davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
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)

I started the dispute process on XX/XX/2020 sending a total of XXXX letters to TransUnion about every XXXX days. There is a closed collection item on my credit report from an apartment complex ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ) that is reporting inaccurate information. TransUnion has repeatedly stated the item has been verified as accurate from the furnisher. I have several notices from the company stating this. So around XXXX I reached out to the furnisher and asked them for all of the information pertaining to the account, per their request. What I received differs in more than one aspect on TransUnion credit report. They have been reporting multiple things incorrectly including the balance. I sent TransUnion proof of this information and they have done nothing. Well, they did update the balance XXXX days after they said it was verified as accurate. And once they updated it, it was still wrong. I feel my rights are being violated. They said they verified it as accurate then realized it wasn't correct and instead of removing the inaccurate data they updated it and it was still incorrect. Is this Fraud? I've kept track of everything and can send all of my letters, proof of receipts and all of their responses as well. I have copy of my credit reports for each month since XX/XX/2020 where I can show theyve made updates after stating they verified as accurate.
Consumer complaint received 2021-01-14
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)

Hi, I am writing this complaint because I recently looked at my credit report and seen accounts that I have no recollection of. I tried contacting the credit reporting agencies about these errors but nothing is being done and no proof is being shown about the validity of these accounts. I know there are credit reporting act procedures that should be taken when identifying inaccurate accounts of someone's credit report, specifically Section 611 in the FCRA where I have the right to request the method of verification. Also Section 607 in the FCRA that states all accounts should report as accurate as possible. The date last active and the date of last payment do not match. Please investigate and delete the accounts I have listed that do not represent verifiable accuracy. Thank You.
Consumer complaint received 2020-03-10
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. (OH)

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, THE XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Consumer complaint received 2020-03-10
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: EQUIFAX, INC. (OH)

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Consumer complaint received 2021-01-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carvana Group, LLC (TX)

those people claiming to work for CARVANA refuse to follow cited law, which you will see in the attached 'CARVANA_CFPV_GOV_complaint.pdf '. aside from that, it is written in the most popular used law dictionary, according to XXXX, which is the XXXX  's law dictionary, " DRIVER. One employed in conducting or operating a coach, carriage, wagon, or other vehicle, with horses, mules, or other animals, or a bicycle, tricycle, or motor car, though not a street railroad car. A person actually doing driving, whether employed by owner to drive or driving his own vevehicle. XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ''. '' again, drivers are persons, i.e. the employed, that XXXX drive for 'a living ' '', i.e. taxi driver persons, ridesharing driver persons, semi-truck driver persons, delivery driver persons. as for people? people have a god-given right to travel freely because people were already granted the right to travel by a XXXX XXXX that no man can match nor overthrow. therefore, it serves absolutely no purpose in participating in the drivers licensing program, service - or whatever you wish to call it - and is absolutely pointless in obtaining such identification or member card for any pupose.
Consumer complaint received 2020-03-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I had filed a dispute multiple times with experian for XXXX XXXX XXXX. I never had any auto loans or leased any vehicles with them. I have submitted documentation that my identity was stolen and a police report and have not been able to get this removed. XXXX  and XXXX  have removed it off my credit. I submitted two letters asking for documentation showing that it was me that opened the loan and after 30 days experian send a request saying they investigated and nothing have changed.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (IL)

So I started a dispute transaction for a package I never received onXX/XX/2021. I was told i would receive a provisional credit within 10 business days if my dispute wasnt complete yet. Upon calling today i was told I dont qualify for the credit and the dispute will end in XX/XX/2021. The delivery driver has been contacting me being very aggressive. My bank is the XXXX XXXX XXXX through Chime
Consumer complaint received 2021-01-14
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. (MO)

My compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. Experian reporting three late payments and comments on closed accounts which is Error, XXXX  reporting Bankruptcy and comments on closed accounts which is an Error and XXXX  reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies XXXX, XXXX  and Experian of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove from my credit report.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (OK)

