fraudulent application was filed and was identified as identity theft. They also provided me a written letter that they have notified all other parties about this fraud. 

XXXX and XXXX XXXX both immediately removed unauthorized hard inquiry, however, Equifax refuses to answer or fix this error. 

I have tried to resolve this issue by calling, writing, faxing them multiple times, and have also included a letters from the credit card companies that this was a fraud / identity theft that they detected, yet Equifax refuses to listen. All they do is put me on hold for 20-30 min at a time and say we can't answer you, but expect a response in the mail, but never send me any reason why they can fix this error.
Consumer complaint received 2019-03-06
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: LEXISNEXIS (MO)

I have a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of  release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from Lexis Nexis. When I contacted Lexis Nexis they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX   and Lexis Nexis. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( XXXX, Experian, and XXXX ).  All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AE)

On XX/XX/2019 I received a credit report notification from my XXXX credit monitoring account that a notice of collections had been filed on my credit report. My credit monitoring company states this collections notification was started on XX/XX/2019. I received no notification of any kind from the company named Diversified Consultants. I am an XXXX XXXX military member serving overseas. Diversified consultants claims XXXX XXXX XXXX is the company responsible. I verified with XXXX XXXX XXXX that my account had been closed and that my account balance was {$0.00} prior to my XXXX XXXX XXXX overseas move. Diversified consultants attempted to place another collections file on my credit report one year ago. I disputed this claim last year and the claim was removed from my credit report. Now there is another collections notice from the same company for the same reason one year later. This account was closed in good standing and has already been removed from my credit report previously. There is no basis whatsoever for this collections report. I have never missed a credit payment in the history of my credit report.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I have on numerous occasions experienced a great deal of difficulty accessing funds deposited with this institution. The problem is not so much accessibility ( although they do make it difficult ) as it is privacy. For any transaction, except for deposits, they require ID, this is understandable however asking me why I am withdrawing my own funds or what I plan to do with my income tax refund is none of their business and was not done in the framework or tone of providing any additional service. It was a barrier. They have asked for 2 forms of ID at one point and also informed me that my drivers license was expired on another occasion. This has happened numerous times at this branch and happens to others as well. PNC Bank XXXX XXXX, XXXX, Pennsylvania.
Consumer complaint received 2019-05-17
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. (TX)

On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.
Consumer complaint received 2019-05-17
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. (TX)

On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX credit card services reported that there was an incorrect 30 day late payment on my credit card. After an investigation, XXXX XXXX realized they made an error and reported it to XXXX, who updated my credit file. However, Equifax has not. Please have them fix this problem immediately.
Consumer complaint received 2019-05-17
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)

On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.
Consumer complaint received 2019-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (FL)

This firm persists in collection of a debt not owed to them. I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. This has not been received.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I deposited my payroll check thru the ATM at around XXXX XXXX, before their cutoff time, my payroll that it's drawn from Bank of America. I've been depositing my payroll checks from the same company thru the ATM for the past XXXX XXXX years. A hold was placed on my check the following day making the funds available until the following Tuesday the 26. I called customer service on Saturday morning and spoke to XXXX from XXXX New York to ask why there was a hold and if I can get it removed since the check is drawn from their bank and they can verify if the funds are available. She was not helpful at all, she did not give me any reason as for why she couldn't release the hold and that it didn't matter if it was drawn from Bank of America. I had no choice but to wait until Tuesday. Tuesday comes around and my funds are available but they decided to charge my accounts 2 debit transactions on Monday while charging me 2 non-sufficient funds fee of {$35.00} each. To my understanding from their agreement, all debits and credits done over the weekend and Monday, are processed on Tuesdays, So I don't understand why they decided to process my debts on Monday. Even if they wanted to process them, they could have paid them since they could see that I would have money available the next day. Now, on Monday XX/XX/XXXX before their cutoff, I went and deposited a cashiers check for {$5000.00} thru the atm and they decided to place it on hold also until XX/XX/XXXX. Now to my understanding, a cashiers check is guaranteed funds. So I called on Tuesday XX/XX/XXXX and spoke to XXXX and his manager XXXX from XXXX XXXX customer service center and asked them if they can help me and remove the hold. All I got from them was that it was still a check and it was subject to that type of hold with no regards that it was a cashier 's check. Now I have to wait a week before these funds are available with no valid explanation. while I had them on the phone I asked about the debt transactions that they processed on Monday and all I got from XXXX the manager was, " that's what came in ''. I really feel like they are not there for their customers anymore and feel like this is a XXXX XXXX kind of situation where they decide what's best for them so that they can charge fees.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

My sister gave me a check to cash out from her back which is XXXX XXXX, I went to Citibank ( my bank ) to cash it out but the cashier told me I had to deposit it first and after she deposited she said I was only able to take out a small amount today, which she didnt inform me about before depositing the check at all ( the whole check was for {$5000.00} ) I need this money tomorrow ( XX/XX/19 ), because Im buying my mother a car, I even went to the branch to reverse it and they couldnt do it because the manager wasnt there. Im located in XXXX, Florida. Please help me with this, this happened on XX/XX/2019
Consumer complaint received 2019-05-17
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. (TX)

I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the credit bureaus.
Consumer complaint received 2019-02-26
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. (UT)

XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.
Consumer complaint received 2019-05-17
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 (FL)

I called in to open my account back up with capitol one and pay the card off so I could get back to building my credit. 
I had fallen on a tough time so there was a point in time where I couldn't really make payments. 
When I called in to make the payment, the agent on the phone told me if I did make a payment that day, and paid off most of the balance they would reopen my card. 
It's been a week, and when I called today another representative has told me I would not be able to reopen the acct and I would have to open another credit line. 
I feel the original collector deceived me into a payment at this point and I am out XXXX $ on a XXXX $ credit card!! when I could of just been givin the option to pay it off over time rather than be lied to collect a payment that day. 
Now I have called my bank to file a dispute on the charge on my account since I was lied to into collecting the debt. He was trying really hard to make me make a payment on the phone, however I did not feel right with how persistent he was so I went ahead and made it online. None the less I was still lied to into making a payment, and now I don't know how I'm going to pay my bills right now because I trusted the fact they would reopen my card. 

All this was done on the phone, so the recording would be with the company. It would be the phone call before the last one I made today.