davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

I deposited a check on XX/XX/XXXX in an ATM at US Bank in XXXX, Oregon for {$6000.00} and the amount was credited to my account incorrectly as {$5000.00}. 
I received a printed receipt form the ATM with a copy of the check and called the number on the back of my debt card while still at the ATM. I spoke with customer service and they were able to access my account view the check and verified it did not match the amount written. 
This check was from XXXX XXXX, I understand there would normally be a hold period to verify funds but not over 10 days. US Bank is not releasing the funds until XX/XX/XXXX. 
I have called 9 times, each conversation I am told to call another number or go through the branch where I opened the account. My account was opened XX/XX/XXXX in XXXX, Oregon I have never been back to that branch. 
Each time I called I explained I have a draft scheduled for XX/XX/XXXX that is for XXXX XXXX Mortgage for {$12000.00} and I expected my full account balance to be available. I called XXXX XXXX and the check processed XX/XX/XXXX. US Bank customer service told me " someone in the backroom placed a hold on your check beginning XX/XX/XXXX ''. 
I am so frustrated calling and being on hold so many times without anyone taking responsibility. I absolutely will close this account once the draft from XXXX XXXX is complete. I will probably be charged by XXXX XXXX and US Bank if they do not release the amount in my account. I very well should have completed this transaction through our credit union.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX denied a recent application of mine because of the security alert on my credit report. They advised me that until my current phone number is updated and they can call me it will remain denied.
Consumer complaint received 2021-10-01
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)

On XX/XX/2021 I sent Experian a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2021-10-02
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. (GA)

On XX/XX/2021 I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am disputing methods of verification for a bankruptcy listed on my XXXX report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from XXXX at XXXX XXXX on XX/XX/23 who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed XXXX does not and has not verified information in my file. XXXX sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but XXXX believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by XXXX.
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

My bank account was served with a levy from the debt collector Midland funding from a judgment that was issued in XXXX of XXXX they went back to court and submitted this writ dated XX/XX/XXXX of this year I submitted a motion I did not get a chance to file the questions to be answered because I was never served with this I would have definitely called and got it. 
This company didn't do the right stuff they supposedly sent it to me wrong address I've not been there for over 2 years they submitted this to the wrong bank because the bank is no longer in existence documents are not correct Bank should have never taken them. 
I received a motion from the judge that I can't reach out to the from the judge that I can't reach out to the from the judge that I can't reach out to the company from the judge that I can't reach out to the company to from the judge that I can't reach out to the company to work from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a payment arrangement and the company refuses to do that if the original judgment was issued in XXXX and I'm just now getting this in XXXX My question is what are the rules and laws of them notifying me within the four years of the original judgment it's not on my credit report it's nowhere out there as a public notification to know that it's out there that I need to get it taken care of I told the lady don't you think people 's lives change him 4 years.

They were rude they refused to get me a manager I just wanted someone to work with me and reverse this I offered to pay {$500.00} at the release of my money and set up the rest on a payment arrangement monthly and they didn't want to do that they stated it's too late.
Consumer complaint received 2022-05-27
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MI)

Reviewed credit report and AFNI is listed as a debt collector for XXXX. I havent had a XXXX account in 5 years and no funds are owed to them. I request that this be removed off my credit report immediately
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. 
Collection Agency COMMONWEALTH FINANCIAL SYSTEMS Original Creditor Name XXXX XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX Contact COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX
Consumer complaint received 2021-10-01
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Chase bank refused to file a claim of fraud when I was mislead by a fraudulent lending company and was added money to my account by the fraudulent lending company by them accessing my account with my chase bank password. I was then told to purchase gift cards in order for them to resend the rest of the {$10000.00} loan in which I never received.
Consumer complaint received 2022-05-27
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-02
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. (GA)

On XX/XX/2021, I sent a letter to XXXX, XXXX, and Transunion to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.
Consumer complaint received 2021-10-02
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. (GA)

On XX/XX/2021, I sent a letter to Experian, XXXX, and XXXX to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WATERMARK CAPITAL, INC. (AZ)

