davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (KY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  all show inaccurate payment history throughout all credit reporting bureaus and for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I havent received a 1099c a cancelation of debt. Therefore the accounts are providing in accurate information and I would like it removed from my credit report.
Consumer complaint received 2022-12-16
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2023-07-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (AZ)

Goldman Sachs Bank, USA. did a federal backup debt on my CD for the month of XXXX for {$220.00}. My account ends in XXXX. Customer number is XXXX. I want this money put back into my account. I never even signed a signature card back in XXXX. So they sent me another one in XXXX. I HAVE NO FEDERAL BACKUP WITHOLDING I OWE THE FEDERAL GOVERMENT. I SENT THE NEW ONE BACK ON XX/XX/XXXX, INDICATING I HAVE NO FEDERAL BACKUP WITHOLDING FROM THE FEDERAL GOVERMENT. I CALLED ON XX/XX/XXXX. THE REP ADVISED THEY STILL DO NOT HAVE. I WAS PROMISED A CALL FROM A SUPERVISOR NAMED XXXX, ON XX/XX/XXXX. I NEVER GOT THE CALL. THEY WILL NOT SEND ME ANY SIGNATURE CARD, THEY SAID I SIGNED BACK ON XX/XX/XXXX. THAT'S BECAUSE I NEVER DID. IN THE MEANTIME I WANT THE {$220.00} PUT BACK IN MY ACCOUNT THEY TOOK OUT ON XX/XX/XXXX. I SENT THE NEW CARD IN TO STOP THE BLEEDING, AND THEY CONTINUE TO PLAY GAMES
Consumer complaint received 2016-01-08
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (MI)

I 've sent {$880.00} through Paypal for an item I bought online, and I did n't receive it. Filed a case for item ( not received ) with Paypal and submitted the shipping company link and tracking number, which shows that the item was shipped on XXXX and still in transition, last update was XXXX XXXX. but Paypal closed the case claiming that the item was shipped, I appealed the decision and again Paypal reject the appeal and closed the case permanently, at this time I have no right of complaint or ask where about my item from anyone. Shipping company site : link XXXX Tracking # XXXX The seller and the shipping company are saying that the Item is not delivered, only Paypal claiming that I received the item, and left me with no tools to fight for my funds, please help Paypal appeal case # XXXX Item paid on XXXX and case opened on XXXX XXXX My name : XXXX XXXX, E-mail address and Paypal ID : XXXXXXXXXXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my XXXX  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 account 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 XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

This bank is horrible after approving me for my gas card I just received it yesterday the Exxon Mobil card I cant use it or they wont let me increase my credit limit its not fair transfer me to so many different departments and after Im verified by their fraud team they tranfer me to customer service and they still refuse to let me increase my limit and put a hold against me using my card how is this fair after verifying me and telling me to keep my account safe they even told me if I wanted to place a password and I said yes and customer service refuses to help me or to see this such a frustrating experience
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I applied for an apartment back in XX/XX/2019 which was a {$190.00} application fee. The leasing agent I worked with told I would receive this back if I did not peruse to live there. I never received my lease from him because he left the company and no one reached out to me regarding moving in. Therefore in XXXX I made a dispute with my credit card company. Then the apartment company immediately sent me to a collections company without ever seeing a response from them. I never received any paperwork stating they were trying to collect a debt from me and what it was for. I repeatedly asked for them to send me something and all they would tell me I was I had 30 days to pay it and it will still go on my credit. The credit collector refuses to have a normal conversation with me. Called and emailed repeatedly that I was charged this on my credit card account. They didn't care to listen to anything I had to say. I was also told it wouldn't be reported on my credit but 30 days later it showed up after I had no choice but to pay it. 

