davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
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. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XX/XX/XXXX I opened an account with Bank Of America and I tried to take my money that I put in my checkings account out at the ATM and nothing came out so I filed a complaint and got my decision and the said they couldnt find an funds and that I took my money out but it isnt true or else I wouldnt have filed a complaint and now Im out of XXXX dollars this is unacceptable and I wanted to know can you help? Im thinking about a lawsuit because this is ridiculous.
Consumer complaint received 2021-05-31
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. (FL)

I am XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about deleting my information, then putting it back on my credit file. They are in violation of 15 US Code 1681 ( i ) ( b ) ( ii ). I did not receive any notice in writing within the 5 business days after the date of the reinsertion. It was deleted then reinserted back the same day. Then I wrote a letter expressing how it was wrong to reinsert information on your credit file without notice. I never got a responds. Section 611 ( a ), it is expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 76 days so they need to deleted this promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Consumer complaint received 2021-05-31
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. (GA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind 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 second 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. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2018-05-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Williston Financial Group (TX)

In XX/XX/XXXX we sold our home in California, we had received help beforehand from HUD in the form of a subordinate deed of trust, understanding that when sold the sub becomes primary and is paid out first before any monies are paid. 
The title company WFG Financial gave us written assurance that 1 ) they were now responsible for paying said Sub and 2 ) that the amount withheld was sufficient for the Sub and Prim deeds.

I refused to sign any paperwork until I was assured this was delt with and we were free and clear. We closed XX/XX/XXXX, XX/XX/XXXX I get notified that the US Treasury is going to garnish my wages due to the HUD subordinate deed of trust not being paid, I have spent a year now dealing with WFG Financial, The Escrow company, XXXX and XXXX XXXX  about this issue and have been threatened with lawsuits, ignored and denied service, this lein is still upon the property in XXXX California to this day, the sale was not recorded with HUD by title and has sold twice with a dirty title.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Dear Team, Here below in brief my complaint against TransUnion : 1- Yesterday XX/XX/XXXX I applied for credit score and report for free as I read online through Government of XXXX website ( we can get free our credit & Score report ) 2- When I applied online through TransUnion website XXXX nothing says that I will be charged XXXX $ 3- I received email yesterday and my cc was charged XXXX $ and it says this is a membership and it will be charged every month. 
4- I called customer service line of Transunion todaXX/XX/XXXXat XXXX and they say nothing can be done to you and we have no complaint department, for me this is rude and unacceptable from big company not to have manager on duty or complaint department. Moreover, after the customer service feel my frustration, they told this is a membership and can help you to not charge you in the future. 
XXXX I felt I am cheated and not about XXXX $ but the principle behind it I appreciate your help to raise this complaint and I am asking to refund the XXXX $ Thank you Kind regards XXXX XXXX XXXX
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

XXXX XXXX XXXX, is collection agency. I owed a balance of {$1800.00} to XXXX XXXX. The balance was full paid XX/XX/XXXX. They reported this account again, XX/XX/XXXX. I have made multiple requests to for account to be deleted from my credit reports. This is having a negative effect on my credit rating.
Consumer complaint received 2018-05-27
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. (OK)

I disputed this account several times with XXXX XXXX and With XXXX,   Experian, XXXX I Have a complaint thru CFPB cause XXXX XXXX  will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue.

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.

I went off information in my credit report by XXXX, Experian, XXXX XXXX, Experian, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE XXXX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE.

THIS IS MY FINAL NOTICE TO XXXX AND THERE RESPONSE WILL BE USE IN COURT.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (AL)

After becoming 60 days behind on an auto loan I called XXXX XXXX XXXX to arrange payment of two payments in two days ( when I got paid ) the representative refused to accept the post dated payment and demanded I made payment that day or the the loan would be put into default and the the car repoed in which I couldn't for two days and I was hung up on. Car was repoed a few weeks later. Not only was I not sent any of required documents regarding the sale and the remaining balance personal items including a GPS several hundred dollars worth of my wife 's school books and other things where left in the vehicle and after several attempts to get these personal items they continued to refuse unless some form of payment was made.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (TN)

Someone keeps trying to get a Chase card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX  card. I applied inXX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MI)

I am a current charter spectrum subscriber, when I signed up for the current service I told the rep there was a previous bill of {$75.00} dollars. He called into his supervisor and was told that balance had been taken care of and there was no bill to pay, now almost 2 years later I see a derogatory remark on my credit report saying I owe {$99.00} to ERC for XXXX XXXX?
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

XX/XX/2017, I called and cancelled account that was no longer under contract. The amount was roughly $ 200 monthly but is now {$800.00} plus which is not accurate and needs to be removed from my credit asap. 

The debt needs to be taken off since there is no contract with XXXX and I am with a new wireless company.
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC (FL)

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the XXXX XXXX XXXX XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of XXXX XXXX XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-27
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: AMERICAN EXPRESS COMPANY (NY)

I called XXXX for a car to pick me up at a particular address. The driver showed up at a different address and refused to appear at the proper address and XXXX  charged me for the ride. I called American Express about the fraudulent charge and after going through many representatives ( including, but not limited to, XXXX ( last name refused to be given but purportedly in the XXXX XXXX office under ID # XXXX ) and XXXX ( purportedly her supervisor who only gave a 5-digit extension that is purportedly his ID number for employment and other purposes ) but they were unwilling to handle the fraudulent charge as it had not cleared their system. I have properly reported the charge under federal law - their refusal to take the dispute is, individually and as a company, perpetuating the fraud. I have also informed the individuals who refused to take a proper complaint that I will be traveling and do not have the time to continually chase American Express to handle a properly filed claim and it is up to them to implement their own procedures to handle a claim, which both XXXX and XXXX refused to do.
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

To whom this may concern ; I would like to see if you may be able to remove the Wells Fargo account from my credit report and the negative history.

I had filed for divorce against my ex-husband. We had been separated and the car went to him due to the divorce judgement. But out of spite he had filed for bankruptcy. I attempted to resolved the situation differently so that he may give me the car and I take over it. He had vandalized the car and sent me pictures. I was advised by lawyer to give it to him and the judge had note this behavior and sentence him to a different judgement still affecting my credit. 

I would like to start my new life and move forward from anything involving my ex-husband. I deeply appreciate the help. 

I had called Wells Fargo several times in XXXX and XX/XX/XXXX trying to resolve the situation. When I had called again and I was directed to the bankruptcy agency and was told they would not do anything until the lawyer of the bankruptcy was involved. But because the lawyer was through my ex-husband. I was still not able to get anything done. 

I had attempted again XX/XX/XXXX. I had called again XX/XX/XXXX and faxed over paperwork as requested and again XX/XX/XXXX to follow up. There were no new results.
Consumer complaint received 2018-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have just co-signed the financing of a vehicle from XXXXXXXX XXXX XXXX today ( XX/XX/2018 ) and have noticed that in addition to the bank and autocompany credit inquiries,  there is a third that I do not recognize : XXXX XXXX, XXXX XXXX : XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I did not approve this and do not approve this. I am worried as to where it came from.
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OR)

Loan with XXXX XXXXl for auto from 2014. Account was charged off unbeknown to myself until revealed in a credit report. Charge off occurred 10 mths before revealed that it was charged off. Payments were continued to be taken regularly through auto pay & through a rep. No representative from  XXXX ever relayed that the account was in a charge off status. After the 10 mths, I let XXXX know I see that my account was charged off. Payment arrangements were made to get account out of default status. After 1 month of paying according to XXXX 's terms ( payments were satisfied, according to what they arranged ; this was a weekly payment of the total of car payment ), XXXX sends a letter of repossession to be made within a week after letter received. I am completely unsure why a repossession was placed on the vehicle, as their payment arrangements set were to be made to take the car out of default. Afterwards, I was set to make my regular monthly payments, as agreed upon. I now have a week to come up with some amount they have set, before repossession. But, I have met their previous terms. Not sure why a repossession is now in place. Just does not seem as if this process is going fairly.
Consumer complaint received 2018-05-27
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 will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


XXXX will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (MD)

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX claiming that I owe XXXX {$25.00} and an additional fee of {$25.00}. When I attempted to submit a dispute on their website with several different browsers, a " submission error '' was received. 

I dispute this charge because I did not make any purchase from XXXX or one of its merchants on the date in question ( XX/XX/XXXX ), I have not used handwritten cheques since XX/XX/XXXX ( and have not ordered any for my current account ) and have never had one numbered XXXX or anywhere near XXXX ( my chequebook was numbered from XXXX up ), I closed my original checking account on XX/XX/XXXX because I accidentally sent my financial information to a stranger online ( perhaps that is what this stems from ) and none of the accounts I use for online purchases show ANY attempted debit from XXXX on the XXXXXX/XX/XXXX, so please, correct your information.

Thank you and may the XXXX be with you.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

XX/XX/XXXX, XXXX 2022 for the amount of {$120.00} was in my cashapp account and was sent to a XXXX XXXX not by me, I was in XXXX fl without any service on my phone, and someone from a different phone and location sent my {$120.00} to that person, I have tried to call cashapp customer service number and its not working and on the cash app support chat system all I get is they need a good email address to contact me, I have gave it several times and no one has contacted me, they will not give me the ip address that the transaction was made by, I have had the chief of police and my lawyer contact them but they still won't give the ip address and they will not refund my money, I'm 7 months pregnant and I have a XXXX XXXX XXXXr old daughter that is now in the hospital due to her XXXX being too low and I had my money took away and I couldn't get her any food nor can I pay my light bill, I really need my money refunded back to me asap.
Consumer complaint received 2018-05-27
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 contacted the bureau regarding a collection account that I do not believe I owe as it is from XXXX XXXX at a time when my husband and I were in XXXX. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.