I worked with watermark home loans to refinance my house. We agreed on a no cost refinance loan. The lender credit was suppose to cover the expenses of my refinance. When I received Closing Disclosures they were never correct and constantly changing. We I voiced this to the lender over the phone they said don't worry it will be correct on signing. After I signed I notice the lender credit was only {$600.00} and fees paid to borrow were {$3100.00}. I called the lender and they stated that the reduced lender credit is because they had to extend the loan because all of the changes I made. My appraisal came in lower than expected which caused me to reduce the cash out portion. I was never aware a loan lock was being charged to me. XXXX XXXX who worked with me through this process told me the company is not going to do anything and they can just cancel the loan and applied pressure stating rates have increased anyway, as well as good luck finding a better rate now. An email below from the processor even states the initial terms of the loan which had a higher lender credit. 

" XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to me XXXX, the revised pricing for the $ XXXX loan amount you requested is shown below. 
Youd still be at 2.875 % with a {$1500.00} lender credit and your new P & I payment would be {$1200.00}. 

Hope that helps you know which way to go Regards, XXXX. 
XXXX XXXX ''
Consumer complaint received 2019-11-27
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. (NY)

XXXX CARD is recorded as both hard and soft inquiries on XX/XX/2018 ; yet sometime that month and year XXXX ( XXXX ) called me and asked if I applied for an XXXX XXXX on that date. I told them no I didn't and left it at that because I wasn't sure if it was in fact XXXX XXXX since I get quite a few scam calls. I said nothing more and hung up.
Consumer complaint received 2021-10-02
Product: Vehicle loan or lease — Lease
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: VW Credit, Inc (DC)

I decided to payoff the value of my leased XXXX XXXX and keep the car as the lease term approached expiration. I reached out to VW and obtained a payoff quote and the documents required on XX/XX/2021. On XX/XX/XXXX, I sent to XXXX XXXX  XXXX XXXX a cashier check for {$17000.00} payable to XXXX XXXX  XXXX as instructed in the Vehicle Payoff Instruction List sent to me by Volkswagen Credit on XX/XX/XXXX. We were informed that we would receive the title documents within 3-4 weeks. 
- XX/XX/XXXX : When we did not hear back from the company, we contacted them for follow up on XXXX XX/XX/2021. We were informed that the documents should be sent by the end of the week and promised that an expedite request would be put forward. 
- XX/XX/XXXX : having not heard anything we reached out again only to be informed that our Odometer Disclosure is missing. It was incorrect since we did send the disclosure with the check. 
- XX/XX/XXXX : we sent the Odometer Disclosure again. 
- XX/XX/XXXX : We contacted them we were told that the documents are in the mail and we would receive them in a couple of days. 
- XX/XX/XXXX : we demanded escalation and we were connected to a manager. She advised that VW made a mistake submitting our documents to their service provider that handles lien release and that this was corrected and we would get an update within 24 hours. 
- On XX/XX/XXXX we also asked through VW Credit portal to receive an official letter confirming that we have fully paid the value of the vehicle. We received no acknowledgement or response. 
- XX/XX/XXXX : we followed up after failing to receive the promised update only to be told that the title and lien company was only given the request to release the title on XXXX XXXX and that their process would probably be completed by the XXXX or the XXXX of XXXX. 
After all these changes of stories and information we believe that the company is either grievously negligent or actually in bad faith. Either way the harm to us is the same. We are unable to trade, refinance or resell the vehicle and we are stuck unsure when we will be able to get access to our money and get the full use of our fully paid property. The company is acting with impunity and DC law does not impose any penalty on the company for withholding out title to the vehicle in this way. We contacted the DMV asking if there is a process for them to intervene and there was none.

I really hope that CFPD can interfere to protect us from this abuse of company power and unfair treatment
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

CACHLLC has reported inaccurate information. This collection agency is reporting that I have recently made payments when I had never made a payment to them because I do not owe them anything. The account states closed.This is fraud and inaccuracy of reporting. It is affecting my credit report negatively and that is why I'm filing this complaint