Date Reported XX/XX/2019 Date Assigned XX/XX/2019 XXXX XXXX   XXXX/XXXX  Client Name XXXX XXXX XXXX   Original Amount : {$190.00}
Consumer complaint received 2019-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (VA)

I applied for personal line of credit to payoff current loan and to have cash to pay bills. Wells Fargo lead me to believe i would be approved. My mother cosigned and has over XXXX in assests not including stocks and antique collection. I feel they did not consider loan with cosignor and gave false hope that i was approved. My mother and i have been with Wells Fargo for years and have always been loyal and done well with our loans. I needed this to get my payment lower and consolidate so i could improve my credit score i  seek reconsideration and approval i owe under XXXX XXXX and my loan request was to pay that off and pay other debt this would create a better situation for me
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2022, Capital One made an unjustified decision to reverse several payments received from XXXX, totaling {$370.00}. These payments were initially received in exchange for {$370.00} worth of cryptocurrency on XXXX, which is the largest cryptocurrency exchange service in the world. XXXX operates a peer-to-peer exchange that functions as an escrow service, holding the {$370.00} worth of cryptocurrency until I confirmed receipt of payments from XXXX. 

On XXXX and on XX/XX/2022, XXXX sent XXXX payments to my Capital One account, and upon receiving this payments, I promptly confirmed to XXXX the receipt of {$370.00}. In response, XXXX released {$370.00} worth of cryptocurrency to XXXX. However, at a later point, XXXX applied for a chargeback, and Capital One wrongfully reversed the payments. Despite my repeated attempts to contact Capital One via phone calls and visits to their branches, providing them with evidence of the transaction, they ignored my efforts. As a result of Capital One 's erroneous decision, I have suffered a financial loss.
Consumer complaint received 2023-06-13
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX calls have been placed to Equifax and not having my credit report scores, and update available to me.
Consumer complaint received 2021-08-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I have been trying to complete my loan modification packet but I have been getting a run around from my lender. They continue to ask for my benefit letter for my VA income, which I have already submitted to them. I have been waiting over a year to submit for help and the least I need is another excuse as to why my documents are being reviewed!
Consumer complaint received 2022-10-26
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. (SC)

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

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK (CA)

I applied for a small home equity loan from Discover Home Loans online and it said they were having technical difficulties so I needed to call. I spoke to XXXX XXXX XXXX XXXX XXXX and she proceeded to try and run my credit. After several attempts she said she was having technical difficulties and would have to run in manually, which I refused. I asked if I was getting a hard inquiry on my credit report each time she tried which she stated No. I immediately when onto XXXX XXXX and saw that in fact I did receive three back to back hard inquiries on my credit, lowering my credit score by XXXX XXXX  on XXXX. In addition to that I have been receiving emails, texts, and numerous phone calls XXXX XXXX XXXX harassing me and trying to sell me a mortgage. This need to stop and I need Discover Home Loans to fix my credit by removing the hard inquiries on my credit report.
Consumer complaint received 2022-09-08
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. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2019-11-19
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. (IN)

XXXX XXXX refuses to mark our XXXX mortgage payment as made timely when we refinanced our loan to XXXX XXXX and payoff was sent via wire transfer to XXXX XXXX on XX/XX/2019 and the wire confirmation shows it was received in XXXX XXXX account on XX/XX/2019. XXXX XXXX erroneously claims they received payment on XX/XX/2019. I have reached out to XXXX XXXX twice regarding this error and they have researched it and still refuse to fix the error.
Consumer complaint received 2022-10-26
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. (NC)

I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. XXXX added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: I.C. System, Inc. (PA)

