davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-29
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. (NC)

On XX/XX/2021 I submitted a complaint with proof concerning inaccuracies on my credit report for an account with XXXX XXXX. 
XXXX  and Equifax closed the complaint stating they had updated the account accurately XXXX these complaint numbers are XXXX and XXXX ). The account still does not match between these two bureaus. 
Per USC 1681i ( 5 ) - if, 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. 

I am submitting a copy of the payment section for XXXX XXXX account that was updated by Equifax and XXXX. These two reports still do not match. XXXX  still has the XX/XX/2021 complaint open and it will be 30 days on tomorrow ( complaint # XXXX XXXX. 

This complaint also includes open complaint numbers # XXXX, XXXX, and XXXX concerning the same issue. Please have this account deleted at once. If this account is not deleted I plan to seek litigation.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (HI)

XX/XX/XXXX Ordered a Grill from XXXX using my Apple/Mastercard from Goldman Sachs for {$110.00}, No response from XXXX in the form of Confirmation E-mails, Shipping Dates and Tracking Number for the Product and No Product received, XX/XX/XXXX I file a Fraudulent Complaint with Goldman Sachs who handles the Credit Card, They open an investigation and I ask how long will this take and they say their policy can take up to 3 months before a decision is made. I stress to them I received no e-mails, shipping dates and no product so how could they take this long? I wait 3 months then I begin to call the Fraud Department XXXX ( XXXX ) XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX. Hawaii time, spoke with XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, Tuesday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, They say every time I called it's been escalated to the Upper Management Team and they are having problems with how they conducted the dispute procedure. Thursday XX/XX/XXXX, I receive a call at approximately XXXX XXXX. from XXXX and she states she is from The Office of the President Advocacy Department and says they are resolving my dispute in my favor and it should be on my Apple MasterCard Account no later than XX/XX/XXXX and if not I should call the department. No E-mail or any contact regarding this so I call back on XX/XX/XXXX and talk with XXXX at XXXX XXXX. Hawaii time and she said I need to call back tomorrow Friday XX/XX/XXXX. I call back Monday XX/XX/XXXX at approximately XXXX XXXX. and speak with XXXX who then transfers me over to XXXX who is a Total whatever, anyway I stress to her if they have confirmation E-mails, Tracking number, shipping dates I would like to have that sent to me. She said she could do that but it might take 2 or 3 weeks by Mail, I said that's RIDICULOUS but send it anyway, well NOTHING shows up!!! Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time I call and speak with XXXX, who then transfers me to XXXX who proceeds to tell me my case is so old that's why they can't find the papers and have not sent me anything. Then she proceeds to tell me how she handled her own case like this with another Credit Card Company and insinuates I should eat the cost. XXXX NO!!! I NEVER RECEIVED THIS PRODUCT, I NEVER RECEIVED ANY SHIPPING OR TRACKING INFORMATION!!! 
WHAT THE XXXX IS GOING ON " GOLDMAN SACHS ''??? PLEASE HELP ME!!!
Consumer complaint received 2021-06-30
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. (MD)

I am highly DISTURBED about the credit bureaus have not responding back to me in regarding my investigation. This is a matter that I take serious. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my 2nd time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a REAL person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Please do your job!!!! I have attached my ID and utility bill to show who i am!
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

Complaint against AmeriHome Mortgage in XXXX, NJ. 

- 1st Mortgage payment due XX/XX/XXXX, payment attempt made XX/XX/XXXX via phone using routing and acct number after online payment could not be made online because of Amerihome 's website failure. A confirmation number was provided at that time for phone payment. Phone call made XX/XX/XXXX to fix problems logging onto account and discovered that no payment had been made. 
- XX/XX/XXXX payment made via phone for full amount - XX/XX/XXXX " returned payment reversal '' for no explained reason, and no notification, and now our payment is late - XX/XX/XXXX payment attempt number 3, also for full amount. 
- XX/XX/XXXX : payment confirmation email received - XX/XX/XXXX another " returned payment reversal '', again for no known reason, no notification - XX/XX/XXXX payment attempt number 4 made over the phone to Amerihome representative, now in collections! Finally gained access to our online account to see our payment history, very concerned about our credit score being severely affected through no fault of our own. AmeriHome is not able to email their customers ANY confirmation of payment. This is unacceptable! Amerihome representative promised to call us on XX/XX/XXXX to confirm payment " cleared. '' We were assured payment " should clear around midnight. '' XXXX : contacted collections to establish a credit dispute. Amerihome representative looked up payment information in the system and confirmed it was correct and that payment had been made that day. Representative unable to say whether payment would clear in time to avoid reporting to credit bureau. Representative said website goes down " every now and then. '' The representative was unable to explain why the payment was confirmed and then reversed 6 days later.
Consumer complaint received 2021-06-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (FL)

In XX/XX/2017, I purchased a vehicle from FLAGSHIP CREDIT ACCEPTANCE, I was being XXXX a month later so I returned the Vehicle to dealership two weeks after purchasing. My deposit of {$3000.00} was never reimbursed and the car was sold to another consumer for {$19000.00}. They reported the account as charged off for the amount of {$4800.00}, but they are still the account holder for the past four years. All my communications and disputes has bore no result. This has been hurting my credit for the past three years and they refuse from removing it.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NM)

I have refinanced my student loans, thought Department of Education- Nelnet shows my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from XXXX XXXX XXXX XXXX XXXX ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.
Consumer complaint received 2021-06-30
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. (CA)

There is one account on my credit report that does not belong to em I have tried reaching out to the bureaus as well as the funrisher and nothing is being done for this account. This is identity theft and I want this account off my credit report asap!!! 

XXXX XXXX XXXX - Account # XXXX XXXX {$15000.00} OPened XX/XX/2017 XX/XX/XXXX
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McNeil & Meyers Asset Management Group, LLC (CA)

I sent a debt validation letter to the collection agency XXXX XXXX XXXX regarding three collections accounts from them that are on my XXXX credit report and received no response. I requested debt validation because I have no knowledge of these accounts nor have I ever been contacted by this agency regarding them. Two of the collections are actually for the same amount of {$2500.00}, which seem to be a duplicate of one that is being reported twice. The third collections from them is for {$1500.00}. It shows opened accounts XX/XX/XXXX. I have no knowledge of the opening of these accounts and have no idea for what these bills are even for. A debt validation letter was sent to them around XXXX XXXX and I have not received any response from this company. They have failed to provide me the information I requested to validate the alleged debts they are reporting. This company is unethical and possibly fraud for ignoring my letter which requested them to provide the validation of these alleged debts. I have also filed a complaint with the XXXX. These collections need to be removed immediately from my XXXX credit report!
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (GA)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-09-03
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: Experian Information Solutions Inc. (TX)

I am writing to formally address Experian 's failure to remove specific items from my credit report, despite my prior dispute letter dated XX/XX/2024. This letter was both dated and time-stamped, and I provided clear evidence supporting the removal of these items. To date, these items remain on my report, which constitutes a direct violation of my rights under the FCRA. Moreover, under 15 U.S. Code 1681b, which outlines the Permissible Purposes of Consumer Reports, I want to emphasize that I have never provided written consent for your agency to report any information on my consumer report. The absence of consent constitutes Identity Theft. Therefore, these accounts must be deleted immediately. 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 2021-06-29
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. (PA)

Hi, my name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. This issue is giving me an extremely hard time trying to get a house. The items are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible please and thank you! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-30
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: Nelnet, Inc. (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (CA)

