davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

Equifax rescinded on their offer for free credit monitoring based upon their data breach settlement. I recently was made aware of a collection on my credit score and Equifax failed to alert me.
Consumer complaint received 2023-01-25
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. (PA)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 2023-01-25
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. (FL)

I discovered that some of the accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (GA)

I have reach out to equifax and XXXX  amounts of times reminding them that per the fcra fair credit reporting act any items on my credit report such as the XXXX inquiries on equifax and the XXXX inquiries on XXXX must be removed if unverified or unauthorized
Consumer complaint received 2023-11-06
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. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (AL)

I am missing a commission payment from my employer of {$4000.00}. The money was reported to have been sent on XX/XX/XXXX via the Zelle money transfer app. I got no notification of the payment via email which I normally receive, so I had no idea I was missing the money. Once I realized I was missing the payment ( which was several months later ) I began trying to locate the funds. My employer reports that she sent the money and her bank, XXXX, shows it was successfully sent via Zelle. According to my employer, Zelle also shows the funds were delivered correctly, however I do not have them. I have been working with my bank, XXXX XXXX, for months now in an attempt to locate the money. It was never deposited into my checking account ( we even checked savings account and any other place it could have mistakenly gone to ). I have provided my employer with all of my bank statements to show the funds were not received, which she has supposedly reported to Zelle. 

My bank has advised me that funds do get lost occasionally when using Zelle and that a dispute needs to be filed. My employer claims that her bank, XXXX filed such a dispute on XX/XX/XXXX and Zelle reported nothing other than the money was sent successfully. So essentially, her records show it was sent via Zelle, my records show it was never received. My employer is no longer helping me with the issue, and my bank tells me because I am the recipient and not the sender, I can not research the loss any further. 

I have received all other payments via Zelle successfully so my employer maintains the money was sent to the right place as she does not retype the email address when she sends commission payments. I have no other recourse to find the missing payment. I have placed many calls to Zelle and they are unable to give me much information because I am not the sender. One supervisor did tell me, if we did not receive an email notification of payment, then the payment did not successfully transfer. My employer did provide me with a transaction number which my bank used to try and locate the payment, and XXXX XXXX could find no information with the number provided. As it pertains to XXXX XXXX, the payment does not exist. My employer later provided me with a tracking number which again proved futile, as I was told by Zelle that was only a number that could be used by XXXX. 

Can you please help me locate the missing payment of {$4000.00}? I have a screenshot of a record my employer sent to show payment was made, and I have all of my bank statements showing it was not received, which I can provide when needed. 

Thank you so much for your help in resolving this matter. It is greatly appreciated! 
XXXX XXXX
Consumer complaint received 2023-01-25
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. (FL)

I discovered that some of the accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-04-07
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it 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
Consumer complaint received 2023-01-25
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. (MA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

ON XX/XX/2022, Sent a letter to XXXX, XXXX, and Experian informing them the information they are report to my consumer report is inaccurate.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (FL)

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 accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

As of XX/XX/2022. Transunion has dropped my credit score from XXXX to XXXX. A bill was removed from the said credit report with Transunion. I should have gained points not lost points and they are repeatedly doing this. A bill is removed and they are dropping the score every other month by XXXX points instead of my score being at XXXX by now. I dispute it they removed the bill and dropped my credit score. XXXX has my balance at XXXX is XXXX plus XXXX. Balances need to be fixed. XXXX was removed from credit bureau Transunion and not from XXXX also. So it's on XXXX but removed from Transunion.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WA)

My husband and I submitted a fraudulent claim immediately after finding out his wallet had been stolen. We spoke with a NFCU representative in real time as someone was trying to use our debit card. We reported the card stolen, reviewed each fraudulent charge, and were even reassured by the representative we would get our funds back. After several phone calls and trying to follow up on our claim, we were told the claim was denied and given no information as to why they came to this decision. We attempted to escalate the issue, but were met with resistance and told there was not one person who would be able to take our call. Their " Zero Liability '' policy is grossly hypocritical to their business practices. Our money was innocently stolen from us and Navy Federal Credit Union has negligently handled business.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (KY)

Dear Consumer Finance Agency, I had filed a complaint with your establishment XX/XX/2022 regarding XXXX and I evidently did not respond accordingly. I will resubmit that complaint, however, this complaint is woth regards to new Rushmore Loan Management Servicer. I am in the midst of stopping the foreclosure on my home, but, have received two different amounts due Rushmore. One is from Rushmore itself and the other is from their XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Both correspondences are dated same. I am attaching documents supporting my complaint.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

I received 2 Netspend pre-paid Visa cards from my Mother in XX/XX/XXXX. My Mother suffered a very tragic accident on XXXX XX/XX/XXXX and subsequently passed away in XX/XX/XXXX. I could not even look at the cards much less deal with them after my Mother 's passing. 
I contacted Netspend today ( XXXX XX/XX/XXXX ) as I tried to activate my pre-paid cards via their website and I was directed to call them. During the very lengthy activation process I was informed that the balance of the card was much less than I expected it to be. I was told the card was being charged an inactivity fee of XXXX every month. 

