davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy. 

Recently my credit was checked and i was denied credit which cause severe XXXX. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 


XXXX - XXXX, please remove this inaccurate.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo fraudulently and sinisterly said my account was overdrawn when it never was. Wells Fargo fraudulently and deceptively advertises an available balance based on direct deposit that they then arbitrarily decide they dont want to honor as part of a sinister conspiracy to harm the customer to benefit the company. Wells Fargo needs to quit fudging customer accounts as part of a conspiracy to harm them.
Consumer complaint received 2023-10-15
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY (NJ)

We have purchased a used car from XXXX for XXXX USD. I had to pay XXXX USD to remedy some of the issues out of pocket while the car had these symptoms. After spending this money the car has most of these issues. The car had an open XXXX relating to an open recall which the car not even had inspected for. Not to mention that this is an engineering desing flaw, error of the car which XXXX didnt disclose. I finaced this car based on the condition of our conrtact with XXXX. I took this case to XXXX as per our conract and XXXX is declining to provide evidence that this car have been inspected, serviced and repaired prior to selling it to me.
Consumer complaint received 2018-10-19
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)

I HAVE SENT MY IDENTITY THEFT PACKAGE TO EQUIFAX AND THEY ARE NOT COMPLYING WITH FCRA WHICH STATES TO REMOVE ACCOUNTS WITH IN 4 DAYS AS STATED , per FCRA Section 605 B.
Consumer complaint received 2018-10-22
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)

Experian Report Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Experian regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Experian received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Experian provided me with the reinvestigation dispute results on XX/XX/2018 stating " information on this item has been updated. '' ( See attached copy of Experian dispute results. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Experian 's reinvestigation dispute results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Experian has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623. Therefore, if Experian does not immediately remove this account from my  credit report, Experian will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.
Consumer complaint received 2023-10-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. Title 18 USC 1341 ] - Mail Fraud, and [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( 12/31/1974 ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ).

and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ].

Anti-Bribery Statement XXXX XXXX Secretary of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 1985 ). ]
Consumer complaint received 2018-10-19
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. (NC)

I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (ID)

On XXXX XXXX XXXX  I opened a purchase dispute for an XXXX purchase in the amount of XXXX. I ordered a Laptop but XXXX sent an empty box ( full of packaging and heavy box material but no laptop ). This is a well known XXXX scam. I contacted XXXX to report the issue, via phone and the rep told me I could file a return but to get a refund XXXX would expect a laptop. Since it was impossible to send XXXX something they did not originally send me ( effectively refusing the return ) I filed a purchase dispute with Citi. 
As of XXXX Citi claims they have " completed an investigation '' in favor of XXXX Citi has violated my rights under the FCRA multiple times detailed below : 1 ) Citi never sent any acknowledgement of the initial dispute 2 ) Citi never attempted to contact me to get any additional information in regards to this dispute. How can you claim to do a reasonable, unbiased investigation if you do not even talk to the party that has been damaged and needs a dispute resolution? 
3 ) Citi never provided me with the response from XXXX or allowed me to respond they just closed the dispute in XXXX favor with no communication to me. How can you do an investigation in good faith if you are not transparent and allow your customers to respond. 
4 ) Citi missed every major communication required under my FCRA in regards to this dispute 5 ) Citi has clearly a bias in favor of XXXX in this instance. This item was either taken out of the box before it was stocked at XXXX or taken in transit and the package was stuffed with enough material to offset the weight difference. The box was heavy enough from the packaging to not alert me to an issue until I opened the package to realize no laptop was present. I would be interested as to how XXXX could provide " proof '' that the laptop was actually delivered to satisfy an investigation when I just received an empty box. Nothing about this investigation was done thoroughly, above board, or in good faith.
Consumer complaint received 2018-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have reached out to the Transunion, XXXX, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (DE)

I have been trying to get access to my funds and the company MoneyLion will not let me transfer my funds out. I have called, emailed and messaged through the app. They will not provide access to my funds. It has been over two weeks and they are stating that unless I set up a membership with them I can not have access to MY money.
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX I had a capital one credit card for $ XXXX that was used that I didn't know of. I noticed this debt and assumed it was mine because it was on my credit report. I sent capital one a email. After speaking with a number of financial advisors it was determined that I had been a victim of identity theft. I made a police report and placed fraud alerts on reports and have them locked. In XX/XX/XXXX Capital one took me to court in regards to this debt and it was DISMISSED. I have disputed this with the credit XXXX and Capital one refuses to remove this DISMISSED case from my report. There are telling me that this debt is mine. I have spoke with a lawyer in regards to this and what they are doing is illegal. This has been determined that this is NOT my debt and needs to be removed.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have submitted disputes to XXXX on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. XXXX is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in full/ and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Since XXXX of 2018, I have called Capital One to STOP sending me credit card offers. My calls seem to generate more offers. Now from the latest offer, the people just hang up on me after waiting to get into a live person for 20 minutes. I want these to stop. Yes, I'm on the opt-out list!!!
Consumer complaint received 2018-10-19
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. (CA)

Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX COMPANY 1933.
Consumer complaint received 2016-11-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am a veteran and am currently in foreclosure. I had to quit my job as I was not able to get my XXXX due to medical reasons. I then moved to California to get assistance in obtaining employment. My income was now minimum wage, then my XXXX took a spin for the worse and now I am doing XXXX three times a week. I now have no income and now I am going to lose my home. I have not been offered any assistance in keeping my home.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2018-10-22
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)

There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s )  {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
Consumer complaint received 2018-10-22
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: LD Holdings Group, LLC (IL)

I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except LOAN DEPOT via XXXX  which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with LOAN DEPOT and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that LOAN DEPOT sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering loanDepot for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to loanDepot, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with LOAN DEPOT, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by LOAN DEPOT 's " HARD '' hit on my account. 

I called LOAN DEPOT and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called XXXX ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX  nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and XXXX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received a letter from TransUnion saying that they will not reinvestigate my complaint, i am still requesting proof that the account on my credit file that they are claiming belong to me.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NE)

I filed a complaint with the CFPB, in XX/XX/XXXX when I discovered an error in reporting by Ocwen Loan Servicing. Ocwen responded with a letter stating they would correct the reporting with all 4 major credit report companies, ( see attached ). I've been getting turned down for credit cards, so I requested a copy of my credit report from XXXX. 
The first item on the report is the payment history from Ocwen. It still shows late payments for XXXX - XX/XX/XXXX and a 150 day late payment in XX/XX/XXXX. I just reviewed my complaints to the CFPB, and it shows that I did file a complaint and that Ocwen responded with a letter dated XX/XX/XXXX. Letter states that they would get it corrected. 
Obviously, Ocwen is a disaster! Please penalize them, and require them to get this corrected on all credit reporting sites.