davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal.

They also violated my rights under 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructi.

Also the Credit bureaus took mor than 30 days to complete my investigation, here is my certified mail tracking # XXXX
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (TX)

This is my third XXXX to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

1. on XX/XX/XXXX I requested a bank transfer of {$320.00} from my Venmo account to be deposited in my XXXX XXXX account. I made the request via the Venmo app installed in my phone. Reading the online documentation I discovered that the transfer could take up to two weeks to complete. I reached out to Venmo to cancel the transfer but was informed that after the transfer is initiated there is no way to stop or alter the process. Instead I must allow ten to fourteen business for the transfer to complete. Then, at that point, if the money wasn't available I should contact them. 
2. Around XX/XX/XXXX when I hadn't received the money I contacted Venmo and inquired with XXXX XXXX. Neither could explain why the money had not been deposited. I filed a dispute with Venmo for resolution and asked the full amount be refunded. 
3. I made almost daily inquiries to XXXX XXXX and Venmo for an explanation and restitution. I was provided a Bank Trace Number to be given to XXXX XXXX. However, when I spoke to the representative of XXXX XXXX  she insisted there had no interest in the XXXX  XXXX, asserted that the XXXX XXXX  employees had no knowledge of the XXXX XXXX accounts and no access either. I was told I would need to obtain a reversal from the source bank reclaiming the money. However, when I contacted Venmo the Support person I spoke with said flatly that since they had already denied my dispute the matter was settled. She maintained that there was no appeal process and no established procedure for obtaining any funds. The matter was settled. 
4. Because I can not afford to be out over XXXX XXXX dollars I refused to accept their decision. I continued my efforts to determine where the money had been deposited and why I couldn't access the funds. I have been told that it violated banking guidelines to discuss the matter with me, that both companies retain no records of the transaction and can not provide the missing digits of the account number, that the account information has been deleted from my account leaving me with no way to identify the " personal checking '' or the account associated with a different card assigned to me. 

I have retained email correspondence, screenshots and put together a rough timeline of the event which I would be happy to provide. I resolved to be patient but persistent with both companies but I can not hide my frustration. Time and again reps made statements that seemed highly dubious but my ignorance of bank policies and financial procedures kept me from disputing what I was told.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The late payments showing on these accounts are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Greetings, Im in a dispute with Truist Mortgage because they categorized my forbearance as a deferral without my knowledge, and without my signatory agreement.

By doing this, Truist has negated my reward of mortgage relief from the California Mortgage Relief Program. The funding amount of my mortgage relief was {$26000.00}, and by acting in bad faith, Truist has labored me with the full burden of that delinquency.

The California Mortgage Relief Program was designed to help homeowners such as myself who were affected by the pandemic, and I feel that Truist is acting unfairly in denying me the funds which the XXXX deemed rightfully awarded. 
Dealing with Truist has been a challenge. They provide no direct access to their staff, and each attempt to request clarification or to demand remediation has been met only with long hold times followed by discussions with clerks who, having no previous knowledge of the complicated and likely erroneous path which led to this situation, invariably have put me on hold while they seek guidance from their supervisors, only then to promise to look into my case and to get back to me. My attempts to communicate with Truist via email were responded to thusly : Please note, for security reasons, we are unable to communicate via email. 
Im contacting your organization in the hope that I will find assistance in requesting from Truist some form of remediation by which the XXXX will be informed that the information previously received by them from the lender was in fact in error, and that Truist now has the ability and volition to receive from XXXX the {$26000.00} which they, Truist, previously declined. 
Please find attached several pertinent documents. I also have available other records of correspondence with and notices from Truist, which may or may not be of value in arguing my case. Please feel free to request any verification of dates or actions. 
Thank you for your assistance in this matter, Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
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. (FL)

I purchased a vehicle from XXXX XXXX XXXX in XX/XX/2022. They used XXXX bank for financing. I returned the car the following day and my deposit was refunded via check on XX/XX/. That car loan of XXXX is still showing on my credit reports as open loan thats financed by XXXX bank which is effecting my income to debt ratio. 

I have disputed this with all 3 credit bureaus. I have reached XXXX XXXX and the dealership for past 7 months but this debt is not being removed from my credit file. Its showing as an open loan. Why is Experian XXXX removing this from my file? I have messaged them multiple times with documentation.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I sent a letter requesting that this item is removed from my credit file. The item in question is Capital one Auto Finance, for an automobile. I sent a letter to the finance company, and I also sent a request to the the credit reporting agency XXXX. This item is listed as a charge off, for {$13000.00}. It is also, reporting separately as discharged through a bankruptcy. The internal Revenue Service, defines a charged of debt over {$600.00} as cancelled debt. You have to pay taxes on cancelled debt, because it turns into income. This financial institution never sent me a cancellation of debt form to file. It was never mailed to me, or discussed over the telephone regarding this account. A cancellation of debt turns into income, when reported on a tax return. Income is not reported in a consumer report. A charged off account over {$600.00} reporting to my consumer report is Tax Fraud. I never received a cancellation of debt form to file. According to US Code 1681 ( e ) subsection ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assume maximum possible accuracy of the information, concerning the individual about whom the report relates to.
Consumer complaint received 2023-08-10
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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. 

XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There was an unauthorized charge for {$1700.00} on XX/XX/year> from XXXX on my Bank of America Cash Rewards credit card. I filed a claim initially when spotting the transaction, froze my credit bureaus, and contacted Bank of America. Momentarily they froze the transaction and credited me the difference. Several days later they reinstated the transaction without providing any reasoning. Over the past several months I have called and called, often waiting XXXX hour + to get a representative from Bank of America on the phone. Without much luck, they reopened claims that never made a difference. This is an unauthorized charge that I never made and it was with a merchant that I have never done business with. Despite providing those reasonings, Bank of America denied providing any assistance. They have stated tough luck and go figure it out with the merchant. It doesn't make sense for me to pay for something I didn't authorize nor ever received. On top of that, they have continuously passed me around to several different individuals, departments, etc ... without ever following up or providing justifiable reasoning. My patience grew thinner and thinner, the last straw was when I was on a phone call with a representative named " XXXX '' from the XXXX department, when she told me that it's my problem to fix and basically insinuated that it's tough luck since she as a " supervisor '' can't do anything on behalf of Bank of America. She told me to figure it out and go call the merchant myself... This is a huge middle finger in the face. I have been with Bank of America for XXXX years as a platinum rewards member ( highest tier member ), because of this incident and how they have treated me, I will be withdrawing every single cent I have banked through them and will be shifting to another bank. They have lost a customer because of their poor service and lack of ability to provide solutions for their customers. 

Not sure where to go from here but to file a complaint.
Consumer complaint received 2023-08-10
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (NJ)

My story has not changed take a look at ALL my complaints starting with the first complaint to SN Servicing Company on XXXX, XXXX, XXXX SN Servicing Company should send an electronic copy of the requested pay-off letter through the CFPB web site that lists all fees and all mortgages along with the current mortgage information and balance required by law. The impact of COVID will result in all very large number of requests for information prior to refinancing and FORECLOSURE and it is very important that request for a simple pay-off statement are not handled like this on and take months to obtain. I requested my information on XX/XX/XXXX and still have not received the information. People with FORECLOSURE proceedings would be faced with paying an inflated lump sum pay-off or lose their homes. This must come to an end the public should never ever be subjected to this type of treatment. This is not mental problems please look at the attachments along with the long list of complaints that I have filed trying to confirm if the mortgage was processed or voided or paid off. XXXX title has not replied to my complaint to identify the property with the legal description of the location of the insured property. All I have requested is a copy of the insured location and have been bombarded with a 40 page response and NO TITLE POLICY FOR THE INSURED LOCATION. I financed my original purchase with a XXXX XXXX XXXX XXXX MORTGAGE  and NOT WITH A DEED OF TRUST or anything else. I don't want to be writing back and explaining that I told you so. I would like much attention drawn to this type of matter now before many families are consumed and subjected to foreclosure or paying an inflated pay-off without ant break down. THE LAW IS THAT ALL MORTGAGES AND FEES ALONG WITH THE CURRENT MORTGAGE BALANCE MUST BE ON THE PAY-OFF STATEMENT. The COVID problem will result in a feeding frenzy and major problems for honest hard working people who have been subjected to illegal communications tampering with email interception and impersonation along with phone tampering with caller ID spoofing call interception and voice impersonation. How can you communicate with your employer and how would communicate with an attorney. The answer is to do everything in person like I have all you will lose everything and get thrown on the street and labeled a mental patient. SN Servicing company should simply submit an electronic copy of the pay-off statement as required by law through the CFPB website. Is that too much to ask for? We all need to learn how to look out for one another and the first step is making sure that the next person is not subjected to the wrath of problems getting something they are entitled to receive by law. Please take a look at the history of my cases and see for yourself.
Consumer complaint received 2023-01-24
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)

CFPB + TransUnion XXXX XXXX  XXXX, Sometime on XX/XX/2023 or XX/XX/2023 TransUnion removed me as an authorized user, on a XXXX Credit card, I was an authorized user on. 

I called into TransUnion several times on XX/XX/2023 - In dispute resolution I spoke with XXXX XXXX XXXXXXXX XXXX - In dispute resolution I spoke with XXXXXXXX XXXX XXXX XXXX - In dispute resolution I spoke with XXXXXXXX XXXX XXXX XXXX No one could help me at dispute resolution at all. 

- In special handling I spoke with XXXXXXXX XXXX XXXX XXXX who could not help me. 

- In special handling at XXXXXXXX XXXX I spoke with XXXX- with file # XXXX - who told me to call XXXX credit cards to have them do a " reinsertion '' for me as an authorized user back onto the credit card specifically for the credit reports. 

- The person who's card I am an authorized user on, XXXX XXXX, called XXXX, spoke with XXXXXXXX XXXX XXXX XXXX, and she reinserted me as an authorized user. 

I am asking for this to be handled immediately as TransUnion mistakenly removed me as an authorized user - they claimed I disputed being an authorized user on the account ( posted on CFPB # XXXX ) - which I did NOT dispute being an authorized user on the account - TransUnion simply did not report all payments on the account correctly and I asked them to do so. 

Attached to this complaint are : - My drivers License - My social security card - My mailing address - My credit report section on XX/XX/2023 that showed the XXXX card I was an authorized user on with account number