To Whom It May Concern, As a vigilant and concerned consumer, I demand immediate and detailed information regarding the exact steps your agency has taken to ensure the absolute accuracy of the items in question, as mandated by 15 U.S.C. 1681i ( 7 ). Per paragraph 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), you are required to provide a thorough description of the procedure used to verify the accuracy of the information on my credit report, including the name, address, and contact number of any information furnisher involved. Compliance with this demand is expected within XXXX  days of my initial inquiry. I previously informed your company that I am a victim of a data breach and identity theft, and I provided an FTC Report to support my claim. I demanded that all fraudulent information be blocked and removed from my credit report immediately, yet the following items remain unresolved. This negligence is unacceptable, and I expect you to address this with the seriousness it warrants. Under 15 U.S.C. 1681c-2 ( a ), you are legally obligated to block and remove any information that I, as the consumer, identify as resulting from identity theft within XXXX business days of receiving my complaint. The following item must be addressed without further delay : XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission XXXX XXXX XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (SC)

In XX/XX/XXXX, I accepted a transfer offer from Juniper  ( Barclays ) to pay off my XXXX XXXX card and asked for {$1200.00} to be sent to XXXX  / XXXX to pay against my balance. 

On XX/XX/XXXX I contacted Juniper as the transfer to XXXX had not been made. A web response from Juniper claimed the transfer of {$1200.00} was " completed. '' and that it could take 7-10 days to show up. 

I called Juniper numerous times, only to be put on hold for 20-30 minutes, and the phone cut off. 

In XX/XX/XXXX, the transfer still not made, I spoke to a representative who said the account number for the XXXX card was incorrect, so payment could not be made! Why did no one notify me? If the money was sent back due to a wrong account, why didn't Barclays correct this. They did NOTHING. I was told a " special team '' would investigate and get back with me, and Case ID XXXX was assigned. 

When no response was received, I called on XX/XX/XXXX, and with insistence, I was finally put through to a " specialist '' who then put me on hold for over 20 minutes, and the phone cut off. Note - each time I called, and was hung up on, no one ever called me back. 

I web messaged Juniper on XX/XX/XXXX, gave the above facts, and received a web reply saying the investigation could take up to 25 days. 

In a letter dated XX/XX/XXXX ( over one month since the transfer had be completed as Barclays told me ), Barclays now tells me the investigation can be up to 60 days, and maybe resolved in my " favor '' or not in my " favor. '' What does this mean? Where did the money go? 

I implored Juniper to pay off XXXX while they were investigating, but that request was ignored. So, as I explained to each representative I spoke with, I am paying now for TWO credit cards, incurring a fee from Barclay 's that never occurred, and paying interest on the XXXX card that should have been paid off by Barclays. 

I deserve to know why, when the transfer did not go through, did Juniper not take action to correct that and pay off XXXX? Where did the money go, and why wouldn't Juniper  account for that. 

I want Juniper  to refund my transfer fee and the interest I have incurred from paying XXXX balance fees during this time, and mainly I want them to immediately transfer the money to XXXX to have it paid off. 

I am a lawyer, and I want answers, something is wrong at Juniper, and I am entitled to know what they know. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

We paid {$2000.00} on our Capital One credit card on XX/XX/XXXX. The money cleared our bank and shows as credited to our account by Capital One. They are refusing to release those funds to our available credit until XX/XX/XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the reporting of the XXXX XXXX XXXX  account # XXXX on my credit report. The account was marked as a collection account in XX/XX/year>. However, it has been repeatedly updated as a collection account every month since then, misleading and inaccurately reflecting the account 's history. 

It is my understanding that a collection account should not have an active payment history after it has been entered as a collection account. By improperly updating the payment history, the statute of limitations is being manipulated, which is misleading and harmful to my credit report. 

Additionally, I believe that the neglect to investigate this account properly has resulted in the continued reporting of incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I would like to bring to your attention that a co-applicant has already disputed this account, Experian Report XXXX : XXXX and as a result, it was deleted from their credit report. Therefore, I am demanding that the XXXX  XXXX XXXX account # XXXX be deleted from my credit report immediately.