davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (OH)

I contacted Barclay bank carnival world MasterCard support about not receiving my {$250.00} credit as was advertised during my recent cruise with XXXX XXXX XXXX contacted a agent on XX/XX/XXXX at XXXX AM for resolution. They opened case number XXXX and advised me to give them up to 14 days. I called back to check the status of the case on XX/XX/XXXX at XXXX and was advised the issue was still being investigated. I called back a final time today XX/XX/XXXX and was told that promotion does not exist and I would not be receiving any credit. I have photo evidence of said promotion being targeted to guest during this time. I advised representative that I was looking at the advertisment and was informed nothing could be done other than a complaint about the promotion.
Consumer complaint received 2022-08-31
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. (MO)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}
Consumer complaint received 2021-12-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

This is XX/XX/XXXX. Day 3 of my inability to access my joint account information on line. Marcus Goldman Sachs staff continue to assure me that they will fix the problem and call me back when they do. They do not fix and they do not call. I am unable to view or transact in my account on line.
Consumer complaint received 2019-07-21
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: Weber & Olcese, PLC (MI)

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XXXX of XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account. 

Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). 
I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well. 

Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XX/XX/XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX XXXX XXXX.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX  with account number : XXXX MCM account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, XXXX, and/or XXXX can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have XXXX XXXX XXXX, XXXX XXXX, and Weber & Olcese, P.L.C. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ). 
Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2019-11-24
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. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They  have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (MO)

I attempted to contact the company in question, CKS Prime Investments, after seeing them on my credit report. That company then directed me to a second company, Velocity, who stated my account was placed with a third company, XXXX. None of the companies contacted can provide a validity of the debt, state where it came from or what it's from, nor will they provide an option for payment. I attempted disputing the information with the credit bureaus who basically stated XXXX XXXX owns the debt but I have confirmation from a chat that I had with them that they're not the appropriate company. It is a false negative mark on my report and I can not get anyone to remove it despite the fact the debt isn't valid.
Consumer complaint received 2021-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX, to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've tried on one other occasion to get inaccurate findings off my report but nothing has changed. Accounts being reported as late but also appear as a charge off and dates do not match. Is it late or charged off, cause it can't be both!
Consumer complaint received 2022-08-31
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. (GA)

I've tried on one other occasion to get inaccurate findings off my report but nothing has changed. Accounts being reported as late but also appear as a charge off and dates do not match. Is it late or charged off, cause it can't be both!
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've contacted XXXX and Transunion Via certified mail and phone XXXX, XXXX and by phone XXXX clarifying and confirming that the other addresses never belonged to me and that they are still on my credit report. I included my ID, utility bill and SSN so they can verify my only address and name.
Consumer complaint received 2022-08-31
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX and XXXX XXXX  # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction. 

Please delete these accounts from my report.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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)

THIS IS A FOLLOW UP OF MY CFPB COMPLAINT XXXX. XXXX TOOK UNTIL XX/XX/2022 TO RESPONDE TO MY COMPLAINT WHICH IS 4 DAYS PAST THE DEADLINE. IN ADDITION ; THEY ARE STILL DENYING THEY ARE POSTING THE SAME ACCOUNT TWICE. I HAVE ATTACHED THE PORTION OF MY EQUIFAX REPORT THAT CLEARLY SHOWS ITEMS XXXX AND XXXX ARE THE SAME ACCOUNT.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I began the modification process in XX/XX/XXXX when I resumed payments from a COVID forbearance.seems clear to me that they are trying not to offer the assistance i requested because I went through a personal bankruptcy in XXXX and COVID did not help things. 

I have now submitted 3 separate modification requests, and the first two got closed without any notification on what was missing. This third application has been going on for over 6 months, and i have repeatedly emailed for a status or to see if they are missing anything. I have called several times, but the people on the phone never seem to be able to provide any update or clarification.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (TN)

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 USC 1681. 

Account name : XXXX XXXXXXXX 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 pe
rson knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

on XX/XX/XXXX I applied for a home mortgage with a national vendor. That vendor checked my credit report as part of their approval process. 

On the XXXX, XXXX and XXXX of XXXX I received unsolicited calls from a different vendor with whom I have no business relationship of any kind. 

XXXX XXXX  advise that they had not randomly called but had pre- qualified me for a mortgage based on information provided by experian -- including my income, employer, length of employment and credit score-as well as my home and cell phone numbers. 

When I called Experians ' corporate hq to ensure that they understood the privacy act of 1988 -- I was turned to the only source of consumer complaint -- a call center in XXXX XXXX where a barely able to speak english agent informed me that they had EVERY RIGHT to use my information in any way they pleased -- causing me to hang up and file this complaint.
Consumer complaint received 2019-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

I sent in XXXX some more information is The money was XXXX XXXX I won XXXX XXXX forced me to send XXXX XXXX of it to the IRS for taxes. I had to sign to do so or it would be seized. So I did do.the irs never received it. That left me XXXX XXXX to us bank on the other file # XXXX XXXX XXXX did start that XXXX file and did sue in the XXXX  case and sued Trump I believe with my tax money XXXX XXXX and no authority from me to use it. 

