davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (FL)

I am a XXXX XXXX XXXX XXXX in XXXX, Florida. I submitted myself and my information for a background check to First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX. 

The background check was completed and a report from First Advantage was delivered to me on or about XX/XX/XXXX. 

The report, which was also provided to the XXXX XXXX XXXX XXXX, Acct # XXXX, included information alleging that I had been placed on probation in XXXX County for a one year period for a crime committed in XX/XX/XXXX. If the Company, First Advantage, had looked further into the charge and the alleged date of commission, they would have discovered that I was still in Elementary school at the time and this charge could not practically belong to me. I am embarrassed and humiliated that further questioning of me or research into the information was not completed by First Advantage. The negligence in handling the background check under these circumstances is inexcusable. A False report has now been provided about me. I have contact the agency where the charge was allegedly filed ( XXXX County State Attorneys Office ) XXXX XXXX, FL and have been advised that no charges exist under my name. 

I want the Consumer Financial Protection Bureau to investigate the error in reporting by First Advantage and I want Agency to be reprimanded for their negligence in handling this case. The Agency MUST send immediately a corrected report and an apology to the XXXX XXXX XXXX XXXX for causing me this harm. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-11
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. (MD)

I XXXX XXXX have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the account numbers XXXXXXXX XXXXXXXX and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediatelyXXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-03-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX, Equifax, and XXXX have reported a 30-day late payment from XXXX XXXX XXXX XX/XX/XXXX I have previously disputed. I reached out to XXXX XXXX on this matter and they told me it was paid 3 days within the statement date and should not be reporting as late on my consumer report. I sent a letter via mail on XX/XX/XXXX asking to mark it as OK on my consumer report. I received a late response from Equifax and XXXX via mail explaining the account has been verified. In return caused my credit score to drop dramatically affecting my livelihood. XXXX never sent any mail. I sent out a 2nd round of letters on XX/XX/XXXX asking how they verified the account, I dont agree with the results of your investigation. Please mail me proof of your investigation or remove the negative information. Equifax and XXXX sent a letter back saying " THIS ACCOUNT HAS BEEN UPDATED ''. XXXX didn't send a letter. I would like my XXXX points to get put back on my credit score from the dispute and the late payment marked as OK. It has been brought to my attention several violations according to 15 us 1681s, 15 us 1681a, 15 us 1681a-2 a few among others.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (IN)

A checking account was opened with Truist, and direct deposit was set up. After the first direct deposit was deposited, the account and access to funds were locked. The reason given was the fraud department did not like the IP address compared to the home address. Truist then demanded an in person verification of the account owner, despite being hours away from a local branch. Truist kept any phone calls on hold for hours, and would refer me to branch managers who would then never respond or follow-up again. 

I reached out via email and phone to multiple branches and customer support lines without a resolution to the issue. 

Overall the problem was locked funds based on an issue that was detected before the funds were even first deposited, and required unreasonable action from the consumer.
Consumer complaint received 2017-11-08
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: Experian Information Solutions Inc. (VA)

Since XXXX when I submitted a complaint against Experian, my credit score has decreased by 102 points. 
I noticed in their summary of report that my number of late payments has increased from 1 to 2.
my years of credit history has decreased from 37 to 12 and other factors have decreased to a credit score of XXXX ( XXXX XXXX. 
This all occurred within a XXXX period in nonconformance with the normal XXXX update period. 

Since XXXX I have paid credit repair bureaus and have expended my own time to do everything possible to increase my credit score.
My current credit score is near the same or WORSE since my time and investment of six months ... all resulting from a complaint I submitted against Experian.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For more than 21 days I have had significant reduction in all of my credit card accounts which include credit cards with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. As a result my credit score with XXXX has gone from fair ( XXXX score ) to very good ( XXXX score ) and still even after making several disputes with XXXX and Transunion in regards to my current credit card balance reductions they have not updated my credit score and are making it incredibly difficult to get into an apartment. I feel XXXX and Transunion are being particularly almost deliberately slow to properly update my score to fairly reflect my credit worthiness. XXXX has been thoughtful and fair in adjusting my credit score with their agency in a timely manner as the other two ( XXXX and Transunion ) have been not even after filing several disputes with each of them. Please help me to resolve this as they evidently could care less how their inactions are unfairly effecting me. Thank you for your assistance and support.
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo bank decided, on their own, to convert our Simple Business Checking account to a Federal Agency Account. This happened on XX/XX/2018. We noticed this change with the following month 's statement. We called Wells Fargo and verified that we were not a government agency and confirmed with Wells Fargo that we were not eligible for this type of account. They stated that they would switch it back, but it may not show up on the statements until a month later. We waited two months and it still hasn't changed. On XX/XX/2018, we went to a Wells Fargo Branch, they claimed that they could change the account but as of XX/XX/2018 this hasn't been corrected.
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I sent a certified letter to the company on XX/XX/2019 asking Midland Funding to please validate this debt they are reporting on my credit report. They received Monday, XX/XX/2019 at XXXX XXXX. I have not heard back from Midland Funding in regards to this debt which remains on my credit consumer report, in which they are attempting to collect for.
Consumer complaint received 2022-07-12
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. (VA)

