davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that XXXX, TransUnion or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # 32016 ( AFCU- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Received : XXXX Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX XXXX XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent:XXXX Received:XXXX Submitted for Investigation:XXXX  Response from XXXX : XXXX - Results : Unchanged Letter # 2 ( XXXX ) - XXXX WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/TU/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent:XXXXXXXX Rcvd XXXX XXXX XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX Rcvd : XXXX NO RESPONSE 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX 0915 4.3 ( XXXX {$1000.00} ) Certified Mail Ending in : XXXX Sent:XXXX Letter # 1 : ( TransUnion ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE Letter # 2 : ( TransUnion ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX
Consumer complaint received 2022-03-14
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. (FL)

Pursuant to 15 U.S. Code 1666b - Timing of payments each person reporting LATE on any of my accounts on my consumer credit reports are in violation! XXXX, XXXX, Equifax, you all have failed to comply with Federal and State Law. All my accounts needs to be updated as PAID ON TIME. Pursuant to 1681 ( a ) ( 4 ) unfair reporting of information before consulting with ME. I have disputed these items at first, and you verified them without consulting with me. They ( XXXX, Equifax, and XXXX do not even have proof that the alleged transaction took XXXX & they we're impartial in their actions because they furnished unverified information based off of one sided information ( from the corporation alone ) and by the way they ( XXXX, Equifax, and XXXX XXXX XXXX XXXX Bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) held a conversation without my knowledge about me & my private business & communicated unverified data that's definitely an infringement on my right to privacy & they weren't there to witness that transaction so the information they have is here say it NOT factual information. 
Pursuant to 1681 a ( d ) ( 2 ) ( a ) ( i ) you are in my personal business and that is a violation.

There should NOT be ANY LATE payments on my account for any reason. This is a demand, I am not asking nor am I telling you to Investigate because it is clear and evident you are not to be trusted. So you listen to me and comply with my demands. You have to correct your errors right now! CFPB or FTC forward my demands to the following persons mentioned, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have violated section 15U.S.C 1666B timing of payments. ALL PERSONS THAT VIOLATED WILL BE ATTACHED.
Consumer complaint received 2018-07-10
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. (LA)

I spoke with XXXX XXXX XXXX and they stated that I have a Perfect payment history with their company and I have no deliquecies. Equifax is reporting my account wrong and refuses to fix the issue
Consumer complaint received 2022-03-14
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)

Pursuant to XXXX XXXX XXXX XXXX - Timing of payments each person reporting LATE on any of my accounts on my consumer credit reports are in violation! XXXX, TransUnion, XXXX, you all have failed to comply with Federal and State Law. All my accounts needs to be updated as PAID ON TIME. Pursuant to 1681 ( a ) ( 4 ) unfair reporting of information before consulting with ME. I have disputed these items at first, and you verified them without consulting with me. They ( XXXX, XXXX, and TransUnion do not even have proof that the alleged transaction took XXXX & they we're impartial in their actions because they furnished unverified information based off of one sided information ( from the corporation alone ) and by the way they ( XXXX, XXXX, and TransUnion XXXX XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank ) held a conversation without my knowledge about me & my private business & communicated unverified data that's definitely an infringement on my right to privacy & they weren't there to witness that transaction so the information they have is here say it NOT factual information.

Pursuant to 1681 a ( d ) ( 2 ) ( a ) ( i ) you are in my personal business and that is a violation.

There should NOT be ANY LATE payments on my account for any reason. This is a demand, I am not asking nor am I telling you to Investigate because it is clear and evident you are not to be trusted. So you listen to me and comply with my demands. You have to correct your errors right now! CFPB or FTC forward my demands to the following persons mentioned, XXXX XXXX Bank, XXXX XXXX Bank, XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX  all have violated section 15U.S.C 1666B timing of payments. ALL PERSONS THAT VIOLATED WILL BE ATTACHED.
Consumer complaint received 2022-01-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, NMLS ID XXXX ) of Apex Mortgage LLC ( NMLS XXXX ) was the lender handling the loan process in selling my parents family home to the buyer. The original offer from the buyer was accepted on XX/XX/XXXX. The contract entered the lenders office for underwriting and approval the last week of XXXX. On XX/XX/XXXX, XXXX  told my realtor, XXXX XXXX of XXXX XXXX, the buyer had the clear to close. However, nothing came of it. After several attempts to contact XXXX who was no longer responding or would tell us he would call us back and not, we had not successfully closed. XXXX, when he decided to respond to XXXX, the buyers realtor, or myself, would provide vague reasons and excuses. This went on for weeks. Some of the information we were given was incorrect and almost a blatant lie. Between XX/XX/XXXX, and XX/XX/XXXX ( when we decided to void the contract legally ), we were told we had the Closing Disclosure and Clear to Close 2 separate times. In-between, it was excuses, lack of communication, and inaccurate information. After doing some research, we, the sellers team, discovered that XXXX is not licensed in Maryland, only Washington D.C. We were not sure how he was originating the loan if he is not licensed. He told my realtor, XXXX, and myself he has completed over 30 transactions in Maryland. 
XXXX  not only cost us time in the housing market but also cost my family close to {$10000.00} dollars due to extra mortgage payments ( XXXX, XXXX, and XXXX ), interest on bills the proceeds the sale of the house was going to cover, and rent for my fathers assisted living ( XXXX ). XXXX consistently sympathized with my family and I and assured us the deal would close tomorrow or On Monday. This man and his company ( he is VP ) are predators and need to be addressed.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX XXXX my XXXX XXXX was deposited into my account it went Immediately on hold.. I called capital One to find out why and they told me that the government have them putting the accounts on hold and that I need to send in some required documents such as my tax returns and my loan application..Which I did ..its been over 3 months and Ive been calling to see whats going on XXXX And I also asked do they have some from the government stating that and do they have some thing in my documents that I signed when I opened my account several years ago saying this was a rule.. They have nothing in writing to give me.. Ive been very patient and they say they have everything they need in order to do they investigation and no time frame
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (GA)

