davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK (KS)

On Monday XX/XX/XXXX, I deposited {$210.00} into my checking account. During the transaction it took the money it told me how much money and then it told me there was an Error, transaction not completed. It did not give me my money back it did not give me a receipt and then the transaction just ended. The screen went back to the beginning. We immediately drove around and spoke to a teller named XXXX XXXX. She told me she would have somebody come and look at the ATM that day and that I would have my funds back within 7 to 10 days. She gave me a case number as well. She also informed me that this happens all the time that the ATM often takes money from people but they're not doing anything about this. They're not fixing the ATM they're continuing to use those ATMs in the company that runs them. I spoke with XXXX XXXX yesterday and she told me I would have my funds back by last night. The funds are still not there. When I called her to explain that the funds were still not there she told me it would take a little bit longer and when I told her I wanted to close my account with them she hung up on me!
Consumer complaint received 2023-06-01
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. (MI)

I have request several times to remove addresss XXXX XXXX XXXX from my personal file and update my current address which I have send valid information to do by my written instructions. Experian has not removed this addresss and hasnt update this address to my valid address by my written request to do so. This is a violation under 15 U.S.C. 1681 I have the right to privacy, and has instructed to remove this address
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I received notice by my bank of suspicious activity this was done only after bank released funds to company who did not have authorization. I notified bank, bank informed me they would only reimbursement me the full amount only if i made contact with company for the amount and if successful I would be reimbursed in full by Wells Fargo, well I did make contact with the proprietor to no avail, could not be reached or not available So pretty much I lost close to {$300.00} + I feel the bank should be accountable since they released funds not knowing if authorized, and I'm notified after the fact.
Consumer complaint received 2023-06-01
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)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (NC)

In an attempt to purchase my leased Audi vehicle, I sent a certified check for over {$27000.00} along with the necessary documentation via XXXX First Class Mail and Fax per the instructions on the documentation to the cost of {$11.00} on XX/XX/2023. Per the successful transmission record from the fax machine, those documents were received same-day. Per the XXXX tracking information, delivery of the certified check and other documents occurred at Audi Financial Services ( XXXX ) office in XXXX, IL, on XX/XX/XXXX at XXXXXXXX XXXX. After hearing nothing regarding my request to purchase, I called XXXX on XX/XX/XXXX to inquire about status. I was told by the representative that they had everything they needed, and the documents and payment were recorded into their system on XX/XX/XXXX. Representative let me know that it usually takes about five ( 5 ) weeks to receive the title at my home address. On XX/XX/XXXX, I received a letter from XXXX at my home address stating that they did not have all of the necessary documentation to complete my request to purchase and can not proceed with the documents. On XX/XX/XXXX, I again called XXXX to inquire about the letter. The representative stated that they did not receive my faxed documents and the previous representative must be mistaken. I provided the date faxed and number from which they were sent, and the representative stated that she found them and they had just been sitting there un-entered. I requested that, since they had the documentation all along, and I was mislead for weeks at this point, if my title can be rushed and then sent via XXXX to my home instead. Representative said she got permission to do so. The following week, I received yet another letter at my home stating that documentation was incomplete. For the third time, I called XXXX on XX/XX/XXXX to ask yet again about the letter and to check that everything had been received. Representative confirmed and said to ignore the letter. She then stated that the title department is very backed up and there's no way to know when I'll get my title sent to me, but they would provide a XXXX tracking number once available. It has now been over six weeks since I mailed the $ XXXX check and all documentation to XXXX and the promised XXXX weeks since being entered into their system. I have reason to believe that they have lost the title to this vehicle and are having to file for a lost title and wait for it to arrive before they can sign off and send to me.
Consumer complaint received 2023-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2023-06-01
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'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 for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (GA)

On XX/XX/2022, I applied for a new checking account with XXXX XXXX  XXXX XXXX XXXX. Since I have a credit freeze with all three credit reporting agencies, I was informed Equifax is the credit agency the bank uses. 