Please be advised that XXXX XXXX XXXX  ACCT # XXXX or ACCT # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2017 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also, this account is showing 2 different kinds of account number based on the credit report. Acct # XXXX and XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Lvnv funding is trying to collect money from me and they not license to collect money in my state because in XXXX you require to have a license when i check the ( XXXX ) XXXX XXXX XXXX XXXX they dont have a active license and when I check with my state attorney generals office they require to have a license they also have a next agency emailing me everyday about this same debt they also not license to collect in my state go by the name XXXX XXXX XXXX
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

Report states last payment XX/XX/2017 which is incorrect. Balance is incorrect. Payment history is incorrect. Due to medical issue a deferment was approved to avoid late payments. However late payments were still reported.
Consumer complaint received 2018-11-10
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: JH Portfolio Debt Equities, LLC (NJ)

on XXXX XXXX i received a dept collection letter from credit XXXX XXXX. trying to collect on a student loan in the amount {$36000.00} loan dated XX/XX/XXXX.I never cosign nor did my daughter take out this loan. 
on XX/XX/XXXX i sent XXXX XXXX a letter explaining to them its fraudulent loan i already reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to consumer finance bureau for trying to collect on the same fraudulent loan dated XX/XX/XXXX. 
I also sent XXXX XXXX XXXX a dept validation letter asking for more information on the loan. credit control didn't respond to my requested information. 
XXXX  XXXX did however sent me a copy of the same application promissory note i received from XXXX XXXX   XXXX  which does me no good. 
the creditor, XXXX XXXX & XXXX is trying to collect for is bankrupt. 
XXXX XXXX XXXX whom i also reported consumer financial protection bureau
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Reporting Act, XXXX account # 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 an account without my written instructions.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

PHOENIX FINANCIAL SERV Has failed to provide me with original documentation of debt. I have asked them to show me proof to verify the debt and there resolution to this was to automatically report me to the credit bureau. 

This debt is not valid and I can not confirm it is mine without any proof.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

My student loans with Navient were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX  and XXXX XXXX in XX/XX/2007.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2018, I submitted credit report disputes to all three credit bureaus : XXXX, XXXX, Transunion, which were received on XX/XX/2018through certified mail. 
I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors. 
I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home. 

I received letters onXX/XX/2018 from XXXX and Transunion. 
I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word. 
In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED. 
All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports. 
These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit reports.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Since XX/XX/2022 Venmo has frozen my account without notice after an error occurred within the app when I tried to add a new bank account ( the error was on their end, not mine, and I assume it has something to do with the API they have with XXXX  ). The total amount they are currently withholding from me is {$740.00} and will not let me take the money out of their app/account. I have tried contacting their customer service department multiple times and they tell me there is nothing they can do. Per their website, I should have received an email to work with a representative to get my account unfrozen. I never received an email and it is still frozen due to an error on their end. I called PayPal to figure out what is going on and they told me my best option is to file a formal complaint here. At this point, I want nothing to do with Venmo and would like to get my money out of it and close my account for good. This app was how my partner and I would split bills, and we really struggled to pay our mortgage this month because such a large amount of my money was withheld from me. Luckily, we are fortunate enough to have people in our lives that were willing to help, but imagine if we didn't. I am hoping that by making this complaint I will prevent someone less fortunate landing in this same situation. The last person I spoke to at Venmo said it could take up to three weeks to get an email ( after the first person I spoke to said it would take 6-7 days ). I don't know what else to do, this is my last resort.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a 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.
Consumer complaint received 2018-11-08
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. (NC)

I have disputed the late payments on XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX account with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (CA)

We leased a new vehicle from XXXX XXXX  XXXX through american honda finance on XX/XX/XXXX. We turned back in our previous XXXX XXXX for a new one. The dealer advised that the excess mileage fee would be waived if we leased another vehicle. I looked at the account on line and saw a charge in the amount of {$440.00} which was comprised of {$410.00} for excess miles and an additional {$29.00} for the taxes on that mileage fee. We called XXXX on XX/XX/XXXX to discuss and they advised it was due and would not be waived. We advised we have purchased many vehicles through them and also that the dealer advised it would be waived based upon our new lease. We were placed on hold then advised by the rep that we did qualify for a waiver of half the fee due to our new purchase. If so why were we billed for the full amount? I would like the balance of the fee to be waived based upon what we were advised by the dealer as well as our continued relationship with purchasing through XXXX.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

On XX/XX/2018, I submitted credit report disputes to all three credit bureaus : XXXX, Equifax, XXXX, which were received on XX/XX/2018through certified mail.

I specifically stated in writing that the accounts listed on my report were NOT VERIFIED accounts by the creditors. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACTS that I signed with said creditors.

I have NOT been sent any information by any of the creditors submitted that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home.

I received letters on XX/XX/2018 from Equifax, and XXXX.

I WAS NOT provided the information I requested, providing PROOF that the accounts belong to me. 
Which STILL leaves the accounts UNVERIFIED. As it pertains to the definition of the word.

In my letter it clearly states my rights under FCRA Section 609 a. The right to request PROOF of all accounts UNVERIFIED.

All I received was the same report, with verbage that stated that the accounts belong to me. This is unethical and illegal to not only keep accounts on my reports, but to continually state that these accounts belong to me WITHOUT PROOF of contract. Along with this, many misspellings of my name, attached to the Reports.

These companies are accepting merely, WORDS with no PROOF from companies they receive money from in order to place these accounts on my credit reports.