I C SYSTEM {$1200.00} - Open balance I C SYSTEM - Original creditor Opened- XX/XX/2024 ( XXXX mos ) I am hereby notifying you that I did not authorize any individual from I C SYSTEM to view my Consumer Report. In addition, I did not grant I C SYSTEM permission to furnish this information. Please note this is a direct violation pursuant to 15 USC 1681 ( B ) ( C ). Both, together and separately my Consumer Rights and Privacy Rights are being violated.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Urgent Action Needed : Discrepancies on My Credit Report " Notice to agent is notice to principal, notice to principal is notice to agent. '' I hope this message finds you well. I am writing to express concern regarding several inaccuracies found in my credit reports provided by your agencies. These discrepancies are impacting my creditworthiness and causing undue obstacles in my financial life. 
As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I kindly request you to investigate and correct the following discrepancies : 1. Name Variations : The only correct name on the report should be XXXX XXXX XXXX. Please remove all other variations including : * 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 2. Employment History : The sole employer listed should be XXXX XXXX. Please remove all other employment records including : * XXXX XXXX * XXXX XXXX  * XXXX XXXX * XXXX XXXX XXXX * XXXX 3. Contact Numbers : Please remove all phone numbers except for ( XXXX ) XXXX. The numbers to be removed include : * ( XXXX ) XXXX * ( XXXX ) XXXX 4. Residential Addresses : The correct and sole address listed should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please remove all other listed addresses including : * XXXX XXXX XXXX XXXX, IA XXXX * XXXX XXXX XXXX XXXX XXXX OK XXXX * XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * And other incorrect addresses as provided Your immediate attention to this matter is not only greatly appreciated, but also crucial in maintaining the integrity of your reporting. I'm sure you understand the importance of accurate credit reports, and I'm counting on your professionalism to quickly rectify these errors. 
Please note that failure to resolve these inaccuracies may constitute a violation of the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
I look forward to a resolution to this matter. Thank you for your prompt attention. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/ 2019 I disputed an account reported by XXXX XXXX XXXX XXXX to EXPERIAN. I was notified on XX/XX/2019 by Experian that the item was deleted from my credit report. On XX/XX/2019 the same account got reinserted into my credit report without notifying me within 5 buisness days.
Consumer complaint received 2023-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

XXXX XXXX, an XXXX XXXX, cold knocked on our door selling premium solar panels and installation in Virginia. They indicated they had a relationship with a financial institution, Dividend, which was providing a significantly lower APR than any other institution for the project. We we able to get " pre-approved '' for the loan the day the XXXX company representative was here, however, the " pre-approval '' was actually the loan application. Following the loan application, XXXX was paid following the initial installation of the panels, not completion of the project -- which would require a working system. The loan amount was {$97000.00}. This was paid directly from Dividend to XXXX. During a call with an XXXX representative in XXXX XXXX  it was disclosed that XXXX had direct access to my loan information from Dividend through a " portal ''. In the same month I contacted Dividend and inquired as to why they would pay the contractor prior to the completion of the project as this has now placed the consumer in a bad position of the contractor having no incentive to complete the project and they stated that their position is to pay the XXXX " upon installation of the solar panels. '' This payment then initiates the loan repayment process upon which the consumer has 60 days to begin payment on the loan. Our panels were installed in early XX/XX/2023 and our loan is due XX/XX/2023 and we do not have a working solar system because the contractor has not yet completed the project. This does not make any sense and it seems to the outside eye that Dividend and XXXX may be colluding to create an untenable situation for consumers.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an XXXX Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming. Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. ( XX/XX/XXXX - XX/XX/XXXX) ( XX/XX/XXXX - XX/XX/XXXX) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-16
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. (AZ)

Equifax, and XXXX have continuously violated the FCRA laws by reporting inaccurate, incomplete and unverified information on my credit report. This has resulted in adverse action against me from creditors. 

I have disputed their information since XXXX with proof and copies of my credit report with discrepancies noted.
Consumer complaint received 2022-10-16
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: FIRST NATIONAL BANK OF OMAHA (NC)

On XX/XX/2022 I requested a pre-qualification that was not supposed to affect my credit. When I later checked my XXXX report, I saw an inquiry. There was supposed to be no inquiry per their website.
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I requested a pre-qualification that was not supposed to affect my credit. When I later checked my Experian report, I saw an inquiry. There was supposed to be no inquiry per their website.
Consumer complaint received 2022-03-22
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)

On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX