davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and Equifax credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (PA)

I had applied for XXXX on or around XX/XX/2021 and XXXX on or around XX/XX/2021. Both companies obtained my background check through Checkr. Checkr in both reports incorrectly reported criminal charges that were withdrawn in court preventing me from obtaining employment both times.
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I work late alot of the time and couldnt make the bank, SECU, in time. So I deposited my payroll check in one of their atm's.Friends had told me that their banks deposit allowed them to make an up to XXXX dollar withdraw after transaction. I was wrong in thinking same. But i wrote to the bank, for my balance immediately showed my paycheck there. and asked when my money would be available. They wrote back informing me that it would be the very next business day, no later than XXXX. I had deposited on the XXXX of XXXX XXXX. Friday was a holiday so noone was going to see it then. Closed XXXX, so not then either. Monday was the next business day. I still have no access to my money. My phone was cut off this morning, my kids are hungry, and one is sick, to which i cant go buy medecine. When i called to see what the problem was, I was informed that today wasnt the next business day because of the deposit time. Really? 4 days later and no one dealt with deposits all day? I 'm almost furious about this. Bills still unpaid and sat home all weekend due to money being withheld. So you can imagine my surprise when I tried to withdraw money around XXXX today. and that 's after my card was declined at lunch. I figured its not XXXX yet. I feel that someone is doing this on purpose because i suggested they might want to have someone work weekends and holidays to handle deposits since they have 24 hour customer service. Very Disgruntled, XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I switched local credit unions at the beginning of 2020. Because of this, the automatic payments I had setup were coming out of a different account. Before I could switch them, the payment I was behind on was reported to my credit bureau as a " late payment ''. The SAME week the " late payment '' was reported to the credit bureau, ALL student loans payments were deferred by the U.S. Government due to the COVID-19 pandemic. 

Because of this, I have NO late payments in my federal student loan account. On top of this, I NEVER received a physical letter, digital letter/notification in my XXXX  inbox or any notification about a late payment in my email or phone call! I have screenshots and records of never receiving a notification from them and 0 voicemails.

My biggest concern is the reported late payment when all student loans have been deferred and relieved due to the COVID-19 pandemic the SAME WEEK this was reported. 

This does not impact my credit worthiness or ability to repay my debts but XXXX records say otherwise. I would really appreciate someone looking into this and helping me fix my credit report.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 I am a XXXX and a long time customer that recently deposited a commission check issued by a well established escrow company in the amount of XXXX. When I deposited the check, I was informed by a teller named XXXX that the funds would be available after XXXX that evening. In reliance on the XXXX release of the funds, a check was made out for XXXX to my partner for his share of the commission which was promptly deposited into his account. 

XXXX XXXX I received an email stating that the check was returned for insufficient funds. Upon arriving at the bank to clear the matter up, I was directed to the branch manager XXXX who informed me that contrary to the information given by XXXX, the bank elected to put a hold on the check until XXXX XXXX, without the courtesy of at least notifying me. Furthermore, I was informed that my account is being force closed. XXXX explained that the hold would expire on XX/XX/2019 and that I could return on XXXX XXXX to pick up the check. That afternoon, I confirmed with the escrow company that my check had indeed cleared. 

XX/XX/2019 Per XXXX request, I returned to pick up my check to once again find that I was misinformed by the bank staff. 

As of today, XX/XX/2019, my check still hasnt arrived.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (CO)

Our mortgage was sold from Home Point Financial to Mr Cooper in 2023. Mr Cooper has numerous data breeches and we suspect is selling our private information to marketers. We continually receive dubious offers from companies pretending to be Mr Cooper. We feel very exposed now that our loan is being managed by this company. We have very good credit and stable finances. We were not consulted on the sale of our mortgage and would NOT have chosen Mr Cooper to do business with based on the company 's reputation and our experience with them. We are concerned it is only a matter of time before we are caught-up in a disastrous online identity crisis. We feel trapped into doing business with a company that we would NOT like to do business with. 

