davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I have previously written to the CFPB regarding this same issue which has yet to be resolved. The case number is XXXX. SunTrust closed my account and is holding onto {$12000.00} of my money and said on the phone today that they could hold these funds indefinitely which most certainly is illegal. I want my money sent to me via a check ASAP and if the CFPB could follow up further on this this second time around that Im complaining that would be great.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I appreciate your attention to the removal of certain fraudulent entries from my file stemming from an alleged identity theft. However, there remain items that require attention. Upon reviewing my updated personal credit reports, I observed that an inquiry and inaccurate information persist on my profile. I have contacted the relevant company regarding the aforementioned inquiry and requested its removal from my credit profile. Previously, I had requested that you conduct an investigation into the inquiry on my credit report to ascertain its authorization. And I know your investigation is concluded, and it corroborates my assertion, kindly expunge this lingering inquiry and inaccurate data. Additionally, please furnish me with updated copies of my credit reports devoid of these remaining items. Details of the disputed items are as follows : EXPERIAN : 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. It is imperative to note that the disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates ( 1 ) suitable proof of consumer identity, ( 2 ) an identity theft report copy, ( 3 ) consumer identification of the disputed information, and ( 4 ) a statement attesting that said information does not pertain to any transactions by the consumer.
Consumer complaint received 2024-02-12
Product: Credit reporting 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-12-01
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. (WI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 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, 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 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 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I changed banks to Wells Fargo. The bank was closed XX/XX/21 due to a holiday. My payroll check was submitted through mobile banking. I spoke with a bank representative which advised the funds would be available today. I called as I later received an email which stated there was a hold placed on my payroll check. They will not return my check, stop the processing or release the hold. I had to cancel my online mortgage payments. Now I am looking at additional fees and late charges. I understand placing a hold but a payroll check can be verified and verification does not take that long. I have now spoken to 3 representatives which just reads the same script to me.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : XXXX, Nelnet XXXX XXXX XXXX XXXX XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and I am hoping that these accounts will be corrected. 

XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2021-02-17
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: CITIBANK, N.A. (TN)

On XX/XX/2020, I sent Citi Bank a dispute letter ( see attachment ), attached is the tracking status showing that they received it on XX/XX/2020. Which they never responded back to that letter within 30 days. Which is a violation of Federal Law. Attached is a copy of my XXXX  and XXXX credit report dated XX/XX/2020, which shows that Citi Bank is reporting the account as charge off account and balance of {$910.00}. The address I sent the disputed letter to is the address on the XXXX  credit report for that account. Citi Bank received my disputed letter on XX/XX/2020 ( see attachment ). They violated the Federal Law because they were required by law to notify the credit bureaus within 30 days and add a statement to my credit report within 30 days that says I have disputed the above item in question, attached you will find a copy of my XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX credit reports dated XX/XX/2020 ( 31 days after Citi received my disputed letter ). Which shows that Citi Bank violated the law when they didnt put the statement on my credit report that I disputed the account with Citi Bank on my credit report within 30 days. I am requesting the help of CFPB to hold Citi Bank accountable for violating Federal Law and have them delete the item in question from all three of my credit report because they failed to follow the Federal Law or I will proceed with a lawsuit in Federal court.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have escort account with the company to pay my property tax. The company didnt pay my XXXX XXXX property tax. I called them early XX/XX/XXXX to fix the problem. After this call, I called them three more times in XX/XX/XXXX and try to prevent them missing my XXXX XXXX property tax. Again, they still dont pay my property tax and we already owed property tax for two quarter. Until today, they still cant resolve the problem and they continue collecting my money for escort. If we dont resolve the problem now, I am afraid town might do legal action to my property.
Consumer complaint received 2019-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (SC)

XXXX XXXX/My WU XXXX First of all, I have been transferring funds to my international love ones for over a year! I have transferred {$50.00} - {$900.00} to my fiance, XXXX XXXX and famliy as donations through my nonprofit organization, XXXX XXXX XXXX XXXX XXXX and it bring joy to my heart to support my family who lives in property. 

On Thursday, XX/XX/2019 I was very disappointed with the service I received from Western Union! I attempted to transfer only {$40.00} in which Western Union receives {$4.00} and more times for my business with them and I was told today that my transfer was declined for Fraud Protection! The representative explained the reason because I have not seen them in person! I spoke with a supervisor too and explained to him I that I have been supporting them over a year and he can review my transfer history but he would not honor my request! I couldn't believe this! Western Union can tell me how yo spend my hard earned money! I have the right to spend my money anywhere with anybody! 

Yes, Western Union should call me if they suspect a fraud but they should allow me to agree if it's a fraud. What if this was an emergency? 

