davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (GA)

I reviewed my personal credit report after home purchasing consideration, and I found multiple accounts that I did not make being reported on my credit report. 
I was shocked that there were exactly six different accounts that were made fraudulently. 
I had stated that I am not responsible for these financial transaction and I am suffering from an identity theft crime to all three credit reporting agencies. 
XXXX  and XXXX XXXX successfully removed all of fraudulent accounts from my credit report, but Experian is continuing to post one account from XXXX XXXX. I have contacted the creditor directly to validate the account, and they have not provide any of significant evidences or proof that the account belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-06
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: RENASANT CORPORATION (GA)

I reviewed my personal credit report after home purchasing consideration, and I found multiple accounts that I did not make being reported on my credit report. 
I was shocked that there were exactly six different accounts that were made fraudulently.

I had stated that I am not responsible for these financial transaction and I am suffering from an identity theft crime to all three credit reporting agencies. 
XXXX  and XXXX XXXX successfully removed all of fraudulent accounts from my credit report, but XXXX  is continuing to post one account from Renesant bank. I have contacted the creditor directly to validate the account, and they have not provide any of significant evidences or proof that the account belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RENASANT BANK XXXXXXXX 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 2021-01-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Saturday I was promised that a stop payment would be placed on draft from XXXX XXXX for XXXX dollars, this payment has been trying to be presented since XX/XX/2020 None of either party had tried to contact me and infact my credit card was closed due to the errors of both! 
Yesterday I was hung up on twice by capital 1 XXXX & XXXX! after calling back a third time XXXX tells me I missed it by a matter of minutes? Put the XXXX dollars back into my savings account. I specifically was promised that the draft would be denied and how many times can an item be presented? I also believe that this has affected my credit due to their negligence
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Owed : {$300.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$540.00XXXX XXXX XXXXXXXX XXXX  Owed : {$310.00} XXXX  XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CO)

Our father had his mortgage loan through Mr. Cooper. He passed away in XXXX of XXXX. Once my brother and I got a hold of Mr. Cooper at the end of XX/XX/XXXX, we have made continued efforts to move forward with a loan modification. At the time of our father 's death, he was behind $ XXXX but he had the home under COVID forbearance since XXXX. We were told by Mr. Cooper that to move forward with the loan modification we need to remove the COVID Forbearance. They told my brother and I that if the loan modification did not go through that we could put the loan back on COVID forbearance which was not the case. During this time Mr. Cooper would not allow us to make any payments toward the past due amount. My brother and I continued daily to reach out to Mr. Cooper. From XX/XX/XXXX Mr. Cooper suffered a huge data breach and we were unable to contact the company for a month. 

Mr. Cooper was extremely difficult to get a hold of. When we would contact the office there appeared to be no information regarding, and we had to explain the entire situation over. Mr. Cooper has requested I send in the same information over XXXX times since we started this process in XX/XX/XXXX through XXXX of XXXX. On the last time I submitted documents in XXXX XXXX, I received a call 2 days later. I missed this call but the company did not seem to know what we actually needed to submit to get the correct documentation needed to move forward with the process. 

We were directed to not go through probate because all the beneficiaries were in agreement. When we started this process at the end of XX/XX/XXXX, we asked if there was any mortgage relief. Which our mother had mentioned prior to her passing back in XXXX. 

Dealing with Mr. Cooper has been extremely disappointing, especially during this difficult time. I would not normally move forward with filing a complaint but there is something going on. My brother and I are concerned about the way Mr. Cooper is handling this process. 

We would be happy to provide any other information needed to investigate this situation further. 

Thank you for your time and have a wonderful week.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

Student loan servicer Nelnet will not remove loan from my credit report. This loan has been paid in full since XX/XX/2023 and they are not updating this on my credit report. I have made several calls waiting over XXXX several times on hold to get this resolved and they tell me on the phone the loan is paid in full. My credit score is being affected and this is against the law.
Consumer complaint received 2023-03-20
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. (PA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Experian and XXXX  are reporting an account that went to collections as paid off in XX/XX/XXXX but was actually paid off in XXXX. 

