davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

Many times delays that are being reported on my credit report appear to be incorrect and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. Date Opened : XX/XX/2020 Balance : {$690.00}
Consumer complaint received 2021-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group (DE)

Reviewing my credit reports online and notice a collection account for {$180.00} which I was never aware of. On each report the same bill is listed with two different names on my report. Also a law was effected that no longer are collection agencies allowed to place a debt on your credit report.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

on XX/XX/XXXX i called wells Fargo reporting a purchase issue with XXXX for {$3800.00}. Where I paid an extra {$40.00} to XXXX for a secured delivery to me and the parcel to be only released to me but anybody else i did that because of the amount of the purchase and i wanted to be secured from my end. On the XXXX of XXXX, i was at home waiting for my parcel to arrive, XXXX never showed up and i received an email from XXXX saying that the parcel was delivered to the address i freaked out and checked the tracking, It said it was delivered NO SIGNATURE WAS OBTAINED AND SOME RANDOM DELIVERY NAME AS XXXX was mentioned, For secured delivery XXXX is required to check the ID of the person before they release it. I freaked out so much as it is my life 's very first investment i called wells Fargo and reached out to XXXX and XXXX XXXX XXXX said that the sender could file a claim with us as a receiver i could not do anything. I called XXXX they said they will look into it since then never replied, Wells Fargo initiate my dispute on the XXXX of XXXX with dispute details Dispute Number : XXXX Date Posted : XX/XX/2022 Merchant Name : XXXX, XXXX. 
Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated Wells Fargo called me on XX/XX/XXXX saying they are going to decline my dispute, I spoke to XXXX from the claims department, and She was insulting, I was trying to understand how can i put liable for something i did nothing wrong - ) I paid extra on top of the total price of the product. 
- ) i informed my bank less than XXXX hours after the incident. 
- ) i replied to every call wells Fargo had for me. 
even after all of this, she was so rude to me that SHE HUNG UP ON ME WHILE I WAS TALKING. and just yesterday they posted the charge back onto my account. 

I want to know where was i wrong? how am i liable? 
I am a fulltime XXXX student, it was my life 's first investment and i have now been left with nothing they putting me liable for something i never received. What about visa customer rights. XXXX did not deliver what they promised. 


Please help me Please.
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Us Bank sent me a letter stating customer negligence caused my check to be cashed to wrong account. 
I would like to attest that it was US bank Negligence. 

I use epay and at some point US bank removed the name XXXX XXXX from the top of my check at some point. I was unaware. So US bank is the majority of cause in all of this. They altered my epay check without notifying me. Had I been aware, I would have corrected it. Us bank altered my epay check. My checks had XXXX XXXX 's name followed by account number!!! 

I have spent 4 months trying to get my XXXX dollars back. 

I want their finding corrected and to start taking responsibility. I trusted you with my money for 20 years! My checks should have never been altered without alerting me.
Consumer complaint received 2021-01-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (FL)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

There is inaccurate information on my credit report being reported by Ability Recovery Services. I have contacted the company on various occasions about the account in question, and the company has failed to respond within the required 30-day time limit. I am requesting yet again that the account in question be deleted from my credit report immediately. I have sent multiple validation letters to this company, none of which the company has responded to with validation. I contacted the company on several times. I have no agreement with the company or any of its affiliates. In addition, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX dispute letters were sent to XXXX  and XXXX. As of XX/XX/XXXX, no documentation has been sent to validate this account. It has been more than 30 days without receiving an accurate response from the company. The company has failed to comply with the requests for validation letters I sent, and in failing to validate this account within the 30 days. The company is reporting reporting false and inaccurate information on my credit report. I am requesting removal from my credit report. This company is continuing to violate my rights and causing me undue hardships mentally, emotionally, and financially by continuing to do so.
Consumer complaint received 2021-01-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This Items been removed months ago & the debt collectors ( XXXX  ) re added the same 3 collections back to my TransUnion & XXXX credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY ACIMA CREDIT FKA # XXXX the dates were XXXX. My income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2023-09-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PLANET HOME LENDING, LLC (FL)

My husband and I are divorcing and, as such, have mediated separation of property to our mutual agreement, including a home we purchased with a VA loan that ultimately was given to Planet Home Lending , LLC to service. 
My husband initially applied for a loan assumption in XXXX XXXX XXXX and since then has received additional document requests from the lender. While this is expected, the documents included requests for a " letter of explanation '' for variations of his name, i.e. explaining " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( he is XXXX and has four given names that have been used in given combinations by financial organizations or lenders prior ), documentation he has already previously provided, and documents such as " verification of rental '' after clarifying to the requestor that he has owned homes and has not rented in the last 12 years. 
As we are both veterans, he is requesting to substitute my VA Loan eligibility with his own ; unfortunately, it has become clear during calls to customer service and through emails from the lender that they have dated or outright inaccurate information regarding the VA loan process. This has become clear when on three separate occasions from XXXX to XX/XX/2023, we were told : a., he does not have the required entitlement ( he does, and has no limitations or caps on his eligibility according to his XXXX  ), that we, not the lender, are responsible for submitting documents to the VA to substitute eligibility ( according to the VA lender 's guidebook, this is to be done by the lender ), that we would not need to provide a quitclaim deed ( this is one of five items requested by the VA to process Substitution of Eligibility requests ) and that he or I would need to provide our certificates of eligibility ( again, VA guidance indicates the lender should request this document directly ). 
I have submitted a complaint to the company and personally talked with customer service at least three times, as no direct contact information for an assigned loan processor has been provided to us and we are afforded no other option for updates, questions, or concerns. 
Ultimately, we expected the process to take at least six months in line with reported timelines for assumption, we expected a series of requests for necessary documents, but it is our concern that Planet Home Lending is intentionally making the assumption process more difficult or generating additional requirements unnecessary to make their application determination to pressure us into a refinance or other more lucrative option. We have not received any indication of an application determination or pre-approval to date despite being six months into the process. Further, their apparent misunderstanding or misinterpretation of VA guidelines not only complicates the process for us, but potentially for other veterans who may follow us in their own assumption process.
Consumer complaint received 2021-01-08
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. (FL)

Transunion Customer Service would not help take care of negative inquiries on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2021-01-09
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: COMMERCE BANK (OH)

On XX/XX/2020 I applied for a credit line increase on my XXXX Visa Signature card with Commerce Bank. Commerce Bank notified me that they were unable to pull my credit report because of a security freeze. I informed Commerce Bank that they in fact did pull my XXXX  credit file on XX/XX/2020. Upon investigation by Commerce Bank, I was informed that there was no credit pull made by Commerce Bank on my XXXX  credit file. Commerce Bank indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from XXXX. At this time, I notified Commerce Bank I was unwilling to do so and that the credit inquiry made by Commerce Bank on XX/XX/2020 should be removed, as Commerce Bank indicated that they were unable to process my credit line increase because they did not receive a credit report from XXXX  on XX/XX/2020. Commerce Bank did not process an application for a credit line increase on my XXXX Visa Signature card and therefore the inquiry made by Commerce Bank on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from Commerce Bank that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CO)

Disputed charge on XX/XX/XXXX in the amount of {$210.00} several times. Vendor misrepresented dimensions and overcharged for the item on XX/XX/XXXX. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. A large amount of evidence including a returned package tracking number form XXXX was provided on multiple occasions.
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Driveway Finance Corporation (TX)

I recently bought a car through Driveway on XX/XX/2023. However, on XX/XX/2023 received a letter from driveway finance stating they are offering new terms from the recent purchase and i only need to contact them within 10 days of the letter date XX/XX/2023 to accept the new offer. 
I called driveway finance to accept the offer but they will not update my account with the new terms. The payment is {$20.00} lower per month at the same term length of 72 month. I simply want this offer they extended to me. Could your organization help?
Consumer complaint received 2023-03-06
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: Verisk Analytics Inc (MO)

To the Attention of the Privacy Department XXXX Data To the Attention of the Privacy Department / Data Protection Officer / Legal Department of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ), I am writing to request that you delete my personal data including but not limited to : phone number XXXX and XXXX from all of your paper and/or computer records pursuant to Section 1798.105 of the California Consumer Privacy Act ( CCPA ). 

To the extent that you rely on consent to process my personal data, I withdraw that consent. To the extent that you rely on your 'legitimate interest ' to process my personal data, I object to the processing as there are no overriding legitimate grounds. 

If you are selling my personal data to third parties, please consider this email as my direction to you not to sell my personal data to third parties. 

DO NOT ask me to perform a self-service process such as locating my information on your website, filling out a form, or providing a mobile advertising ID. These requests place an undue burden on my side. 

Use the following information to identify me in your records : Verisk Analytics is providing inaccurate information to consumer reporting agencies via XXXX XXXX XXXX and possibly other companies. I have tried calling and opting out multiple times and still have NEVER received a confirmation email and the company is now ignoring my calls and requests. 

Delete my data from Verisk Analytics, XXXX XXXX XXXX XXXX, database immediately. 

If you are not able to comply with my request to delete all of my personal data, please advise as to the specific reason for which this request can not be acted on. Please advise which sections and subsections of the law you are relying upon, and identify the specific reason for which you are relying on those exceptions, such as which legal obligation, or internal purpose or use. Please delete all my personal data which does not fall under these exceptions. 

This email message was sent from my personal email account ( as you can see in the email headers ). Please use this fact to verify my identity. Please do not ask me to provide any further identifying information, as this places an undue burden on my side. If you are legally obligated to require additional identifying information in order to verify my identity, please let me know as soon as possible. 

As a data furnisher you a bound by the FCRA. The opt-out process is not working. I have called and emailed multiple times and received no response. 

My preferred method of contact is email. 

NOTE : I do not consent to any personal data which is part of this request to be used for any purpose other than fulfilling this request, except in the case of a suppression list, which you may keep in order to ensure that you do not collect any of my personal data in the future. 

Please note that you have between 30-45 days to comply with this request.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Dates : XX/XX/XXXX and XX/XX/XXXX Amount : {$1700.00}. 
Falsely reporting inaccurate information to Credit bureaus. 
Company reporting false information : JEFFERSON CAPITAL SYST.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (PA)

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 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 2023-05-26
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. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.