This poor customer service! 

XXXX XXXX ( XXXX ) XXXX-XXXX
Consumer complaint received 2017-05-31
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. (VA)

XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was  around 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by removing  it ( onl y they added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please help
Consumer complaint received 2021-04-17
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. (CA)

Experian is reporting I was late 30 days on my vehicle loan for the month of XX/XX/2021. I disputed the error and the late payment still remains. Dispute results state the creditor certified the information was correct. I do not understand how that could be if I was never 30 days late on my payments. 
The account being reported incorrectly is XXXX XXXX. The month I paid off my loan ( XXXX ) is when they reported the alleged late payment.

I tried contacting XXXX XXXX and they can not tell me why it is reporting late and told me my account had no late fees assessed. They did provide me a copy of my payment history which I can provide to you.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I received a call early in the a.m., I never answer, I let them go to voice mail, then if they leave a message of importance, I call back. The message said they were investigating a possible fraudulent charge on my Amazon Card, saying to reach my account I could input the last 4 of my SS number, I did so, half asleep. The call sounded legit. The electronic voice, then said, as I recall, I could input my SS number to reach my account, I think I may have inputted the entire number before I awoke and got suspicious. I then called Amazon, or the bank that is on the card. They said I was all paid up and no new charges ... .so folks I'm concerned I was unfortunately had by scammers, but fortunately I didn't send money or pay out on some fraudulent claim. 

Thanks for your help ...
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AL)

I have been trying to contact Convergent outsourcing collection agency for two month total to settle a debt. I have sent them 3 letters, two of a settlement for the debt and another For a verification of the debt. I have also submitted an online contact form ( the only way to email them ) and never gotten a response until yesterday ( XX/XX/2020 ) via phone. I tried contacting them to return the missed phone call and the phone Just rung for the operator. On XX/XX/2020 I finally was able to speak with a representative to pay the debt although I received no verification of my ownership after a written request. I paid to settle the debt on XX/XX/2020 and was told that I could not have a receipt emailed to me. I got no receipt for my payment. I am very displeased with the lack of response from this collection agency and because of that it took two unnecessary months to settle this un verified debt. I have certified mail receipts and copies of all letters that I will gather for further investigation
Consumer complaint received 2021-04-17
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: NAVY FEDERAL CREDIT UNION (TX)

I sent this company a police report and they are still reporting this fraudulent account on my credit report that doesnt belong to me. This needs to be deleted from my credit. Please show validation of debt, and show proof of contract, who was there to witness this contract being signed? This account is not valid and identity theft. This is defamation of character. I will pursue charges of {$150000.00} for defamation of character and negligence.
Consumer complaint received 2021-02-17
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. (FL)

These inquiries were added to my credit report and I do not know who they are to even be checking my credit reports. I have called previously and nothing haven't been removed. I was told they were having a inquiry issue. 

XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX date : XX/XX/2020 Inquiry date : XX/XX/2020 XXXX  Inquiry date : XX/XX/2020 XXXX
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I need immediate attention on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response and its been well over 30 days. This is absolutely unacceptable Ive been through enough hardship especially through this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

I am submitting a follow-up complaint today to apprise you of my ongoing issue as a victim of identity theft. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report # XXXX. Enclosed, please find the attached documents aimed at facilitating the removal of erroneous information and fraudulent inquiries currently appearing on my report. Below is a list of items that either do not pertain to me or were opened without my consent : -- -- -- -- -- -EXPERIAN 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 XXXXXX/XX/year>. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items in the file of a consumer identified as stemming from an alleged identity theft within four business days of receipt.
Consumer complaint received 2021-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This company told me that they would delete these two fraudulent credit card accounts from my credit report, one business and one personal, from Capital One bank. I sent this company the police report which confirmed identity theft multiple times and they still are reported these account on my XXXX credit file. This is defamation of my character and a violation of my rights. These two fraudulent accounts, and the four credit inquiries from Capital one and capital one auto finance need to be deleted from my XXXX credit report for fraud.
Consumer complaint received 2021-04-17
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: CREDIT ACCEPTANCE CORPORATION (CA)

XXXX is reporting I was late 30 days on my vehicle loan for the month of XX/XX/2021. I disputed the error and the late payment still remains. Dispute results state the creditor certified the information was correct. I do not understand how that could be if I was never 30 days late on my payments. 

The account being reported incorrectly is Credit Acceptance. The month I paid off my loan ( XX/XX/2021 ) is when they reported the alleged late payment.

I tried contacting Credit Acceptance and they can not tell me why it is reporting late and told me my account had no late fees assessed. They did provide me a copy of my payment history which I can provide to you.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX