davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a copy of my car report in viewing it I found the below errors I previously disputed this error however it continues to reappear and reach my credit report affecting my credit score 1. XXXX XXXX XXXX XXXX # XXXX pay status states charged off however the account is not a charged off account ( letter attached ) 2.XXXX XXXX XXXX # XXXX pay status states charged off this is incorrect XXXX balance is correct ( letter attached ) 3. XXXX XXXX XXXX # XXXX pay status states charged off this is incorrect should be XXXX balance ( letter attached ) 4.XXXX XXXX XXXX XXXX # XXXX pay status states 60 days past dues but balance states XXXX how can that be correct account is pay off not 60 days past due The following inquiries were not requested by me I contacted the creditor as advised they were suppose to delete inquiries XXXX via XXXX . XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XXXX/XXXX/XXXX Remove Initial Fraud Alert from file
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The info being reported is incorrect According to FCRA the statue limitation has past. Original date being reported is incorrect. Aside from the fact it is not valid No documentation has been received proving the accuracy. No response regarding the proof of accuracy
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Open Dealer Exchange, LLC (PA)

On XX/XX/2023 I, XXXX XXXX XXXX BENEFICIARY and living man submitted an application for credit to attain a XXXX XXXX XXXX Pickup Truck through XXXX XXXX XXXXXXXX and 700 Credit and was denied for restricted reasons which were withheld from me. 700 Credit is Civilly liable due to this clear violation of the equal credit opportunity act, as I am credit worthy & can not be denied the extension of my own credit. Both 700 Credit XXXX XXXX XXXX have failed to provide to me any reason for this adverse action via mail within 30 days, pursuant to 12 CFR 1002.9. When I called 700 Credit to inform them of this issue, they claimed that they did not have me in their system, despite my informing them of their inquiry on my credit report. As a result, 700 Credit has willingly & Knowingly denied me of consumer credit, as well as improperly used my credit card without my permission or providing full transparency.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

This is on my XXXX account and I never authorized this at all! Whoever this is, I want my money back. No thanks to him, I have no money to withdraw tomorrow and will not able to buy bitcoin. I want my money back now! 


Paid with WELLS FARGO BANK NA XXXX {$52.00} Your backup is VISA XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX Note Details Sent to XXXX XXXX {$50.00} Fee {$2.00} Total
Consumer complaint received 2020-06-19
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. (FL)

Old XXXX  account from 7 years ago that was paid and remove from my credit have been added to my credit report again. This account was removed and close but now its reappear.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (UT)

Two days ago my venmo account was locked after receiving half of a rent payment from a new roommate. They requested government ID and I sent it immediately. They refuse to actually expedite or explain anything through support. My rent is now late due to the fact that they haven't done anything to remedy this issue they created.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

We booked a XXXX XXXX on XX/XX/XXXX. The first payment charged on that same date, was {$3100.00}. 
Additional monthly charges were : XX/XX/XXXX {$1300.00}. 
XX/XX/XXXX {$1300.00}. 
XX/XX/XXXX {$1300.00}. totaling {$7200.00}. 
We cancelled due to coronavirus on XX/XX/XXXX. XXXX issued a refund minus a {$200.00} administration fee.that date.They told us it may take up to 90 days for the refund to post. totalling {$7000.00}. We waited patiently for 90 days. No refund. After the 90 day mark XXXX I contacted my Credit card company, Barclays Bank XXXX I mailed all supporting documents, [ required after a 90 day window. ] I then waited. 
On XX/XX/XXXX I received 2 letters from them. One stated a dispute was being investigated for {$3100.00}, Case # XXXX .the other for $ XXXXCase # XXXX. I then tried to get in touch with them about my other 2 charges. The dispute office is closed on the weekends.

After a few more attempts, I was able to get thru. A customer service agent told me the other 2 charges weren't being disputed, because I didn't break down the charges by month on my cover letter. I argued, that in my cover letter, I gave the total amount due, explaining the breakdown was in my supporting documents. Only then, did they open up disputes for the other 2 payments.Case # XXXX and # XXXX. These letters were dated XX/XX/XXXX. I have called numerous times about this issue. on : XX/XX/XXXX [ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On Each of these phone calls, I asked to speak to a manager. I was told a mgr will call me back. To date, I received no calls from a mgr. Usually, In dispute cases, They credit the amount immediately. they have not done this. We are at the 40 day mark, and I feel I am getting the runaround! 


p.s. I have received one credit on XX/XX/XXXX for {$1300.00}.
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have a 2nd mortgage with specialize loan services.after the XXXX   crash I got my mortgage modification I ask them to include my second mortgage into one but they said it not important so they modified with out them. So I requested from my 2nd Mortgage company a settlement for {$3500.00} which they did agreed. But I didnt know that until months later that it was now expired they send it to the email an no notification by s letter. So I tried to get them reopened it again. They told me I have to resubmitted all info again. After with they denied it every year on I tried with my tax time come they denied it. But for the last year am so in distress and having nightmare about losing my house. There is one lady the is the case manager she harassed me calling everyday telling me to sell the house am to sell my jewelry or my vehicle to pay them or get a loan from people to pay them. She call from unknown numbers. She didnt want to identify herself she uses all kind of tactic to harass me I told her I can afford to pay it. I am not working as much because my two kids going through a tough time with XXXX  XXXX an that times I can keep my jobs because I have to attend to them. I sent in several settlement she dont even pass it to the manager she throw it out say its not enough so shes not giving it to my boss she block everything I try my credit is bad I can refinance or get a loan. Am so over welem an upset an mentally drain but this every time she call I get over stressed out an nervous all day she call everyday. This is my contact XXXX.please please help
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

TERMS : Free Checking Bundle Bonus : Get {$300.00} when you open a Free Checking account with {$50.00} minimum opening deposit and open a Savings account. Earn {$300.00} when you open a Free Checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening, ( 2 ) Enroll in eStatements, ( 3 ) Open a new savings account. 

