davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

I transferred {$300.00} from my XXXX XXXX XXXXXXXX checking account directly to my Credit Karma savings account and Credit Karma held the money according to them from the XXXX to the fourth with funds being available on the fifth. It was a direct transfer and on the website when you login it shows the money is in my account but it doesnt allow me to transfer it or take it out or use it at all. I used the chat system that they have for support twice both times I requested to be transferred to supervisor both times I was told the supervisor were contacting. Neither time did anybody And I was also told that there was absolutely nothing that they could do about it and if I wanted to close my Credit Karma account and I would have to wait upwards of 10 days to two weeks in order to receive my funds back I said that was unacceptable. This is a bank transfer. I did not. Deposit check This is a fund transfer. I said I wanted it released. I wanted to speak to a supervisor that this was unacceptable to hold funds. They were already posted to my account and available and they were rude and I feel like theyre holding money earning interest off of other peoples money, whenever the money is already there, and not allowing people access to their money or allowing anybody to talk to anybody Chick thats not a customer service person that isnt rude and basically says theres nothing they can do about it thats not their policy they dont care well I never signed anything that said that I agreed with that or that that was OK and no worries it posted anywhere to my knowledge that Ive seen that it says they hold money for seven days and I feel like theyre being fraudulent by taking deposits, holding it in an account somewhere collecting interest off of other peoples money to make money while XXXX, American citizens arent able to get access to their homes when the funds are there, they dont let people get access to their funds. They hold them hostage its not right its completely wrong.
Consumer complaint received 2023-12-27
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hi, My complaint is that I sent letter and Identity Theft Report to XXXX, XXXX, Experian, XXXX XXXX, Uplift, and Affirm regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled.

*A copy of my Identity Theft Report and proof of my identity.

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

As of today, the issues has not been resolved.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/, I received on the mail a letter from BANK OF AMERICA on which was attached a credit card. I never applied for this credit card. The name of the card is the Unlimited Cash Rewards and the total credit line on this card is for the amount of {$8000.00}. I never gave consent for this.
Consumer complaint received 2017-03-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

On XX/XX/XXXX I paid the first payment of my new mortgage on line. I then set up for auto pay and they immediately deducted the second payment on XX/XX/XXXX. When I realized what had happened I called Roundpoint Mortgage Services Corp. on Monday XX/XX/XXXX and spoke to someone in customer service who said that the credit will be applied to my account in a day or two. Today, XX/XX/XXXX I called and was told that it had to be processed and a check would be sent out on XX/XX/XXXX. I explained that this would not be sufficient as I had already waited several days. I was put on hold twice for 20 minutes waiting for a manager that never appeared so I finally hung up. I called back again and got another story and the check is still not going out and I will still have to wait for it. I again was put on hold for a manager. After 15 minutes I was told a manager would call me back. customer service is in the Philippines.
Consumer complaint received 2023-04-26
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: Westlake Services, LLC (IN)

I keep seeing the same issue reported by Westlake Financial stating my payments were late 30/60 days and my vehicle was charged off. I have disputed this multiple times but nothing has changed. XXXX keeps listing this information. Plus, they show similar information on XXXX and XXXX. Yet, those two are not showing the same information regarding Westlake. I did submit a screen shot to all 3 bureaus as well as Westlake showing every payment being made on time as per the bankruptcy agreement.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally dispute some errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified some inaccuracies : -- -- -TransUnion 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX BEING CHARGED DOUBLE ON MY CREDIT WITH THIS ACCOUNT AND THE COLLECTION ACCOUNT XXXX. XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have contacted XXXX XXXX XXXX agency numerous of times around XX/XX/XXXX regarding the account that appears on my credit report. The company in dispute is Capital One Bank, dated XX/XX/XXXX in the amount of {$2500.00}. I also contacted Capital One Bank and ask them to validate the debt by providing me with documentation that proves this account belongs to me. They have not been able to provide me a solution and told me I would have to contact XXXX regarding the account. On XX/XX/XXXX I received notification that the account was deleted from consumer report. Upon checking my account some time later around XX/XX/XXXX the Capital One Bank account was back on my consumer report after already being disputed and removed removed. It is my understanding that before reinserting an account that has been removed I should have been notified, which I wasn't. I have sent letters to XXXX demanding the account be removed again but they have failed to do so. I have not been provided with any documentation as to why this account still remains. This is an urgent matter that must be taken care of immediately as it is affecting my credit negatively and my ability to flourish and provide for my XXXX kids in a sufficient manner.
Consumer complaint received 2023-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (TX)

SYNERPRISE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

i am not delinquent on anything at nationstar. nationstar added this document to my account and it feels like they are XXXX with me again now in a different fashion. i do n't know what to make of this document. i pay my full mortgage payment each month and i have no clue how i can be delinquent on anything in my account from nationstar. it seems like every time i think my account is settled and going good nationstar gets sneaky and extorts more and more money out of me. nationstar is full of scammers! what does this document mean????
Consumer complaint received 2023-12-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC (MA)

