davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I called Equifax to try and get some help with some inquiries that were stated to be removed initially, but are still on my credit report. You sent me results of your investigation stating that the following inquires were deleted, yet two still remain on my credit file. The lady over the phone refused to help me over the phone and told me that the inquiries were valid. How does this make sense? The results of my investigation said they were supposed to be deleted. Most of the inquiries were removed but two that were stated to be deleted still remain my credit report.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I sent a letter to Chexsystems pertaining to an account from capital one that does not belong to me on XX/XX/2021. I've sent multiple letters to them over the course of 6 months and have not receive a response. They refuse to look into this issue or even respond. Chexsystems is inaccurately reporting misinformation on my report, and it needs to be FIXED.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC. (FL)

We closed on loan in XX/XX/XXXX with First Community Mortgage , Inc ( FCM ), c/o XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Made first payment of {$2000.00} on XX/XX/XXXX - Withdrawn from our bank account on XX/XX/XXXX. XXXX Loan was transferred to new servicer effective XX/XX/XXXX. 
Got a letter in the mail dated XXXX XX/XX/XXXX from new servicer stating our 'mortgage payment which was due on XX/XX/XXXX was seventeen days late. ' New servicer received escrow, but not initial payment of {$2000.00} Contacted previous servicer ( FCM ) multiple times on the matter, to have {$2000.00} transferred to new servicer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 
Have been informed of the following when we called. 
XXXX Not sure why funds are being held. ( XX/XX/XXXX ). 
XXXX Funds are being held because payment was made too early. 
* Payment will be sent out within THIRTY days. ( XX/XX/XXXX ). 
* Payment has been wire transferred, give it seven to ten business days ( XX/XX/XXXX ). 
* Will fill out form to escalate problem for it to be researched as funds were not transferred ( XX/XX/XXXX ). 
It has been over sixty days and funds have not been refunded/transferred. 

Please direct accordingly.
Consumer complaint received 2021-06-30
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. (TX)

After sending in several dispute letters via USPS certified mail to TransUnion, they have failed to legally investigate and delete several inaccurate accounts on my consumer report. They are willfully furnishing this inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. They have ignored my direct correspondence and attempts to resolve this issue directly. I have attached my Affidavit and other dispute letters I recently sent to TransUnion in the past. All these documents have been sent directly to TransUnion in the past 120 days and they have ignored them all. All my previous documents and Affidavit clearly show how TransUnion is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 5 ) by reporting inaccurate information. Unless TransUnion takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Consumer complaint received 2021-06-30
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)

In XXXX I sent out another letter regarding inaccurate accounts on my credit report. I have not received a response in regards to my request, which was way beyond 60 days, I started my initial dispute on XX/XX/XXXX which is almost 120 days inaccurate and unverified accounts that remain on and hurting my credit report. I still was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence.

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and may have got into the wrong hands.
Consumer complaint received 2021-06-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Our USDA mortgage is with BB & T Home Mortgage. We understood that we could have our COVID forbearance extended to 18 months due to the fact that we requested forbearance prior to XX/XX/2020. BB & T states this is only available for XXXX XXXX and XXXX XXXX mortgages and that our USDA mortgage does not qualify for the extra extension to 18 months. My husband was in the hospital for an extended amount of time due to COVID. We were hoping for the extra time to pay off the hospital bills before we resume paying our mortgage. I am very disappointed that they are not following what has been laid out.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

Per Venmo online FAQs, to close an account, you access your account go to settings then choose a link that says " Close my Venmo Account. '' I have tried this numerous times over the past month from various devices connected to high speed internet. All that happens is a " loading screen '' pops up. It never actually loads, so I can't actually close my account and have my banking information removed from this service. I have no outstanding transactions and I no longer wish for my information to be on the internet. 

I used the Venmo " Contact Us '' page to email a description of my problem. I got response from ( presumably ) a robot telling me how to delete the app and reinstall it, which is useless, as per Venmo FAQs, one can not delete an account from the app, only from the desktop browser. 

I replied to that response, clarifying that I had followed the Venmo instructions regarding how to close an account but have been unable to close my account. I clarified that information about the app is not helpful and the real problem is the broken link on the website. 

The Venmo rponse to my reply was to again send me instructions to go to my account, settings and choose the link the close my account. There seems to be a willful failure to address the issue, which still exists because I can not close my account. This also does not seem to be something that would be broken only for me. It seems they have disabled the ability to close an Venmo account, in violation of their own terms of service, and surely some law as well. 

I just want to close my account and scrub my banking information from their servers.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OR XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc. (GA)

American First Finance has attempted to contact me numerous times everyday for the past month, to the point where it has upgraded to complete harassment on their part. They have refunded money to my accounts, only to debit it back out in order to keep their collection tactics active and continue to harass. The amount being collected on has been contested by myself and my financial institution and several stop pays have been initiated, costing me even more money from my bank, XXXX. It has been a true terror dealing with this company and I really hope this report is a warning to other on doing business with American First Finance.
Consumer complaint received 2023-02-18
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ACCOUNTS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (GA)

I have been disputing this unrecognizable collection account and inquiries several times to Equifax now and yet it is still reporting and is affecting my scores negatively. I need to see proof that I gave my consent to report my medical information in accordance to HIPAA law. 
I do not recall giving permission to release my medical information to a third party.
Consumer complaint received 2023-02-05
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


( XXXX Acct # XXXX ). ( XXXX XXXX, XXXX XXXXXXXX, Acct # XXXX ). ( XXXX XXXX, XXXX, Acct # XXXX ). ( XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX ) ( XXXX XXXX Acct # XXXX ). XXXX XXXX  XXXX XXXX Acct # XXXX ). ( XXXX XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX XXXXXXXX XXXX ). ( XXXX Acct # XXXX ). 
has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes  which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-06-30
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2021-06-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

All I am trying to have rectified is for Capital One to issue the title to a vehicle from an Auto Loan. 

I paid off an Auto Loan with Capital One on XX/XX/XXXX, and at the end of XXXX I contacted them about when I would receive the title. I was told it was electronically released to Pennsylvania Dept of Transportation. 

I contacted PennDot on XX/XX/XXXX, and was informed that Capital One did not electronically release the title yet. Upon calling Capital One on XX/XX/XXXX they had told me Penndot would not accept the electronic release and after talking to the rep they had the wrong City listed as my address, and I was assured it was updated on the call and the title would be electronically released again. 

On XX/XX/XXXX I contacted PennDot again and they said they still did not have the electronic release from the lienholder. I called Capital One on XX/XX/XXXX following up and the address still contained the wrong City for my address, and again I was told it was corrected and the title would be electronically released to PennDot On XX/XX/XXXX I contacted PennDot again and they still do not have the electronic release. I called and spoke to a representative at Capital One who said PennDot declined the electronic release and she would not tell me if the address was corrected on their end. I asked to speak to a supervisor and was on hold for about 30minutes and I was told by the rep that a supervisor would call me in an hour or so. I did not receive a call back The night of XX/XX/XXXX I sent an email and have not had any response either Today on XX/XX/XXXX I called again Capital One again to request to talk to a supervisor, and I was told there was no supervisor available and they would have someone call me, and still have not received a call.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I am submitting this complaint because I am being extremely affected by CONVERGENT OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation..

I am requesting deletion account from all credit bureaus. 

This is the account : CONVERGENT OUTSOURCING , INC . 
Opened : XXXX XXXX, 2020. 
Balance : {$1600.00} Original Creditor Name : XXXX XXXX XXXXXXXX Highest Balance : {$1600.00}. 

Please see the document attached.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/XXXX, i sended a money transfer by XXXX thru my bank ck acc ( Wells fargo ) ( {$300.00} ) for a wrong phone number and called back right way to the wells fargo bank and explained my error and they opening a claim ... Time passed by and after 15 days, i called and the bank said was not they error and is not they responsability and the case is closed. 
I founded by the old number, who received the money thru anothers pay app, and the person name is XXXX oneill ( old number on my XXXX XXXX actual number ) ..I text to her and she respond and said the money was reversal on XX/XX/XXXX and the bank will contact me and that never happen! and she sended the copy of the transition ... I went on the bank after 3 days online apointment ( Confirmed by my email ) and explain again in person and they said my clain was not closed ( Lied to me ) and them i called and open another claim on executived office ( claim:XXXX ) on XXXX and today on XXXX they said the same thing again over the phone ... ..Was not they error and the case was closed! and them i reopening another claim after talk to a executive officer ( mr XXXX J-Wells fargo ) claim XXXX.need Help! And for who may concern, very truly yous, XXXX XXXX XXXX and customer of well fargo banking and account end on -- XXXX -- -My phone numberXXXX Email : XXXX Thank you!
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (FL)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have been disputing an account this is impacting my credit score because Equifax and XXXX are reporting incorrectly. I have sent them 4 letters, XXXX, XXXX, XXXX, and XXXX of 2021. I have yet to receive a response. 
This account was settled and paid and both XXXX  and Equifax are still reporting it derogatory, which is an FCRA violation There are many conflicting reporting errors, they have not verified this account at all.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (AL)

XX/XX/2021 A refund was Initiated to Binance.US for the total of {$3400.00} I reached out several times to the customer service team. As of XX/XX/XXXX i was informed in an open chat by a Customer Service Agent that my ticket was never tended too. This is not good. I am in a Financial hardship and really need my funds fast.
Consumer complaint received 2023-02-05
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. (CO)

I believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXX XXXX XXXX.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Back on XX/XX/21 I informed consumer credit reporting agency about the fact that my right to privacy as a consumer was being violated and that they were in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my consumer report. Since then I have filed multiple disputes via certified mail receipt : XXXX XXXX XXXX and have not received a response or correction to my consumer report. They are also in violation of of 15 U.S. Code 1681n ( a ) for willful noncompliance because I have been contacting them for over 120 days about the inaccuracies and informing them about the fact that I was a victim of identity theft and was impacted by the Equifax breach. I am being sabotaged and abused by the reporting agencies who are disregarding and ignoring my disputes. I have provided them all documentation requested and they have not even had the decency to assist me. I demand all the inaccuracies be removed immediately or I will file for litigation due to the stress and damage you have cost me.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back on XX/XX/21 I informed consumer credit reporting agency about the fact that my right to privacy as a consumer was being violated and that they were in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my consumer report. Since then I have filed multiple disputes via certified mail receipt : XXXX XXXX XXXX and have not received a response or correction to my consumer report. They are also in violation of of 15 U.S. Code 1681n ( a ) for willful noncompliance because I have been contacting them for over 120 days about the inaccuracies and informing them about the fact that I was a victim of identity theft and was impacted by the XXXX breach. I am being XXXX and XXXX by the reporting agencies who are disregarding and ignoring my disputes. I have provided them all documentation requested and they have not even had the decency to assist me. I demand all the inaccuracies be removed immediately or I will file for litigation due to the stress and damage you have cost me.