This Collection recording has dropped my credit score again as of XXXX for an account that has been paid off since XXXX.
Consumer complaint received 2024-03-21
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. (TN)

Attempted to apply for a vehicle a few weeks ago when the salesperson told me that my credit score was XXXX and I would have to put down a deposit. I knew this wasn't right because I've always been in the XXXX 's. Well, come to find out, someone had stolen my information from a online store I used to shop with. Long story short, I went to the FTC for help and they gave it to me.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

In XXXX, XXXX, Barclay Bank issued a new credit card due to the old card being compromised through their Security. We only discovered this when the new card came in the mail. In XXXX, I receive a notice that I am late on my payment for XXXX. On XX/XX/XXXX, I called Barclay and went through many Customer Service people, to no avail. I figured out what happened and I called to explain and they still can not correct it. The Bank was crediting the old account ending in XXXX ( I do not have the whole Number on the old account as it was destroyed ), which should have been closed, and made this made the new Account XXXX, late. 
As you can see, by the attachments that I have sent you that I have corresponded several times to this Bank in a short period of time. Also, I have never been late on my credit card payment I have not received a call from Barclay on this matter. In the meantime, my excellent credit reports have been lowered, due to their neglect in this matter. On the copy of their response, dated XXXX, they stated they would have a Manager call me to explain the situation. To date ; they have not called.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-01-06
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)

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the items was deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My identity was stolen and unauthorized accounts were opened with USAA and they will not remove it from my consumer report knowing it was unauthorized which is a violation of FCRA. There are also hard inquiries from XXXX XXXX  and XXXX  XXXX XXXX from Adverse Actions that should be excluded in Accordance with FCRA
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is still reporting a XXXX XXXX  Bankruptcy on my credit report from XXXX XXXX, 2020. I have reached out and ask that this item be removed because its not accurate. Ive asked for a full investigation on this item and proof that it belongs to me. TransUnion has not provided this proof and they closed my complaint with no resolution.
Consumer complaint received 2023-07-11
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. (SC)

I'm an extended identity theft victim who has done everything I can do legally and have abided in sending requested information to Experian and XXXX to block accounts connected with fraudulent activity. Per the FCRA and XXXX they are to report accurate information and to not report negative information on accounts in dispute for fraudulent charges. I have filed and submitted my FTC identity theft report in addition to them having my official police report. Per FCRA 605B all accounts outlined in the identity theft report is to be blocked Per consumer request and the law. Experian blocked the accounts with the report but then unblocked them per the creditor from what I was told. Totally disregarding my plea and my legal rights I continue to suffer damages because of their incorrect and fair reporting. XXXX  XXXX XXXX and XXXX have been notified of the fraud and continue to validate fraudulent accounts. This is wilful non compliance and I want to report this abuse of power and have it investigated appropriately.
Consumer complaint received 2021-01-06
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: Santander Consumer USA Holdings Inc. (SC)

loan was paid off early via an insurance check for hail damage to the vehicle which I had repaired prior to receiving the insurance payout. Payoff of the loan was in 2018. After payoff the title was never issued. Someone in their company entered the vehicle in their records as a total for the {$4500.00} ( value still above $ XXXX  ) but this was NOT what they were told at the time of the payoff. They were told the correct reason as I described above and I specifically made sure to mention I wanted them to issue the title upon the check clearing. 
I have tried 3 times in the last 2 months to get the title released to me, even having my insurance company verify that I was driving this vehicle. 
I was promised it would be issued before XXXX but still do not have the title.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

