davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023, i received an alert on my Experian consumer report of a balance increase of {$69.00} totaling my amount owed as {$1300.00}. When I called XXXX and spoke with the credit department, they confirmed that my balance was lower than what was reflected on my consumer report. This inaccuracy caused my credit score to drop by XXXX points. I was also made aware that XXXX reports to the CRAs in the first week of every month. However, my payment isn't due until the XXXX of every month. I submitted a complaint to XXXX ( attached ) which completely negated this issue. Now on this day it is XX/XX/2023 and my balance is being reflected on my EXPERIAN, XXXX AND XXXX reports as {$1200.00}. My balance reflected in my XXXX  account is {$1200.00} with no balance owed and no late fees ( attached ). This is the SECOND time XXXX has communicated information to the 3 CRAs that is inaccurate. I am entitled to either have my information reported ACCURATELY under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ; ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors and ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

ALSO UNDER SECTION : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

They have a DUTY to correct this information because it is not accurate!
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are several accounts on my credit report listed as a charged off, which means that the company has written off that debt as a loss the debt has been reported to the IRS I should have received a XXXX form from the IRS for the balance that I owe since the companies wrote it off as a loss so I'm disputing these charge-off accounts For the this reason alone. I never received a XXXX cancelation of debt form and because of that, this account or these accounts should be deleted. This is a violation of 15 USC 1681EB.
Consumer complaint received 2023-08-03
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-13
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)

I was trying to purchase a new home, so I decided to check my credit report, I then realized that I had damages on my credit report and accounts that were not recognizable to me/ accounts opened I have no knowledge of. I reached out to each bureau to notify them that there was information listed that was fraudulent and were from an alleged identity theft.

According to the 15 U.S.C 1681c-2 law a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has let multiple charges go through my account and charged me overdraft fees after multiple conversations to decline any charge made without the proper funds. I deposited a check on XX/XX/XXXX in the amount of {$3000.00} ( from a bank that they had previously received a XXXX check from and cleared with no issues ) to Wells Fargo to avoid further charges or overdraft fees. I made the deposit via the mobile app and after a not so great conversation with the level 2 call center regarding the unnecessarily long hold, the gentlemen proceeded to then reject my deposit causing me to have to physically go to the bank to make the deposit. I received a receipt stating a partial hold would be released on XX/XX/XXXX and the remaining on XX/XX/XXXX and that no further overdraft fees would incur. That was not true. I woke up to a notification that an additional 7 day hold was applied to my check from XXXX XXXXXXXX XXXX, for no reason and to more overdraft fees charged. I have called Wells Fargo call center multiple times today and received nothing but hostility as well as the Branch Manager locally. I called the local branch at XXXXXXXX XXXX  on XX/XX/XXXX and never received a call back. I then called again at XXXX XXXXXXXX  to get an update. They are saying they are unable to verify the funds, however they waited until XXXX PST to even call to attempt to verify the funds from an XXXX XXXX XXXX  XXXX They have told me there is nothing they can do and that I have to wait till XX/XX/XXXX. 

The way I have been treated by Wells Fargo in the years I have banked with them is disgusting. This last and final event that just occurred was the final straw. The complete disrespect and disregard for people is astonishing.
Consumer complaint received 2024-03-17
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: AMERICAN EXPRESS COMPANY (TX)

I cancelled a purchase at XXXX XXXX, which was paid with my American Express Card using XXXX. Since XXXX XXXX was not refunding for weeks. I filed a dispute with the cancellation with American Express and XXXX. I got two refunds, and American Express reversed one of them early XXXX. to be squared, and just refunded once for something that got cancelled. 
During XXXX XXXX charged again what was already solved by American Express. So now I am charged for something I cancelled before picking it up. 
XXXX has all the information and evidence for the reversal of the second refund by american express, Nevertheless XXXX  wants to collect the amount again even while American Express already reversed the second refund. 

XXXX and american express are arrogant and dont want to talk to each other to solve the matter without affecting the customer. This has been taking a lot of my time and resources, I ask for compensation from paypal due to their negligence and sanctions to both, after taking the negative balance on my paypal account with the negligent reversal they are making. Now in reality I am being charged again for something I never received.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXXXXXX - account # XXXX I believe is committing fraud. I have a credit report that I paid for and it shows alot of errors with this company. And then after I filled a complaint, all of a sudden, they changed the amount to get it to go along with the other 2 credit bureaus. I have proof of this and how they keep selling the debt to itself.
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

In XXXX I discovered that I was still being charged monthly for an installment loan for an XXXX that I had traded it. The initial issue what that XXXX lost the package so the phone was never received. As such the loan installments were paused while waiting for the phone to be received and restarted in XXXX of XXXX. I did not discover this until XXXX of XXXX. I provided confirmation that I had mailed the phone and a refund was issued by XXXX to Citizens Bank in the amount of XXXX and citizens bank was to refund that money to me. 

I called on XX/XX/XXXX to citizens bank and they stated they had not received the refund from apple yet. I called again on XX/XX/XXXX and Citizens conference in a representative from XXXX  who confirm that the refund was indeed sent to citizens and provided them with a reference number to give to their accounts receivables team to locate it. Citizens rep told me she would open a request to get me the refund that was owed to me. I've called every week since then and there is no update on the request. There is no sense of urgency to return the money that is owed to me. It appears that Citizens may have lost the refund. XXXX provided them evidence that the refund was sent to citizens yet im still out of my money. Every time I call I'm told the person that can help me isn't in the office yet I don't know the name of this person.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MS)

I recently opened an account in XXXX of XXXX with Navy Federal Credit Union. When I called in XXXX, they notified me that the last four digits of my social security number were incorrect in their system. As requested, I submitted all documentation that they asked for to correct my social security number. Then I was told that my social security number comes up with a previously married name, so with that I submitted my driver 's license, utility statement, and marriage certificate as requested. The account that was opened up would have been in XXXX, I did not recall opening it but stated that there is a possibility that one was opened and never used. I also added my current husband as a joint owner. When I deposited a check in XXXX, my husband was allowed to go to a branch and withdraw the funds with his ID card. On XX/XX/XXXX, I received a school refund through my cash app account. I did an instant transfer from cashapp into the Navy Federal Account using his debit card. When we attempted to use the debit card to pay expenses, we were told the account is completely frozen now due to " my issue, '' and that security found I was trying to " open multiple accounts with different social security numbers & now it is flagged for identity theft. I would never do that and submitted multiple documents to the bank to prove my identity when asked. I was then told that he would need to go to a branch to withdraw the funds. Today at the branch he was told by the teller along with security that the account is frozen, we have absolutely no access to the {$3100.00} in the account, and that they will not close the account & mail our funds. They are sitting in the account, and we have zero access.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 block this information from my credit report. Thank you. XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023, I disputed incorrect information for serval different items reporting on my credit report. I have yet to received word back from the credit bureaus explaining that they are investigating my dispute. Pursuant to 15 USC 1681i subchapter III they are violating my rights. I have try to resolve the issue multiple times before my first complaint with the CFPB on XX/XX/2023. I'm contacting you again to see can help me resolve this matter. I wish to have these accounts REMOVED from credit report entirely.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WY)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I saw this debt collection on my credit report and I contacted the debt collection to get a debt a notice of validation. They said they was going to mail me the papers but they didnt. I never received any mails from them its been XXXX months still no mails. I do not claim this debt. I did not sign any contract with this debt collection agency. I DO NOT HAVE A DEBT WITH credence resource management. This a violation to my consumer right law 1006.34 Notice for validation of debts.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2023 at the Bank of America branch located at XXXX XXXX XXXX, XXXX, NC XXXX, I made a CASH deposit of {$9500.00}. The amount credited to my account was {$5900.00}. The teller whom I made the transaction with acted very strangely during the transaction. The receipt I received was very pale and I couldn't make it out. I verified verbally with the teller the deposit amount. 
At the time I was traveling and moving to another state ( solo ) and was out of my normal element, routine. I have health issues that effect my near sight. Add to that, it is very difficult to find certain transactions with the online banking app ( inability to view transactions by type so I can easily verify deposits, its like searching for a needle in a hay stack ). I didnt realize what had happened until the next month. 
The bank is unwilling to look into this beyond an accounting error. Their accounts add up because this was not an accounting error. I was tricked and cheated by the teller. Their security footage will show this. They refuse to investigate or do anything beyond the accounting check. I want the bank to correct this situation and return my money.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-14
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. (IL)

Dear Experian, I reached out to XXXX XXXX XXXX ( XXXX  ) on XX/XX/23 via the CFPB - Case # XXXX. I explained to them the following : " XXXX XXXX XXXX has placed me in collection for a " XXXX '' Account. I have not received any communication from them in writing or via phone. I have no knowledge of such account and belive this is an error. I only have XXXX XXXX XXXX '' XXXX have responded stating that they have placed this account on hold and it will no longer be reporting in my understanding. Please remove this account from my credit report as it does not belong to me and is impacting my financial well being greatly. 

XXXX was unable to furnish debt validation upon request or an original invoice. They also did not notify me of the collection account/debt via any type of communication. 

Please remove this account and send me an updated credit report. XXXX has already removed this account from my credit report.
Consumer complaint received 2018-03-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (NE)

I turned in my leased vehicle early inXX/XX/XXXX. I returned it to the dealership where I leased it from -- XXXX XXXX  in XXXX, CA. The lease was turned in approximately 20 months early. I paid off the remaining payments owed on the lease to GM Financial -- the leasing company. At a rate of $ XXXX/month, the approximate lease payoff to turn the vehicle in early was {$2100.00}. I paid {$2200.00} to GM Financial as a payroll -- slightly overpaying to cover any small interest amounts that accrued.

Since then, I've attempted to get the lease fully settled and a refund of approximately {$30.00} issued to me. In XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX to request the small refund. XXXX advised me that a final bill wasn't generated yet however he would request one. He did however generate a letter for me saying I owed {$0.00} on the lease. I never heard anything from GM Financial since. Today, onXX/XX/XXXX, I called GM Financial again asking for a refund. They advised me there wasn't a refund due. I asked for a final bill showing how the {$2200.00} was applied, and they advised me that one wasn't generated yet. The representative on the phone advised they would request a new one however couldn't at all tell me how long that would take.

Lastly, I received a new car registration in the mail dated XX/XX/XXXX issued by the State of California. The document shows me still as the registered owner despite turning in this vehicle back in XX/XX/XXXX. It's clear to me that they still haven't updated DMV records to reflect them taking the car back
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

OnXX/XX/2023, I had the same issue. The company claimed to correct the problem. Today, XX/XX/23, Im still having the same issue. Money sent @ XXXX. Western Union still hasnt delivered. A check shows thats its on hold. Their advertisements claims thats its delivered within minutes Their prop consolation codes dont even work. Call but all operators are busy!! Finally a female  claiming to be XXXX came on the line. She asked me some personal detailed questions. I felt invaded before releasing the money. She claims if I wanted to change the amount she would cancel the entire transaction
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : TXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  Please remove these accounts ASAP.