davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (TX)

I sent your company a letter for an investigation over 30 days ago and still have not got a response on investigation neither a XXXX letter status updated pursuant 15 usc 1681 . If the account has been verified, please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in XXXX days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be re-moved. Supply your response within 15 days or delete the trade-lines. I know your company loves to back date letters to make it seem like you have already sent me these notification, but i want to make you well aware I have an account with XXXX that scans all of my mail & lets me know when mail is coming. I will not hesitate to use this in court. I have done it before and don't have a problem with doing it again. 
I have well enough information to file suit if this is not deleted immediately Account : XXXX XXXX XXXX Account # : XXXX Thank you.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (CA)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America because so many unknown charges and every time I put money in my account I would have to immediately transfer it or Bank of America would just charge me and take money from my account with no explanation and every time I called and they just said it was my fault it was my fault and so today I had {$25.00} in my account which I transferred out into my XXXX not even an hour later I check my Boa account and its {$30.00} in the negative?? Mind you I purchased nothing at any point in time all I did was a transfer for several hours I couldnt get a hold of anybody and when I did I was explain that these charges keep happening and I received about XXXX minutes of silence on my phone and was told word for word I didnt even know how to do any of this and XXXX seconds later I was hung up on, aside from the fact Im already beyond frustrated that just XXXX  me in the chest Im not asking much but to be respected and listened to and at least know that the people Im calling for help know how to do there job I still havent gotten a hold my money is being taken till this day and nobody is helping me and I have no idea how to get in contact with Bank of America
Consumer complaint received 2022-07-07
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2022-07-07
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. (CA)

I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00}
Consumer complaint received 2022-12-03
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS 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 items 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 items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (IL)

My identity was stolen over a year ago and cash app denied my disputes. I was told they should have refunded my money because its a violation of my consumer rights, they provided a documents that showed no evidence and closed my case and said no refund.
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I submitted the fraud paperwork to the company and already submitted the info and paid this debt. They said they would remove it off my credit while I am still going through the process to do the fraud complaint. It is still showing on my credit reports. The first complaint was already submitted through your company
Consumer complaint received 2022-12-03
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MI)

I had a debt of {$310.00} to an appartment complex due to a randomly assigned roommate smoking in the apartment and me being charged with a smoking fee. I refused to pay because it was not legitimate but fast forward a couple years and now I am looking to buy a house. According to my lender, simply paying the debt would not raise my credit score but having it removed from all 3 major beauros would raise my scores significantly. I explained this to the representative with whom I talked about payment of the debt. I agreed to pay on the condition the debt was removed from all 3 major beauros. I checked their website for a confirmation and the letter only showed the debt as being paid off, not removed. I called back and they claimed that they can not put the removal in writing as it is against their policy for some reason. When I asked for copies of the phone recordings in order to see if they mentioned this before the transaction they refused to send copies. So now I have no proof other than their word that they actually removed the debt like they claim to have done and am forced to wait 60 days which means I could miss out on an opportunity to buy a home before I have to re sign my apartment lease ( different apartments than the one that charged the smoking fee ).
Consumer complaint received 2022-07-07
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. (CA)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-07
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. (CA)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NV)

I have been unable to transfer my money in my Venmo account or use them with my Venmo debit card nothing for a month now which the money has been in my Venmo account since XX/XX/2023. Then last month Venmo suspended my account for whatever reason and requested that I submit my driver 's license and a selfie holding my driver 's license to verify my identity which I immediately did that. A few days later they sent me an email saying that they successfully verified my identity and told me to change my password and my account was unsuspended. But ever since I have not been able to transfer my money from my business account to my personal account which are both linked anyway, unable to use my money with my venmo debit card, unable to transfer instantly to a credit/debit card and unable to transfer either instantly or manually to a bank account. Which I have contacted Venmo regarding this SEVERAL TIMES via email, chat and phone but to no avail no solution no nothing still unable to transfer my money or do anything.
Consumer complaint received 2019-08-02
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. (HI)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  account number XXXX. ( Please see page 7 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

I am XXXX and have worked hard to not have a Mortgage payment paid late in over 3 years.I plan on buying soon. XXXX XXXX XXXX and US Bank refuse to redeposit an ACH which was returned in error due to a stop payment placed months ago on another payment and they referenced it.

On XX/XX/XXXX I had to put a stop payment on a ACH payment with XXXX XXXX XXXX for a US Bank Home Mortgage Payment, as it was for the wrong amount. We submitted another payment right after that with US Bank Home Mortgage during the same month for a different amount for that XX/XX/XXXX payment. It went through fine.

On XX/XX/XXXX we put through another mortgage payment for the Mortgage with US Bank, it went through my personal account fine. This morning XX/XX/XXXX it was withdrawn from my account the mortgage wasn't paid. There was money to cover it in the account.This will result in a 30 day late on my good credit.

