davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX ; XXXX and Transunion are incorrectly reporting the XXXX account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Consumer complaint received 2019-07-11
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. (FL)

XX/XX/2019, I mailed a letter to the United States Bankruptcy Court XXXX District of Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... ..

The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to XXXX XXXX, XXXX and XXXX. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy Court XXXX District of Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from XXXX, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records XXXX   obtained is from local, state and federal courts through a third party vendor, XXXX. I find XXXX explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Sent me a bill for interest after having paid off the balance of my credit card. They do not give an actual payoff balance when you call in. They give you a minimum due, a last statement balance, and a current balance as payment options. Apparently the current balance option is not actually the current balance because they are not including the interest for the previous billing cycle.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian refuses to remove a student loan balance from my credit report. 

My federal student loans were being serviced by XXXX. On XX/XX/2022, the balance of my federal student loans with XXXX was paid off when it was transferred to XXXX for consideration under the XXXX waiver. There were XXXX separate amounts : XXXX, XXXX and XXXX, for a total of XXXX, XXXX. ( The loans were subsequently forgiven under the XXXX program. ) These loans still show as owed to XXXX on my Experian credit report. I filed a dispute, but today they responded that the balance remains ; they will not remove it. I was instructed to take it up with the lender. I confirmed with XXXX that my balance is {$0.00}, but Experian won't take action other than to say I should take it up with XXXX or file a new dispute after 30 days..
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (MI)

My daughter purchased a vehicle through GM Financial in XXXX on her own and it was repo. in XXXX. 
Her vehicle us showing up on my credit reoort within my bankruptcy and I never had an account with GM Financial. 
They fraudulently repo. car with up to date payments on it, and refused to give her the car back. 
None the less it was my daughter car not mine. 
GM Financial also resold the car for what was owed, and they keep popping up on my daughter credit, she keep having them remove it.
Consumer complaint received 2017-05-31
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. (RI)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX /   16  This inquiry was performed under false pretenses as described in the clear language of th e law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC ()

On XX/XX/2021, I made a deposit of XXXX AUD to Gemini Trust company. Due to Geminis wire processing restriction, the funds were held as the sender 's name was my bank 's name instead of my name. 

After communication with Gemini Trust company, they promised to initiate the funds returning transfer on XX/XX/2021. However, on XX/XX/2021, I received a reply email from Gemini Trust Company saying they are still working to investigate this issue. 

The funds returning process should be very straightforward since they already got all my details. For some reason, the funds have been held by Gemini Trust Company for nearly TWO MONTHS.

I hope Gemini Trust Company are holding these funds without any self-beneficial purposes as I wish they can grow like other company in the same industry.
Consumer complaint received 2019-07-11
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. (FL)

XX/XX/2019, I mailed a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... ..

The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to XXXX XXXX, XXXX  and Transunion. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy XXXX XXXX XXXX XXXX Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from XXXX, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records XXXX obtained is from local, state and federal courts through a third party vendor, XXXX. I find XXXX  explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.
Consumer complaint received 2019-10-10
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. (TX)

I have been trying to have a fraudulent inquiry removed from my Equifax report since XXXX. I have contacted both Equifax and XXXX XXXX XXXX XXXX XXXX about having this removed, and they both blame each other for it being there. I have the document sent to XXXX XXXX XXXX XXXX XXXX, and the listed times I contacted Equifax.
Consumer complaint received 2023-02-10
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. (GA)

I am expanding my business and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2016-07-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coastline Financial Resources, LLC (KS)

Company 's name is Coastline & Associates LLC ... called my husband at his job ( XXXX XXXX, 2016 ) and left a message for him to call and speak to XXXX XXXX about a supposed old debt to XXXX XXXX XXXX in the amount of {$1500.00} ... threatened husband with the law, etc ... we do n't recall this debt at all, but said well maybe it was one from a time over 8 years when it was rough. So my husband called the guy next day arranged for payment agreement and he also asked for it in writing. We got the letter today, XXXX XXXX, 2016 and the letter is a photocopy, no real signature and is asking for the payment only in form of a debit/credit card ... we had something similar happen few years back so this alerted me. Researched them online and have found nothing to show they are legitimate or that what they are doing is real and not a scam.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (FL)

Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX  In case of questions please contact me directly )
Consumer complaint received 2023-02-10
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: CAINE & WEINER COMPANY, INC. (FL)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-05-04
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The company is named XXXX XXXX, There two account with them. The first account show 120 days late with no payment history which was paid in full. I spoke to them about the account and told them that I paid it off. The person that was handling the account at the time post my payments to the wrong account and did not never fix it on the credit report. The company had a greed to remove it but never. The district Manager prior to leaving the company had agreed to fix it but left before completing it. 