I temporarily lifted the Equifax credit freeze. At the time of the freeze lift, Equifax showed my credit score to be XXXX. When I went back to sign various banking documents, I was given a document showing my credit score to be XXXX. When I questioned the bank representative about the significant credit rating difference ( more than 100 points difference ), she said she would investigate the matter. In addition, I contacted Equifax directly and was told the XXXX score is based on a proprietary formula and often other financial institutions may use a different credit rating formula. However, the Equifax credit score showing XXXX should have been the score issued to the bank. In a follow up call with the bank representative, I explained that Equifax had stated the credit score of XXXX should be the credit score the bank received by Equifax. This means that the bank has their own credit rating formula. The bank representative indicated the score of XXXX is what was received by Equifax. 

I have asked to see the actual credit report the bank received from Equifax. Also, I stated if the bank uses a different formula for determining credit ratings, I wanted that information too. As of today, there has been no further communication with the bank. Either the bank is lying or Equifax. There is a serious problem when the three credit reporting agencies show a credit rating of over 800 points and a bank tells me my credit score is XXXX.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax REINSERTED a previously DELETED item on my credit report WITHOUT sending me a notice within 5 Days. The account reinserted was Dpt of Treasury. Under the FCRA, Equifax is required to send me a notice within 5 days if it is going to REINSERT an item. Equifax has VIOLATED the FCRA by NOT sending me a notice within the 5 Days. This is my SECOND complaint about this as Equifax IGNORED my first complaint. I AM NOT NOT SUBMITTING A DISPUTE. I AM POINTING OUT YOUR OBVIOUS VIOLATION OF REINSERTING THIS ACCOUNT IN MY CREDIT FILE WITHOUT SENDING ME A NOTICE WITHIN 5 days. You have engaged in the enabling of Identity Fraud by placing this account back on my credit report AFTER YOU ALREADY DELETED THIS ITEM BEFORE. I DEMAND you to delete this erroneous information from my credit report AND that you provide monetary relief in the amount of {$1000.00} for this violation of the FCRA.
Consumer complaint received 2023-06-01
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. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-01
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'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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX XXXX ID # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (CA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stenger & Stenger, P.C (OH)

XXXX XXXX XXXX XXXX stenger & Stenger P.C was has violated multiple FDCA Law and was mailed and Affidavit of the truth highlighting the facts of the violation. I have not received any response as of yet. It has been past the 30 day time line. now they are in default.
Consumer complaint received 2022-11-18
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. (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 2023-06-01
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. (CA)

I sent letters to XXXX, Experian and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TX)

My Robinhood brokerage account was hacked on XX/XX/XXXX. Trades were placed causing my account to go negative, which resulted with my account receiving a margin call for the money taken from my account. I notified Robinhood on XX/XX/XXXX, XX/XX/XXXX, and XXXX. they have frozen my account so I cant resolve the margin call which will go on my credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2023-06-01
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (MS)

I was called at random by a debt collector called Wakefield Associates, saying I owned over XXXX dollars and had 6 invoices. They when I visited the hospital on XXXX XXXX and I rebutted by saying that I was not even there for an hour so I why is it XXXX dollars? I went to the hospital that day for an XXXX XXXX. All the doctors did was tell me what I already told them, gave me XXXX and sent me on my way. I had owned over {$600.00} to the hospital at one point for this but those charges were dropped. I shouldn't have to pay anything! I need this disputed.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CREDIT ACCEPTANCE CORPORATION (OH)

i co=signed a loan for my XXXX  XXXX years ago! she makes the payments ( XXXX ) a month! in the past year she has money withdrawn from her check weekly, which totals the loan payment. as the money is sent to credit acceptance, they send me notices that she is behind. which is not the case.! i just retired and have been building my credit since i went bankrupt in 2016! XXXX  tanked my credit rating 3 times since XXXXXXXX XXXX XXXX XXXX! my XXXX  makes these payments and WE call to find out what is going on and they assure us all is good, until i get a notice from XXXX XXXX saying mt credit tanked out! i understand if she has not make these payments, but she has! they get there money and i get crewed! if you look at my credit report, i never miss payments. she is trying to build her credit but it seems it is fruitless with XXXX! we are refinancing her car loan now! so what can i do to fix this? Can you help US