Bonuses to the eligible qualified accounts will be credited, at the banks sole discretion, any time within 120 days after all qualifiers have been met. 

- XX/XX/2020 : Opened 'Free Checking Bundle ' through First Citizens Bank website per the direct link provided via direct communication with the offer code and according to the terms of the promotion. {$1000.00} deposit to each of 'Free Checking '  account and 'e.Savings ' account. 

- XX/XX/2020 : Enrolled in eStatements. 

- XX/XX/XXXX - XX/XX/XXXX : Completed 10 debit card transactions within 90 days of account opening. 

- XX/XX/2020 : 120 days after all qualifiers have been met - {$300.00} has NOT been credited to the account.
Consumer complaint received 2023-01-05
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)

My original request for Experian to correct and update information on may credit report on TWELVE of my accounts began in XXXX of XXXX. They fixed ONE account, so I followed up in XXXX of XXXX, Again NOTHING was done, so I submitted a complaint through cfpb - and the response I got was absolutely NOT what I asked them to investigate in my complaint. I made it very clear that ELEVEN of these accounts are XXXX XXXX XXXX and XXXX  ( student Loans ) and not to mention they are ALL CLOSED AND PAID IN FULL. Now their response says " they verified with the furnisher and they responded that the information is reporting accurately '' NOT ONLY IS THIS FALSE INFORMATION- EVEN IF THEY DID VERIFY WITH THE FURNISHER - IT IS REPORTING INACCURATELY. 

A PAYMENT STATUS IS SUPPOSED TO REPORT AS THE CURRENT PAYMENT STATUS. 

How do you report a payment status saying " paid was past due 120 days '' when there is no reported two year history, and it obviously shows closed and paid in full? This is an FCRA VIOLATION- it is outdate- incomplete- inaccurate - what ever word you want to use, but it is wrong and harming my credit score. - These are for the XXXX XXXX XXXX accounts there are 5 of these. 

The XXXX accounts- there are XXXX of these- are all over XXXX XXXX XXXX. They are reporting payment status as " Paid was past due 120 days '' as well as a two year history from XXXXalso per FCRA guidelines you are not to report a history older than XXXX XXXX XXXX. And they were all 6 paid in full and closed. So the payment status is WRONG and the two year history needs to be removed. 

The last account is kashable- again this account is current and has been current- they are reporting a derogatory payment status of " current, was past due 30 days two or more times '' which this again is WRONG and outdated. the thirty day late they are reporting XXXX of XXXX is INACCURATE they are the only bureau reporting that late payment and I was not late. 

So this being the FOURTH time I have asked EXPERIAN TO ACTUALLY READ THE COMPLAINT AND CORRECT THE INFORMATION THEY ARE REPORTING INACCURATELY, NOT THE FURNISHER, IF THIS IS NOT CORRECTED ON ALL TWELVE OF THESE ACCOUNTS I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT DUE TO THE BLATANT DISREGARD FOR LAW AND THIS HAS BEEN GOING ON FOR OVER 6 MONTHS!!! 

I Have included the 4 letters that were sent certified mail, Ive included my cfpb complaint that was submitted in XXXX, I included their ridiculous response, and Ive included a copy of ALL TWELVE accounts credit report with the payment statuses highlighted.
Consumer complaint received 2021-02-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (NY)

I hold a CD which matures today, XXXX XX/XX/2021. I called the Wells Fargo number listed on the Maturity Notice today and asked that the funds be redeposited to my checking account. After several transfers of my call, I was told that the funds would not be available until XXXX XX/XX/2021. 

This is unacceptable use of the funds float without benefit to me by Wells Fargo.
Consumer complaint received 2020-09-28
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I dont recognize these debts.
Consumer complaint received 2020-09-28
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: I.C. System, Inc. (CA)

IC Systems put a collection on my account dating back to XXXX. Originally it said XXXX XXXX and it now says XXXX. I was not aware of this until XXXX when I checked my credit. I sent a request to the credit bureau XXXX  to verify the validity. On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/XXXX XXXX  sent a letter stating that they had completed the investigation and the items were not deleted, as requested. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. I contacted IC SYSTEMS, XX/XX/XXXX and asked for validation of debt. IC SYTEMS, sent in response a collection notice. I followed up on XX/XX/XXXX with a Certified letter with proof of receipt asking for debt validation. In the letter I gave them 15 days to send this verification. As of this date I have received nothing from them. This is unacceptable!
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 convictions 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 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (GA)

The Credit reporting agency is Reporting inaccurate dates on a chapter XXXX I had. XXXX chapter XXXX was discharged in XX/XX/XXXX and for some reason they have changed the discharge from XXXX to XXXX. 
I have had 3 way call with the XXXX Ga. Federal Bankruptcy Court who acknowledge to the reporting agency that they had the wrong discharge date and it is XX/XX/XXXX but the reporting agency still did not Correct the dates like they said they were going to.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have obtained a copy of my credit report and I have unauthorized inquiries reporting on my credit. This is extremely frustrating and scary considering someone has been applying for credit using my information.
Consumer complaint received 2022-11-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-05
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. (WV)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate XXXX late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXX 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX 60 days late, XXXX 90 days late, XXXX  60 days late, XXXX 120 days late, XXXX 90 days late, XXXX  60 days late On Experian ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX 30 days late, XXXX  90 days late, XXXX 60 days late, XXXX 30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.