Let this complaint serve as notice to Mr Cooper, when their next breech happens or we get fooled by one the many online scams that originates from our relationship with Mr Cooper, we have record of prior warning and will hold them responsible.
Consumer complaint received 2018-06-26
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: Collection Information Bureau, Inc. (FL)

I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.
Consumer complaint received 2018-06-26
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. (NY)

I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,
Consumer complaint received 2021-06-15
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-09
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. (ID)

i have paid off my XXXX XXXX XXXX XXXX XXXX  ( XXXX ) visa credit card in full and yet transunion is showing a balance of over {$7000.00}. they had it correct last month ( less than {$600.00} ), but this information seems to be from XXXX or XXXX of XXXX please update your files and report to transunion the correct XXXX balance.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

This debt was given to XXXX XXXX XXXX. I settled the debt in XXXX of 2018. XXXX XXXX   XXXX communicated with the original debtor ( One Main ) the account was settled. One Main has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized LVNV FUNDING LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

This complaint is in regards to a previously filed complaint # XXXX where you have all of the previous claim information. I have been in constant contact with Wells Fargo Since XXXX of XXXX regarding this complaint. I have been dealing with XXXX XXXX at the office of the president of wells fargo. I have sent him all of the necessary information he requested along with any additional information in regards to this complaint. I was promised in writing by wells fargo they would have an answer by XX/XX/XXXX. I did not get an answer and had to contact them again. I was told the process was taking longer than expected but they were still working on the issue with their legal department. I contacted them again a week later to inform them about a letter I received from XXXX and sent XXXX that information. He requested more information about the dealer which was provided to him. I was promised again he would get back to me with a resolution. I have every contact letter along with every email correspondence. The only response I received after all of this was a letter dated XX/XX/XXXX stating the issue had been resolved with the local XXXX dealer and to contact them if I was having problems making the monthly payment. Wells fargo is completely aware of the manufacture defect with this vehicle and still wants to enforce a loan on an unsafe vehicle. I have asked for a refi, which they denied with no explanation, they promised to help with the current complaint and deliberately failed to respond in a timely matter, even though they were provided with all of the necessary information requested. I have been paying for a vehicle that have should have never been sold in the first place since XXXX and have been dealing with this issue since then as well. Wells fargo does not want to help it's customers and will not do anything to remedy this situation. I have already informed them I will not continue to pay for an unsafe vehicle that has no permanent fix putting myself or my family members in harms way. Wells fargo is already in trouble for unethical business practices so it is not a surprise they will not help in this situation either. Wells fargo needs to refund all of the money I have paid for this vehicle since XXXX and cancel the loan as well. This car is dangerous and wells fargo knows that as they acknowledged it is a manufactures defect in their letter. If wells fargo does not take care of this loan asap I will contact the news, other agencies, and file a lawsuit immediately.
Consumer complaint received 2023-03-21
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-03-21
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)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or remove the following inaccurate items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-09
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. (NV)

XXXX XXXX XXXX should be removed from all 3 credit Bureaus. The dealership XXXX XXXX falsified the credit application to get me financed. My income is XXXX a month the dealership reported XXXX a month. We submitted this information to the finance company and have not heard back from them. We want all 3 credit bureaus to investigate by requesting documents, not just a signed falsified application. But submit proof of income provided to finance company.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Io, Inc. (TX)

I have contacted XXXX and XXXX regarding three separate debts that are reporting on my credit report. They are not correct and causing me financial problems. 
I have asked that they investigate these debt to prove the validity of these debts and they have not done their jobs. In fact, they have allowed these companies to continuously report on my credit report illegally without validating them. 
XXXX XXXX XXXX  XXXX account information incorrect and must be deleted -Receivable management systems XXXX XXXXXXXX Account information, incorrect, and do not belong to me must be deleted. this account was deleted previously and reinserted without my knowledge or me being informed within the five days I am permitted to dispute. This account must be deleted. I also have contacted the creditor, and they have not provided me any documentation, nor any itemize list in the amount of time. Violated FCRA Part ( A ) ( 5 ) B ) ii ) XXXX XXXX XXXX XXXXXXXX Account balance incorrect account history incorrect account status is incorrect. I have contacted the original creditor, and they have sold it to another creditor, but are not reporting it to the credit bureaus this must be deleted.Violated FCRA Section 605 ( c ) Running of the reporting period