I originally opened an account with XXXX  that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Following up on a previous complaint ( ID : XXXX ), I confirmed that American Express does NOT have a Welcome offer that ever states that the card user must purchase {$5000.00} in 3 months to receive 75,000 points. Screenshots from XX/XX/XXXX & XXXX, XXXX, as well as XX/XX/XXXX all indicate that the user must spend {$4000.00} in 6 months. The only change is the ability to receive 60,000 or 75,000 points. However, I signed up for the original offer to spend {$4000.00} in 6 months to receive 75,000 points. American Express has never provided me physical proof that the Welcome Offer I signed up for was the {$5000.00} in 3 months, as it does not exist and I did not sign up for that. I specifically signed up for the Welcome offer to spend {$4000.00} in 6 months to receive 75,000 points.
Consumer complaint received 2022-03-14
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. (DC)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-22
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. (FL)

I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. Experian refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report XXXX XXXX {$640.00} XXXX XXXX {$150.00} XXXX {$530.00} XXXX {$1200.00} XXXX {$270.00}
Consumer complaint received 2019-08-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I disputed XXXX XXXX XXXX XXXX XXXX. Their investigation results came back as item was deleted on XX/XX/XXXX of 2019. They are refusing to remove it. I have evidence from when I logged onto the Transunion website stating so.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (NJ)

I have tried to call Robinhood and email them. No one answers. I want my account close and my money returned to me. It is confounding, but you can not close your account using their systems and you cant call or get a resolution via email. They ignore you
Consumer complaint received 2021-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received an ACH deposit into my Capital One 360  checking account on XX/XX/21 in the amount of {$10000.00} from the SBA. This money was awarded to me as a grant. Im an XXXX XXXX and Im a professional XXXX XXXX. Im contracted with XXXX XXXX Of XXXX XXXX. My account has been frozen along with all of my funds for absolutely no reason. I was humiliated and treated like some sort of criminal in the local branch, when all I tried to do is make a partial withdraw. Instead I was handed a sticky note saying call this number with no explanation of what was going on. The number was to the fraud department where I was further humiliated after waiting to speak to someone after a two hour wait time. She asked several invasive questions that I answered because at this point its obvious that I had been automatically found guilty and I had to prove my innocence. She advised me if I want to help further my case along, I should send over my tax returns, 1099 and any other documents that I had as proof. I cant understand for the life of me why I would have to provide my bank with any of this when it took an entire year to even get approval for this grant and the SBA required everything with the exception of a pint of blood before being approved. She said several times this is what the government is asking us to do. So I sent over all documents immediately. Still nothing and they emailed me saying that my account was frozen and if I have any questions call this number. The number provided in the email doesnt accept incoming calls. This is unfair and Im sure in some way illegal practices. I am a U.S citizen and a hard working one at that. How is this right? Ive been out of work for over a year due to Covid and they can just freeze my account with everything in it without a explanation or cause. This is pass insane and I want justice and Capital One to be held accountable for these unfair practices.
Consumer complaint received 2022-01-22
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 — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (NV)

BMW continues to report inaccurate information on my credit report. 

After multiple attempts to correct the erroneous credit reporting with them directly, they continue to ignore my requests. 

The information that should be reported is the following : -Postponed payment ( no status ) for XXXX, XXXX, XXXX, XX/XX/XXXX ( due to a natural disaster - COVID19 Pandemic ) -On time payments XX/XX/XXXX through XX/XX/XXXX when the lease balance was paid off. 

This information was being previously reported accurately to the credit bureaus ( I am enclosing proof as an attachment ). However when the balance owed was paid off on XX/XX/XXXX, BMW decided to break the law and report inaccurate information on my credit report by deleting/modifying the information that I described earlier.
Consumer complaint received 2022-03-14
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. (DC)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VT)

I received notification from my credit monitoring service that an inquiry was made of XXXX in my name using my SSN and a credit card was issued by TD Bank. I immediately placed a freeze and fraud alert with XXXX, XXXX and XXXX, and notified TD Bank that I had not applied for any credit card. They informed me that a credit card was issued using my personally identifiable information ; name, SSN, home address. They told me that when I received the credit card to destroy it and they put a block on the account. This afternoon, XX/XX/22 at XXXXXXXX XXXX I received the credit card and also a book of checks for an account set up at TD Bank. I did not request either a credit card or a checking account from TD Bank, so apparently whomever applied for the credit card set up a checking account as well. The name and address on the checks is my name and address, but the phone number is different. I XXXX  the telephone number ( XXXX ) on the check and it is listed to a person by the name of XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX MA. My middle initial is not XXXX, and my telephone # is a VT area code XXXX. TD Bank keeps sending me in circles with the automated help lines that have not provided any information on the checking account. I have confirmed the credit card has been blocked but have not been able to obtain any information on the checking account ( number XXXX ).
Consumer complaint received 2022-03-14
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-14
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)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.