I
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I originally filed a claim with Wells Fargo on XX/XX/21 to report a case of fraud/scam and blackmail. 

In this case, which happened on the evening of XX/XX/21, the perpetrator obtained what could be deemed as defamatory material and threatened to use that information as leverage against me and to send other things to employers and family unless I were to pay a certain amount. They made me use XXXX to transfer the funds. I wanted to transfer to leave the immediate situation so that I would have time to file a report with the authorities. I have submitted a report of the situation to the FBI 's XXXX branch for Internet-related crimes. I will attach those documents with some sensitive material removed for privacy 's sake. 

After taking proper steps to alert the authorities, I went to Wells Fargo to hopefully get the transaction reversed, however, I received a very vague statement which seems the claim to refund or reverse the {$500.00} ( one {$200.00} and one {$300.00} ) transfer was denied. I received two forms in the mail stating that Wells Fargo was looking into the matter, dated XX/XX/21, and two follow-up forms dated XX/XX/21. Those are attached for reference as well.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi My name is XXXX XXXX On XX/XX/2021 I call capital one to despite idm. Was on my charger I mad that pierces after half hour I call capital one spoke with customer service repainted I talk her please cancel the despite. 
I spoke with the merchant big manager he talk me to sent the merchandise back the will give me my credit back on my account.

Im the mean time capital one never cancel my despite the canteen new. The merchant give me credit on my account and capital one did the same. 
No I tried to talk to capital on to remove the credit from my account the refused to remove it. The are continuing with the despite. Every day I see in my account I have credit of {$34.00} the next day I see credit of {$61.00} the next credit of {$44.00} XXXX owe them {$26.00} the put the totes the {$61.00} from the credit the gave me witch I been tallied them to take the {$61.00} the are refusing to do. That why customer have problems with credit cards. I pay all the amount every month XXXX dont owe the nothing except {$26.00} the put that towards the {$61.00} so next month the will asked me to pay them {$61.00}. 
Capital one is the worst bank XXXX ever delta with the thrive and if you not smart enough the will destroy your life. 

Thanks you XXXX XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a collection notice dated XX/XX/2021 for the amount of {$420.00} with a debt collector I have no written or verbal contract with. I have found them in violation of the following codes ; 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( B ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), 15 USC 1692g ( 3 ), 15 USC 1692g ( 4 ), 15 USC 1692g ( 5 ).
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I purchased a XXXX Can Am XXXX XXXX XXXX, XXXX ending in XXXX in XXXX with MB Financial as lien holder. Bike was paid off in XX/XX/XXXX. 5/3rd bank now holds the title as they acquired the loan from MB Financial when they bought MB Financial in XXXX. I learned in early XXXX that the bike was still listed in Florida vehicle title records as having MB Financial as the lien holder, which was why I assumed I had not received the title. I called 5/3rd 's XXXX XXXX XXXX MI office XXXX XXXX on XX/XX/XXXX, spoke to " XXXX '' XXXX who connected me to his manager, " XXXX '' and on a later call, after contacting my local DMV to learn FL had not received the title, I spoke to XXXX. XXXX and XXXX both told me the title had already been sent to FL but neither gave me the date that occurred. XXXX stated she would have it sent again and a letter sent to me stating the vehicle was paid off that I could take to the DMV to get the title transferred to me. I told her the state of FL said a transfer of title from MB to 5/3rd was needed, and XXXX stated that info would be in the letter to the state. As of today ( XXXX XXXX ) I have yet to receive the title or said letter XXXX spoke of, and bike is STILL listed in Florida title records as having MB Financial as lien holder. I have contacted the State Attorney General of both FL and MI and both responded with filing a claim with CFPB to get assistance in this matter.
Consumer complaint received 2019-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX deposit of {$4000.00} was made to USAA on XXXX XX/XX/2019. Check cleared sender 's account, XXXX XXXX XXXX  on XXXX XX/XX/2019. USAA, despite risk elimination of funds is withholding {$3500.00} on the USAA account. These funds were intended to be emergency funds for a critical situation which has become exacerbated due to USAA having funds on hold. Since risk of the deposit has been eliminated, there is no valid reason why USAA should keep the funds from being accessible. I've spoken to several account specialist and am told an array of arbitrary reasons why they can not release the funds. The explanation for hold on funds is nothing short of red-herring and ad-hominem fallacies masquerading as excuses to " protect my interest, '' when in fact it has caused my situation to become worse. However, the fact remains, it is my own money, risk is non-existent and I demand to have access to my own money.