Bank of America puts a permanent hold when you stop payment to that company an it was for that amount -the same as the original stop payment -- so you are in trouble as its the same amount and as it will be returned into the future until you remove it.

I called both companies spoke to XXXX ( who took the hold off ) then to a supervisor XXXX with US Bank on the line with me. US Bank asked XXXX XXXX XXXX to put the ACH threw again so it would not hurt my credit. But they refused to do it. The hold times with XXXX XXXX XXXX for people who work are unbelievable.45 minutes to 1 hour where is someone needs to reach them they can not if they work or have their own business.

I have paid my Mortgage each month for over 3 years and this was out of my control as XXXX XXXX XXXX returned the Mortgage due to the last Stop payment on the ACH and US Bank will not put it through again nor will XXXX XXXX XXXX. The reason is they like the fees with customers who have damaged credit as every loan they supply is at a higher interest rate. I need this corrected and they refuse to discuss it I have called 3x to each entity.
Consumer complaint received 2022-12-03
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (CA)

This complaint is about the unverified negative accounts and identity theft cases placed in my credit report. Please help me look into this because the bureaus wont act on them despite the numerous times that i have written them. Please see attached files for these accounts.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LOBEL FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX I am writing to dispute and bring to your attention an issue regarding the unauthorized disclosure of my Nonpublic Personal Information, as protected under 15 U.S.C. 6802.

I recently became aware that my personal information, which is supposed to be held in strict confidence by your institution, has been disclosed without my consent. The nature of the disclosure raises concerns about the privacy and security of my financial information. 


The details of the unauthorized disclosure are as follows : ( LOBEL FINANCIAL ) XXXX XXXX XXXX, XXXX CA XXXX Im again requesting that your institution conducts a thorough investigation into this matter and takes appropriate actions to rectify the situation because under the 15 U.S. Code 6802 section b, it states, a financial institution may not disclose non public personal information to such financial institution or any nonaffiliated third party unless, ( a ) Such financial institution clearly and conspicuously discloses to the Consumer, in writing or in electronic form or other form permitted by the regulations prescribe under section 6804 of this title, that such information may be disclosed to such third party. 

( b ) The consumer is given the opportunity, before the time that such information is initially disclosed to institution and such parties ; and ( c ) The consumer is given and explanation of how the consumer can exercise that nondisclosure option. 





I am also requesting that you provide me with a written response detailing the findings of your investigation and the steps taken to address the situation. Additionally, I would appreciate information on how your institution plans to enhance its safeguards to ensure the privacy and security of my Nonpublic Personal Information.

Again, Ive carefully reviewed my consumer report and identified the above-mentioned accounts as Nonpublic Personal Information. the information provided in relation to those accounts are erroneous. 

I appreciate your prompt attention to this matter and expect a fair resolution. I trust that consumer reporting agency will take appropriate action to delete the erroneous entry from my consumer report.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I applied for credit on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX and was denied. I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, stating that I was denied credit due to low credit score of XXXX and they based their dictions on information gathered from TransUnion XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX. Ph # XXXX XXXX XXXX. My score is XXXX and I just purchased a new home.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (TX)

XXXX. Point : Garnishing federal benefits should stop and be refunded. 
XXXX. Suggested outcome -- Pay me restitution of XXXX for benefit garnishment and administrative fee XXXX for use of address and SS number. 
XXXX. Statement of Facts : XXXX XXXX XXXX - Request and writ for garnishment date of issue XX/XX/2022, is not a copy of the original. 

XXXX XXXX XXXX - Request and writ for garnishment date was not ( wrong address ) received by me in XXXX. 

XXXX XXXX : XXXX Compensation is direct deposited into XXXX XXXX and a percentage as needed is transferred to XXXX XXXX  opened in XXXX. 

XXXX XXXX 's XXXX program provides both community service and work-based training. To participate, you must be : XXXX or older ; have an income not more than 125 % of the established federal poverty guidelines. Federal funds are direct deposited into XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XX/XX/202XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$410.00} XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  - {$15.00} XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13.00} xxxx Closed!!
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (OH)

On XX/XX/XXXX my avant card was charged XXXX. I did not authorize this charge. I have tried to call the company and have been on hold for up XXXX hours.
Consumer complaint received 2022-07-07
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: HYUNDAI CAPITAL AMERICA (ME)

I paid off my loan in full on XX/XX/2021. I called after XXXX days to ask where my title was, and was told it would arrive in XXXX days. 

A month passed and I called again and was told " the account wasn't closed correctly '' and my title would arrive in XXXX days. 

Every single month since then I have called when I receive a statement in the mail and am told the EXACT SAME THING. 

I tried contacting the title department and was told they don't handle those requests and was transferred to XXXX ( my car wasn't leased ) who then transferred me back to customer service who said my title would arrive in XXXX days. 

Now, almost XXXX  months after paying off my car, I still do not have my title!