First National Bank of Omaha Visa refused courtesy skip payment during initial months of COVID 19 in XX/XX/2020. My income as an XXXX was interrupted And Unemployment benefits were impacted by fraud until XX/XX/2020. Despite no gainful employ, payment was made from my savings through XX/XX/2020. Many attempts were made with detailed description to FNBO customer support of stopped income, however no assistance was offered, despite my asking. Help was offered from my other major credit card companies - XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. The courtesy to assist per 'skip pay ' came in varying degrees from all minor accounts as well. FNBO is the exception. XX/XX/2020, I submitted a detailed letter of my actions, and checks totaling {$800.00} to settle accounts. Detailed letter and check memo stated cashed checks submitted with company 's endorsement is acknowledgement that the debt has been settled in full and no further action from FNBO will be taken with regards to accounts involved. Checks were posted and paid from my bill pay account XX/XX/2020. Collection calls from FNBO have been constant since XX/XX/2020. I have spoken with customer service and management ( XXXX ) as recent as tonight. Even though record of payment is acknowledged there seems to be an unwillingness to show account closed/paid or to return funds so as to resume monthly payments. I am unable to do both and have made this known to them. I am disappointed this creditor offers no solution, yet instead is insisting more payment with added late fees. Thank you for assisting.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Saturday XX/XX/XXXX I found a Pomeranian puppy Ona website XXXX Puppies. I inquired about a puppy XXXX. I received a message that he was available. We came to an agreement and price that included shipping for XXXX. {$900.00}. They sent a financial agreement that my husband signed and I sent the money through XXXX. They shipped the puppy and then needed {$980.00} for a special cage due to COVID. I sent this amount through XXXX ( they reversed the fee ). I notified my bank the next day when the puppy was never delivered as promised. They would not stop payment or reverse it they stated I would have to call Monday to dispute the charge which I did. They denied the dispute. I want the charge reversed I never received the puppy as promised. My kids are heart broken.
Consumer complaint received 2021-01-14
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Motor Credit or Toyota Motor Credit Leasing is reporting derogatory information to XXXX, XXXX  and XXXX. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet Toyota, XXXX, XXXX  XXXX XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires Toyota to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, Toyota, XXXX, XXXX  and XXXX  have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to Toyota remain on my credit file, despite Toyota, XXXX, XXXX  and XXXX  being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, Toyota has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.
Consumer complaint received 2021-01-14
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 (WI)

XX/XX/XXXX I emailed Wells Fargo to ask that they work with XXXX to locate the payment from XXXX that XXXX claimed it never received. 
XX/XX/XXXX I called the Wells Fargo 's credit card division and asked that they research the chargeback item from XXXX. 
XX/XX/XXXX I emailed Wells Fargo asking for a status update on the XXXX credit card transaction that XXXX said they did not receive XXXX XXXX I sent an email to Wells Fargo asking for assistance on finding out where the XXXX debit to my credit card went. I requested they direct the payments from XXXX to XXXX XX/XX/XXXX call placed to Wells Fargo credit card research. Wells Fargo XXXX XXXX XXXX offered to escalate the issue for further research. 
XX/XX/XXXX - Received letter dated XX/XX/XXXX from Wells Fargo that outlines the transactions that occurred. The letter did not offer clarity as to where the XX/XX/20 payments went Messages left with Research and Remediations Analyst XXXX XXXX XXXX XXXX X XXXX ) on the following dates went unreturned XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (FL)

American Express added on features products that I did not activate or agreed to, such as pay overtime features ect. The XXXX XXXX XXXX XXXX made errors to billing statements as in my billing statements they made an error of over charging me a new balance charge of {$4400.00} from a XX/XX/ pay overtime in which my pay overtime balance should have been XXXX balance and by them not correcting the error it continue to accrued excessive APR -interest rate fees from XX/XX/ until the present, which is falsely wrong, therefore I have been paying interest fees and false late fees on a false balance for over 2 years. This is an over payment on a false billing statement balance. Due to American Express arbitration policy and due to their error Im due for statutory damage payment of {$5000.00} dollars. Im asking for them to settle, because Im really taking the loss in the amount they made in error and applying false late fees that triggered increase in APR rate fees.please review the XX/XX/XXXX threatening letter for payment.
Consumer complaint received 2021-01-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (TX)