How can the card be charged an inactivity fee if its not even activated?
Consumer complaint received 2023-12-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (MD)

We have requested to pay the debt of the home I am on the deed for. I'd like them to to release lien, and accept payment - Sent 3 times. First check {$21000.00}, SLS cashed XX/XX/2023. Second check for {$28000.00} they returned. Then we sent {$30000.00} cashiers check XX/XX/2023 but will not accept the signature for the certified delivery. SLS has put up a foreclosure notice. They have taken the {$21000.00}, won't accept the final XXXX payment, still informing us they will foreclosure our home, and collecting an estimated {$220.00} per day in " fees. '' We just want to pay off our home and for them to release the lien.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: BMO Bank, N.A. (AZ)

On Thursday XX/XX/XXXX at XXXX MST my XXXX XXXX was towed out of my driveway. I contacted the local police department to report a theft. The police department suggested I contact my bank because the vehicle was being repossessed. The bank I had the loan with was Bank Of The West. I called the number provided and the call was to BMO Harris bank. Up to this point I was not aware the Bank Of The West was bought by BMO. All payments have been made on time from XXXX to XX/XX/XXXX. After speaking to a costumer service representative. They could not locate any information on me. After seven hours of being on the phone I received a call back saying I owed payments from XXXX to XXXX and Tow fees plus late fees. I told them that was incorrect since this was not my fault because I was not informed by BMO that no payments were being made. Finally I received an email from BMO accepting responsibility for their mistake and all I had to pay was what was owed since XXXX. I was informed to go to a BMO bank and pay them a total of {$1900.00}. On XX/XX/XXXX I went to BMO bank to pay and they did not have an account on file for me to pay. They do not have me in BMO system. I paid the money to an account that they created and was able to collect my vehicle from repossessions. I returned back to BMO to find out where my lease agreement is and nobody is able to locate it as of now.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

Yesterday XX/XX/2024 at XXXX I deposited a check for {$2000.00} and received a receipt saying the Funds would not be available until XX/XX/XXXX ( XXXX business days, XXXX calendar days ). The ATM does not advise how long deposits will be held, nor does Chase conspicuously notice its policy on check holds. Once the check was deposited, the teller claimed neither he nor a bank XXXX could retrieve my check or void the transaction but gave me a number to call to see about getting the hold released. After a XXXX minute wait on hold a Chase representative answered the telephone and advised me the hold could not be removed until after the check was out of pending status in a few hours. I was told that if I called back after XXXX the check would be out of pending status and I could get the hold removed. I called back at XXXX pm and after about a XXXX minute hold I spoke to a Chase representative named XXXX who told me that the pending status would change before midnight and I could call this morning ( XX/XX/2024 ) and see about getting the hold released. 

My understanding is that XXXX XXXX  XXXX allows banks to hold checks a reasonable amount of time which is XXXX or 3 days but no longer than XXXX. It appears to me Chase is clearly violating the Federal Reserve XXXX as to holding checks, and providing notice. They also are deliberately misleading consumers as to who can release holds and when they can release them forcing consumers to spend valuable time on hold on the phone just to be lied to, mislead and patronized when attempting to cash a check. I also believe they are being disingenuous about being able to return a check from the ATM or void an ATM transaction, especially when the transaction was conducted at an ATM located in a Chase Branch lobby.
Consumer complaint received 2022-10-25
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. (TX)

I was shopping for a new loan with a better interest rate. While navigating on line, XXXX XXXX assured me there would be NO HARD inquiry on my credit files. Everything they advertised on line was completely misleading. Specifically, it stated it would so SOFT inquiries only. Somewhere in the process, I started receiving credit alerts that my files had been accessed and now I am stuck for another YEAR with a hard inquiry on my credit files. I want it removed! I called XXXX XXXX while in their system when I received the alerts about what happened. They stopped the on line application that I had no idea I was filling in. I am not too afraid to shop around. 
I have called this place at least 5 times to argue, but to no avail. They should have a class action suit brought against them for false and misleading statements on line.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Experian credit freeze/unfreeze is completely broken. I was able to freeze my credit and received a pin for lifting the freeze. However, during a recent mortgage refinancing application, I could not lift the freeze. I verified my information in multiple ways, but nothing worked. I could not contact a representative online. I could not reach a representative on the phone. I could not get a credit report for myself. Attempts to request an annual credit report failed. The only avenue for lifting the freeze or getting any kind of action is to copy sensitive personal records ( driver 's license, social security card, and utility bill or other proof of address ) and physically mail in a request. This takes multiple days at best, and there is no way to track progress or get updates on credit reporting status. The delays have already cost us $ XXXX because we missed a loan offer window, and further delays may incur additional costs. If Experian is allowed to profit by gathering and controlling my information, it must be far more responsive.