I received an email that an account was opened using my name and phone number through Chime. I called Chime to close the account because I did not authorize it and they did but when I asked if transactions or deposits were made, I was told I could not receive that information because the account was not authorized
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I've conducted 3 different sales through PayPal through out XX/XX/XXXX for a total of XXXX of which XXXX we're supposed to be returned to buyer by PayPal since they're holding the money. PayPal is requesting that I pay the money back and fined me {$500.00} for not returning the money that they're holding. On the 1st transaction they requested from the buyer to add {$1000.00} to convert my account to a business account. Seller submitted XXXX which I had to return plus {$500.00} penalty despite the fact of my account been charged and money was paid the money is still on hold. I sold another item for {$5000.00} and they once again requested from the buyer to add {$1000.00} which I have to return although I don't have any of the money that they've been holding for a month.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is still reporting a XXXX  XXXX Bankruptcy on my credit report from XXXX XXXX, 2020. I have reached out and ask that this item be removed because its not accurate. Ive asked for a full investigation on this item and proof that it belongs to me. TransUnion has not provided this proof and they closed my complaint with no resolution.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander had an account with My husband and I. we only opened it not too long ago. A couple month after opening the account I notice my ATM card is not in my wallet. I call the XXXX number to Santander and speak t the feud department ad inform them i am missing my card. I was informed to go to the branch and show id. NOTHING ELSE>> Now a check for XXXX gets deposited into the account made out to me but i know nothing about it nor did we deposit it. I call the branch to make an appointment which was rescheduled a few times because of weather or etc..During the time the account has XXXX in it t start.. The XXXX check gets deposited and the XXXX we had plus XXXX was withdrawln. Santander must of figured out the check was no good and the account became NEGATIVE XXXX plus the XXXX we lost. Anyway once my husband and I sat in front of the representative from Santander she was very understanding and explain everything to her about missing the debit card. to the deposit and withdrawn we knew nothing about.. She made a call and got off the phone and told us our account is closed and thats all she can say. NO HELP. NO EXPLANATION. NO PROTECTION. NO INVESTIGATION. MONEY STOLEN .NOTHING WHATSOEVER DONE ABOUT THE SITUATION. Now My husband and I go to open an account at another bank and we are being told that we can not open another account due to a situation with Santander.. I am appalled that I was not helped in anyway, NO one even looked at the ATM camera to see who deposited the check and had my debit card. Now we can not even go to another bank and get an account because of the negligence of Santander. We need and account and now have no options
Consumer complaint received 2021-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I am the sender I send {$300.00} dollars to someone using money gram on XX/XX/2020 but, nobody can pick up the money, I called money gram many times and also send some emails but they just responded with automatic emails that I have to call, so I called many times they told me the problem was because the person that is claiming the money doesnt has the proper ID, yesterday he claimed the money again with the proper ID and they do not give the money, because I have to resolve the problem So, I cancel the transaction many times they said they can not cancel or they can not return my money to my account, I am so frustrated with that for that reason I need your Help. They just want my money. I have almost a year with this problem Supposed to be waiting for the proper ID of the beneficiary but the problem still there and they dont want to return my money and they dont want to let the person pick it up.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my XXXX  report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths  of my friends due to XXXX. I am asking that these items be removed from my credit report.
Consumer complaint received 2021-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Today, I checked my credit report. It is stil showing the Hard Copy of Capital One Bass Pro ran on my credit from the state of iowa on XX/XX/20. The credit bureaus will not remove this until the company does it. This is not mine, I do not live in Iowa, no one was authorized to run my credit. I want this removed. I have no credit card number as it is not mine! I do not live in Iowa never have. Please remove this.
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

I've disputed this account every way I know how, and Jefferson Capital has never sent me anything! I have no idea who they are or why they are reporting to the credit bureaus! I have written them several letters demanding that they declare who they are and why they are reporting information about me, and they have not complied! This is a violation of the FCRA! Please help me!
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXXXXXX XXXX  XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX  XXXX, DEPT OF ED/XXXX XXXXXXXX, DEPT OF ED/XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX