davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently sent a dispute letter to XXXX  and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-03-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low 500 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped 16 pts? From XXXX to XXXX. I don't understand. This is unfair. XXXX  has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, XXXX claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Absolute Resolutions Corp. (CA)

I REQUESTED ARC ( ABSOLUTE RESOLUTIONS CORPORATION ) TO VALIDATE THE DEBT OF ACCOUNT XXXX, IDENTIFIED THE DEBT AS XXXX XXXX  DBA XXXX XXXX ACCOUNT ENDING IN XXXX. HOWEVER, ARC STILL HAS NOT SENT ME ANY DOCUMENTS VALIDATING THE DEBT. IT HAS BEEN MORE THAN 30 DAYS. I WOULD LIKE THE DEROGATORY MARKS OF COLLECTION FROM ARC DELETED FROM ALL MY CREDIT REPORTS FOR ALL CREDIT REPORTING AGENCIES INCLUDING XXXX, XXXX, AND XXXX. I ALSO WANT ARC TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, I AM RESPONDING TO YOUR CONTACT ABOUT COLLECTING A DEBT. YOU CONTACTED ME BY MAIL, ON XX/XX/2021 AND IDENTIFIED THE DEBT AS XXXX XXXX  DBA XXXX XXXX  ACCOUNT ENDING IN XXXX. 

IF YOU HAVE GOOD REASON TO BELIEVE THAT I AM RESPONSIBLE FOR THIS DEBT, MAIL ME THE DOCUMENTS THAT MAKE YOU BELIEVE THAT. STOP ALL OTHER COMMUNICATION WITH ME AND WITH THIS ADDRESS, AND RECORD THAT I DISPUTE HAVING ANY OBLIGATION FOR THIS DEBT. IF YOU STOP YOUR COLLECTION OF THIS DEBT, AND FORWARD OR RETURN IT TO ANOTHER COMPANY, PLEASE INDICATE TO THEM THAT IT IS DISPUTED. IF YOU REPORT IT TO A CREDIT BUREAU ( OR HAVE ALREADY DONE SO ), ALSO REPORT THAT THE DEBT IS DISPUTED. 

THANK YOU FOR YOUR COOPERATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS. 

ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT. 

THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS. 

PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Hello, I am filing this complaint in regards to my Equifax credit report. On the fourth of of XX/XX/2021 I tried to access my Equifax credit report and create an Equifax account ; however, I received the following error code " Please give us a call. We can't complete your request at this time. Please call the Customer Care team and mention error code NH. tel : XXXX XXXX XXXX XXXX '' That same day XX/XX/2021 I called Equifax via the telephone number listed above. They said I needed to have at least three open accounts to receive a credit score, and I should check with the other credit bureaus as well. They said the error code NH meant " No History ''. I then stated that I did have three accounts open ( including a revolving credit account ), and I also have access to my credit score from XXXX  and XXXX. After I stated this, the Equifax employee told me I needed to fax a cover letter ( stating that I need to validate the current information on my file and mention the issue ), date of birth, complete name, address, social security number, and drivers license. 

On XX/XX/2021 I faxed these documents to Equifax about twice ( just to be sure ) to XXXX. On XX/XX/2021 I called Equifax to see if they received my documents and they said they did not receive the documentation. I faxed it again the following day, and called Equifax again on XX/XX/2021 and they said they still had not received the documentation. I would like to get this issue resolved as soon as possible, because I am not comfortable with sending my information again. 

Thanks a lot.
Consumer complaint received 2021-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (MI)

XXXX letter from key bank XXXX XXXX XXXX XXXX oh XXXX " Due to the circumstances of your Account we are not reporting the Account to the consumer credit reporting agencies '' The auto loan was reaffirmed XXXX. I have made all payments. They can not tell me what " circumstances '' means. They have not sent me a monthly billing statement in two years or made it available online.I would like both issues to be resolved.
Consumer complaint received 2021-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as Transunio, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (MD)

Hello, I opened a checking account with M & T bank on XX/XX/2022 based on a flyer that was sent in the mail to my home. It offerred a bank bonus of {$350.00} if I deposited {$10000.00} and left the funds for XXXX months. I deposited the {$10000.00} on XX/XX/2022. I have not received the bonus.
Consumer complaint received 2021-07-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

I took out a loan for around {$14000.00} through Santander. I paid on the loan for about 3 years. I did miss some payments but always paid them plus extra late payment fees. The motor blew in the vehicle. I asked for help with getting a rebuilt motor which would cost {$6000.00}. They refused to help me. I needed a car to get to work so I could pay my bills so I had no choice but to let them take it back. They sold the vehicle at auction. They put on my credit report that the original amount of the loan was over {$16000.00} and they wrote off {$15000.00}. I have tried to work with them to charge me the true amount owed and pay them in payments but they wanted me to pay {$400.00} a month of which I could not afford. The lady admitted that all I was paying for those 3 years was interest and the {$16000.00} was principal, additional interest and other undisclosed fees.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 2021-07-10
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. (MD)

I have been trying to get equifax snd experian to delete an alleged debt placed on my credit report from XXXX  XXXX XXXX for months. I have filed an ftc report and wrote letters. Now the account is reporting open on Equifax and remains on XXXX. This is inaccurate and misleading with is a violation of my consumer rights
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

XXXX refuses to delete an inaccurate account from my credit report. They have fraudulently verified the account as accurate with LexisNexis. I immediately called LexisNexis and shared this information, and LexisNexis said that was not possible for them to verify this bankruptcy with them because there are no bankruptcies reporting on my file. The date of this incident was XX/XX/2021, first dispute in question. I called XXXX and immediately opened another dispute into this bankruptcy. Ultimately, XXXX emailed me again yesterday XXXX XX/XX/2021 ) saying that this account has been verified by LexisNexis. I am pretty sure that LexisNexis isn't the culprit here, since all the other credit reporting agencies have properly updated my reports. I just wanted it to be on record that XXXX is still fraudulently saying that they have verified this account with LexisNexis. I will seek legal counsel in this matter since the CFPB has no enforcement arm to make sure that XXXX abides by the FCRA and the laws. It has been nearly 60 days since I disputed this bankruptcy in XXXX and XXXX has been viciously fighting to keep this inaccurate account on my credit report. More importantly, XXXX  is not conducting a proper investigation into the matter. If they did, this matter would have been resolved with my XXXX dispute.
Consumer complaint received 2021-07-10
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. (CA)

XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with Experian, while showing paid on time with XXXX  and XXXX  for that month. Also, XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with Experian and XXXX  for that month. XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with Experian and XXXX  for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.
Consumer complaint received 2021-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. After submitting request to Experian the FRAUD information is still on my credit report.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

I am a former Wells Fargo customer. I closed my accounts ( all of them ) with them several years ago. I still receive bill pay reminder notices and updates to online banking account terms and conditions. I have called and they assure me it is taken care of. Then I receive another notice. 
I would like the emails to stop. If Wells thinks I am still a customer, somewhere in their systems my profile is still active. This presents an opportunity for fraud!
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Woke up one morning and my Buisness account was closed. I had that account for 5 1/2 years I went to speak with the bank manager and they said they have no reason to close it, and dont need a reason to close it. Its my company Buisness account which made everything go wrong once account closed I was not able to accept payments. 
Then 24 hours later they closed my personal account and werent able to pay my rent and bills are take care of my kids with XXXX XXXX XXXX XXXX  )
Consumer complaint received 2019-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

What happened? Two time in a few years I found in my account with Wells Fargo Bank spendings among my spendings! It is very interesting that most of them were with the same companies and pretty close of mine as values! I talk to customer service : they were very amiable, asking to be forgotten, and immediately they returned money in my account and sent me a letter with a paper to be filled up and signed by myself that really I didnt do those spendings! This time I found a {$300.00} atm withdrawal in XX/XX/2019! Because I could access my account through my phone, I did make the habit to do it, 2-3 times weekly! This withdrawal appears just in XXXX of XXXX 2019! On XX/XX/2019 I talked to customer service! There was a man who locked out my debit card and said in 7-10 I will received another one, and the money will be returned! 
The amount remain, card was not sent, and Bank called me through a lady, who treated me like I was the thief! I showed her my proofs : 1. Because I came from my country on XXXX. The 3rd evening I was very tired and the next day I stayed in my home for rest 2. I came with a few thousands dollars from my country, the value of my retirement there, than I did not need cash 3. They did not sent another card according to their promise and the letter with papers to fill out 4. This intimidating talking with her After all these Bank Wells Fargo sent me a letter and concluded : I withdrew {$300.00} without any proof against me! I was in the XXXX XXXX Wells Fargo Bank talk again with a banker there and, than with customer service! They refused my proof and promised to send a letter in 30 days with their proof, which they did not want to tell me in our talkings!
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I settled with PayPal for my credit card in XX/XX/XXXX. The agreement was that I paid a total of {$1200.00} with 6 payments of {$200.00}. I completed all 6 payments of {$200.00} totaling in the settlement amount of {$1200.00}. They have been billing me since for the remaining portion of the credit card which is {$1200.00} that would have been remaining. They are adding late fees and interest to this account, when it was settled and should have been closed as of XX/XX/XXXX. I have made calls monthly to PayPal and when I do they transfer me to many different departments and it always ends in we cant help you. We have also sent several letters with attached letter of settlement and proofs of payments with no response back from PayPal.

I have the settlement agreement offer along with proof of all 6 payments have been made. This account is impacting my credit as its showing that Im delinquent. PayPal will not resolve this personally so I found it best to report in hopes of saving my credit. 
Thank you XXXX XXXX
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with XXXX, while showing paid on time with XXXX  and Transunion for that month. Also, XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and Transition for that month. Transunion is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and XXXX  for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.