I mailed dispute letters from my place of residency to all three credit bureaus did not receive any responses over the 45 day max period. I am using XXXX XXXX XXXX XXXX as a credit repair service. They informed me to file a report with your company. The original lettrs were mailed out on XX/XX/2020.
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Loan
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: Location Services Holdings, LLC (TX)

In XXXX of XXXX I refinanced my auto loan. Included in the finance is my TX license plates and my TX registration. In XXXX I made a complaint that I did not have my TX tags and registration. I was told to wait. 

In XXXX of XXXX I complained again and was told TX needed proof I paid taxes on the purchase of my vehicle. This vehicle was purchased new. I provided my sales receipt showing taxes paid. This was disturbing because TX only asks for this proof if paperwork is incorrect. 

I provided the information to the loan company on XX/XX/XXXX. 

On XX/XX/XXXX I contacted my loan officer via email. I received no response. 

On XX/XX/XXXX I called the XXXX number and was told my complaint was being emailed to all managers and I would receive a response in 24 to 48 hours. I received no response. 

On XX/XX/XXXX I called the XXXX number and was told my complaint was being emailed to all managers and I would receive a response in 24 to 48 hours. I received no response. 

I seem to have no way to communicate with anyone at Auto Approve!
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My account was closed on XX/XX/2020 due to suspected fraud. I still have not received back the funds that were left on the card of {$120.00}. Unemployment agency has also tried to deposit XXXX payments of {$480.00} on XX/XX/2020 totaling {$960.00} onto that card but the account is still closed and never resolved.
Consumer complaint received 2021-01-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Hi My Name is XXXX XXXX XXXX & my Wallet has went missing & now I'm getting strange mail @ XXXX XXXX XXXXXXXX XXXX XXXX  with the Name : XXXX XXXX XXXX. So I believe he stole my wallet. It had my D.L. & S.S. Card in it. The mail is about a Vehicle XXXX & XXXX XXXX phone. So it seems this guy is using my info somehow to finance his expenses. Please forward this info to the proper departments immediately. THANK YOU VERY MUCH!!!
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I had been collecting unemployment benefits from the state of Arizona for the majority of 2020. I would have my benefits paid weekly onto a Bank of America debit card issued by the state of Arizona. On approximately XX/XX/2020 my debit card from Bank of America was closed without warning. There was the amount of {$1400.00} in funds remaining on the card. I have made numerous calls to B of A as well as Arizona XXXX. Both of them say the other is to blame but neither of them want to take responsibility and return the money to me. 

Can you help me get my money back?
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Elevate Recoveries, LLC (FL)

This company I never heard of never been to this place put a collections balance onto my account I called XXXX XXXX and did a dispute the company that put the collections on my account called me today on XX/XX/2021 and stated asked to confirm for my information I said no they hung up on me I then called back and said that I reported them to IRS they hung up on me again I know this company is a fraudulent company I need someone to contact me about this. The collection amount was {$630.00} and the date of that collections was not stated
Consumer complaint received 2021-01-14
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: AMERICAN EXPRESS COMPANY (TX)

American Express continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX XXXX  and XXXX. First and foremost I do not OWE American Express any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires American Express to provide copies of any and all copies or agreements between myself and American Express. As of the submission of this complaint, American Express has not removed the erroneous item from my credit report nor has American Express produced any of the required items under Section 609 FCRA, which makes American Express in violation of Section 609 FCRA. Furthermore, XXXX, XXXX  and XXXX are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require American Express to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by American Express based upon the failure of American Express to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by American Express with regard to my credit file.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2020 Transunion is lacing my credit report with false entries again. 
XXXX XXXX XXXX XXXX XXXX XXXX is a CLOSED fraudulent account. Transunion is reporting missed payment-this is a lie. 

Transunion is to delete all auto hard inquiries from unknown source entries. Clean up my report FCRA!!