The other account was agreed in the amount of XXXX to pay the account in full and then declined after a new district manager took over. I contact the company about the problem they ended up taken the payment after going back and forth about it but then reported 30 days late which now is effecting the lost of XXXX dollars point purchase towards a new home for my family.This has dropped my credit score down by 95 points which makes my mortgage lender to back out of the purchase with a lost on money for me. 

This is not fair in keeping the integrity of the companies word to the customer. I have disputed this item several time and it remains unchanged with a letter for request of removal from the the company.
Consumer complaint received 2024-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company (GA)

I paid off my mortgage in full on XX/XX/2024 and I am now being told since I did not follow Freedom Mortgages rules which they state is to make the final payment via a wire transfer only the {$35000.00} payment I made was not applied to my account AND I would be charged interest each day which is essentially Grand Theft.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My name is XXXX I trying since XXXX months now and tired for capital one frauds identity theft transaction At least XXXX plus frauds transaction plus XXXX XXXX transaction in the night time and over night transfer XXXX to XXXX unknown XXXX XXXX Capital one dont accept fraud plus they say we r refunded first than my account block plus I call again they refuse to pay me back Fraud transaction and XXXX XXXX 
I have a police report already They also deny for police report to pay me back for fraud Conduct all transaction made on capital one bank. 
I am report to consumer fraud to help me pay back fraud transaction iam not taking legal action against capital one bank but if my money not refunded as fraud transaction is not mine illl be reported t o capital one they deny Resolve my matter as quick already late XXXX
Consumer complaint received 2024-05-31
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 (MO)

My XXXX was acting up, so I had some of my friends pay me on Venmo. My balance went to {$3000.00} in a couple of days from these payments, I did not withdraw my money right away and Venmo suspended my for " Violating their terms '' I don't believe I violated any terms. But that's besides the point. 
They locked {$3000.00} of MY MONEY inside of the account, and it's not able to be transferred out, so they essentially stole my money. 
I have read online that PayPal/Venmo does this to a LOT of their customers. Steals their money inside of the account. 
They said within 180 days they would make a decision to give me my money or keep it. This is not fair.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (CA)

ATTENTION : Consumer Financial Protection Bureau XX/XX/2021 Re : Direct Express Claim # XXXX This email and the attached documents are in regards to the above mentioned claim, As you will no doubt see the Fraud Services Dept. Fraud Investigations Team in charge of stolen cards has acted abysmally. To simplify from here on I will refer to them as the fraud dept. The fraud dept. in an email sent to me on the XXXX of XX/XX/2021 stated that the info contained in the email was what the fraud dept. relied on in making their determination said determination being to deny the return of my stolen money. I have attempted in several ways to contact the fraud dept. some of which are evident in the paperwork Im attaching. Faxing and email are out of the question as you will see if you attempt to fax or email the fraud dept. even though the fraud dept. requested a police report from XXXX the DAs office handles such crimes, so thats where I filed the report as per case # XXXX. I am attaching all the information I have and sending it to you in hopes that you will intervene or at least be aware of this companies terrible way of dealing with my situation which has now become dire in respect to my financial status. The fraud dept. says there was a conflict between my info and theirs however as of today I still dont know what the fraud dept. is saying was a conflict as I have never received any paperwork explaining what said conflict is unless fraud dept. is referring to the aforementioned email which I am attaching as received ( page XXXX is as received ) .. I am hopeful that you will be able to reach the fraud dept. and resolve this before I am financially ruined. My explanation of what occurred on XX/XX/2021 is attached first in the attachments. Thank you.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOPENED A FRAUDELENT XXXX XXXX  CREDIT CARD ACCOUNT ON XXXX XXXX XXXX WITHOUT MY PERMISSION.
I HAVE CALLED THE SPECIALIST FRAUD DIVISION ON THE ABOVE TELEPHONE NUMBER  WHO ADVISED ME TO FILE A REPORT WITH YOU.
NO LETTER WAS SENT AND NO CONSENT WAS TAKEN
Consumer complaint received 2019-03-12
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. (NY)

I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

C AP ONE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  Thi s inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Consumer complaint received 2023-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (NY)

I received funding to bring my loan current under a reinstatement agreement through the Equitable Retention Mortgage Assistance Program and a grant for {$95000.00} from the Homeowner Assistance Fund program, PHH received these payments from these programs on XX/XX/23. I have contacted my servicer weekly to ensure these funds were applied appropriately and they have not done so. As of XX/XX/23, PNC has not applied the funds appropriately. Further, they have threatened foreclosure action. They have been causing me difficulty for years as in not processing my payments correctly which has caused me a great deal of stress. I want something to be done to ensure this does not happen again to myself or to anyone else.
Consumer complaint received 2019-07-11
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. (MO)

XXXX  and Experian are incorrectly reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated,  however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.