Further explained/supported by attached documents : We were initially told on enrollment that positive payments would be reported to the credit bureaus and that our delinquent accounts would eventually be marked off as paid. Prior to entering debt settlement we had a 99-100 percent payment history across shared accounts. If there was no credit rebuilding portion we would not have entered the agreement. Over a year into the program we checked our credit scores to gauge progress toward future goals ( ie mortgage ) and found there was no report of any of over a year of payments to XXXX anywhere. When contacted over the phone they gave differing explanations including that it was due to changes in federal regulations that required changes to the program, of which we had not at any point been made aware. They also claimed that the original agreement did not include any of the credit rebuilding aspects, and/or that these were part of a different kind of program which we had not been signed to. Again, no differentiation was made in our agent 's explanation of the agreements and program, as evidenced by attached email ; we were told of our next steps and expectations, as if they were concrete versus a possible option. We chose to complete the program ahead of schedule to give us better chances at improving our credit on the understanding that it needed to be completed to affect any positive outcomes. When the program was complete and debts were settled this also did not change that they were listed as previous delinquencies ( showing as paid versus delinquent ) as stated in the email attached. We were told over multiple communications that this was due to regulation changes but then told again that this is not how the program works, that XXXX itself can not report anything to or directly effect the reporting of credit bureaus, etc. Because of the reality of the program versus the promise of the credit rebuilding efforts we have lost opportunities to better our financial situation or buy even a mobile home let alone a home.
Consumer complaint received 2023-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XXXX I disputed this account XXXX XXXX XXXX. With Experian, XXXX, and XXXX I have never been provided any information on how this account was verified, but yet it's still being reported on my credit reports. All 3 credit bureaus are reporting inaccurate, unverified information. This account needs to be deleted.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX - Set up manual payment for total credit card balance of {$1400.00}. No indication in online account portal of any auto pay set up. This is a card not used since XXXX. 
- BoA processed auto pay for {$1400.00} on same date, resulting in overdraft on bank account and + {$1400.00} balance on credit card. 
- Called BoA on XX/XX/XXXX after seeing duplicate payment, stated they would issue refund to my bank account within 10 days. 

XX/XX/XXXX - Had not received refund ; called BoA. They claim to have issued refund on XX/XX/XXXX. Refund erroneously sent to an account at XXXX  XXXX XXXX XXXX not ever associated with me. 
- BoA claimed they would reverse this, issue refund to correct bank account that BoA has on file ( from where they debited my payments ), and have XXXX call me by XXXX  XXXX XXXX. 

XX/XX/XXXX - Did not receive refund or call from BoA manager as promised. Agent claimed they would issue a refund within 10 days still. Could not connect me with supervisor or manager -- claimed one would call me in 24-48 hours. 
- Asked for them to walk me through my autopay settings -- to see where it is set up and configured. Places to click apparently not showing up in my online portal. Agent said she spoke to a supervisor and they said that auto pay is not set up on my account. This is despite BoA processing an auto pay that led to the initial overpayment on XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (SC)

I am having difficulty with this company. On XXXX XXXX I found out where I was supposed to send the payments ( had to call them on the phone to get the mailing address ). I mailed them my first payment ( due on XXXX XX/XX/ ) on XXXX XX/XX/ after they REFUSED to accept payment VIA my credit card. They told me they would accept a debit card ( I do not have a debit card ). They are now claiming that they have not received the payment. I was told by one of their supervisors that it is illegal to pay credit with credit meaning that it is illegal to pay any debt with a credit card. I was NEVER told when I bought the car that my method of payment would be restricted and that they would NOT accept a credit card payment. If I would have had that information, I would NOT have bought this car. They are threatening to try and ruin my credit by reporting that I am more than 30 days late on my payment. I have excellent credit ( credit score is XXXX ) and I am not going to allow them to ruin my good credit. Based on not being told the restrictions on my paying for this car I feel that we never had a meeting of the minds, and I am requesting that this contract be voided, and I simply return the car and we go our separate ways. When I requested from Bridge crest which government agency that regulates their business the supervisor refused to provide me with that information. They told me to call XXXX which I did and XXXX told me to call Bridge crest. I have been on the phone for over 3 hours between these two companies and still no resolution is in sight. I am a XXXX XXXX and Retired XXXX XXXX. I am a XXXX XXXX, and I am not going to allow this company to try and ruin my credit.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent over all request to Transunion for them to update credit accounts on my file, each time I call I was told to send something else over and over again. On XX/XX/2023 I was told to send a copy of the list from the Court to show creditors for the to correct the accounts on file. I have attached to this complaint.
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (FL)

I recently looked at my credit report from EXPRIAN on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 2. XXXXXXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 3. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 4. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B 5. XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I checked again 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. 
XXXXXXXX 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 2023-11-02
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX