davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
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. (NY)

I have reached out several times to XXXX financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. XXXX financial should contact Transunion and XXXX  to remove inquiry.
Consumer complaint received 2022-08-27
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. (MI)

I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX  due to my XXXX.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and Cavalry is not following the law by not providing proper proof to consumers in which they wish to collect from.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

My name is XXXX XXXX. I am a victim of identity theft and did not make these changes. Delete and Remove please. I HAVE ATTACHED DOCUMENTS.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (MD)

Good morning, I was more than overjoyed when I learned I was approved for the job XXXX that would change my family 's financial crisis, it was perfect for my son 's busy schedule. I worked for weeks to come up with the deposit to begin. After paying my deposit it was automatically returned. I learned that the backgound check had come back clear but the site Checkr had a hold on my account. I reached out to Checkr and learned that because of a past background check that was done in XXXX by the same employer they put my account on hold even though the new background check that was done on XX/XX/XXXX came back completely clear. I spoke with an agent there and was sent your website, I guess I wasn't the only one that felt as though there was a possible better resolution to my problem. 

I was granted a legal expungement in the year of XXXX for the two charges present on my XXXX background check. That means that by law these charges have been forgiven and erased from my record. It is unlawful to report these charges to any agency preventing me from obtaining employment. They report to alot of jobs that I've worked and would like to continue to work such as XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (ID)

We own a XXXX XXXX company, in which a client paid us {$40000.00} through square. Her payment cleared 3 weeks ago and they are refusing to release our funds. That money is to be used to purchase her XXXX XXXX products if we dont have the money, we can not provide the XXXX or service. Our company is a small business and because of this refusal to release our funds, we are going under. We can not afford to lose our business, as it is our livelihood and we will in turn, lose our home. 
Every time we call them, we are told, it is under review with the review team and we will be contacted in 1-2 business days if additional information is needed. We have provided every documentation needed, as they come up with something new each week. We can not afford to wait much longer.
Consumer complaint received 2022-08-27
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. (MI)

I submitted several dispute alone with police report proving my identity has been compromised. XXXX refuse to remove the compromised information. 
I am attaching the police report and i would like the Bankruptcy that they can not verify XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  And XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

On XX/XX/18 Rushmore loan management raised my principal and interest $ XXXX/mo. Even though Im on a % 4 fixed?!?! Called them for 4 Mondays after that with no explanation. Ive provided them with my loan docs which show a loan of XXXX at % 4 which equals a $ XXXX/mo P & I payment!
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-11-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (MS)

Exeter finance is a money hungry organization ... they have no regards to others. Especially during this pandemic ... I have been having financial hardships lately with me about to deploy to XXXX in a few months. They recently charged me XXXX dollars for having a payment that was 2 days late. Others have also said that they were repossessed during the pandemic. This company needs to be shut down. And as a American XXXX member I am highly disappointed!
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NM)

On XX/XX/2023 I transferred {$500.00} to my XXXX checking account from my cash app account. I got a notification showing completed, but three minutes later I received a notification on cash app that the transfer was declined by XXXX XXXX XXXX XXXX CA. I have been in contact with both Cash app customer service and XXXX Customer service. XXXX customer service explained to me that they have no pending transactions of {$500.00} on their end which makes sense since the {$500.00} was declined XXXXhree minutes after the initial transfer that showed completed. I disputed my case to cash app showed proof and was declined to be refunded for my {$500.00} which clearly is a clerical error on their behalf. All I want is my {$500.00} back its been well over 7 days and I'm at a loss of {$500.00} that disappeared into thin air with no help or resolution from the main source which is cash app.
Consumer complaint received 2018-08-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I submitted a dispute on XXXX XXXX with Transunion on XX/XX/2018 for a XXXX XXXX XXXX card that was opened fraudulently. I still have yet to receive my results or they have not finished their investigation and it's been 2 months.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I summit modification loan documents they told me I had 30 day when I talk to them on the phone now bay view loan said is to late I send them all my paper whit the peal letter I need to know they are going to my house for sale not fair please help me my English is not to good
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I have sent correspondence to the original creditor Citibank multiple times, a 3rd party collection agency and now this company XXXX XXXX XXXX. I have requested that they send me something bearing my signature on it showing I have contracted with them and owe them something. They have sent me statements, not any documents with my signature on it. I received a letter from XXXX XXXX XXXX stating they expect this matter to be resolved by XX/XX/2019 and the letter is dated for XX/XX/2019. The expected resolution date is unacceptable as this is hindering me from obtaining credit and being asked to pay something without viable verification. XX/XX/XXXX is way beyond the 30 day period as that is required by the FCRA. I am also requesting that they do not send me statements!
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I have sent correspondence to the original creditor XXXX multiple times, a 3rd party collection agency and now this company Radius global solutions. I have requested that they send me something bearing my signature on it showing I have contracted with them and owe them something. They have sent me statements, not any documents with my signature on it. I received a letter from Radius global solutions stating they expect this matter to be resolved by XX/XX/2019 and the letter is dated for XX/XX/2019. The expected resolution date is unacceptable as this is hindering me from obtaining credit and being asked to pay something without viable verification. XX/XX/XXXX is way beyond the 30 day period as that is required by the FCRA. I am also requesting that they do not send me statements!
Consumer complaint received 2019-01-03
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: Freedom Mortgage Company (CA)

Hello XXXX XXXX XXXX My name is XXXX XXXX and our account is under XXXX and XXXX XXXX and our loan number is XXXX and I am opening up a 2nd complaint with the  Consumer Finance Protection Bureau against Freedom Mortgage. The first complaint was filed in XX/XX/XXXX and the origianl complaint number is XXXX. As part of resolving the issue of my payments taken out of my bank accounts by XXXX and not being posted to Freedom Mortage, my credit was to updated to reflect that my account was actually current. As part of your own wording that was to be done, which now I find that your company still refects that in XX/XX/XXXX I was 30, 60, and 90 days late. I am in the process of trying to purchase a new home, to be financed by the builder. I was contacted by the lender and told that unless this credit reporting is resolved quickly I can potentially lose the home and the closing costs which would have been available to be paid by the builder once the credit is approved. I have included a copy of my orignal complaint and your response. I need this issue resolved immediately, as it was to be almost one year ago. Please contact me directly at XXXX
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

XXXX XXXX # XXXX : XXXX XXXX XXXX I have received two checks from USAA Federal Savings bank. There was no explanation of what they were for, how they were calculated, or what issue they were intended to rectify. A representative from USAA identifying himself as, XXXX, attempted to contact me on my cell phone and left a voicemail. I have repeatedly told representatives of USAA not to call me on my cell phone. Is he even supposed to be contacting me personally? The checks sent do not cover the expenses that I have requested in my previous complaints. I have enclosed the documents for the extra expenses I was forced to incur on the advice of the USAA representative I had spoken to on XX/XX/2018 at XXXX CST.
Consumer complaint received 2018-02-01
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. (GA)

Hello All, XXXX Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Consumer complaint received 2021-08-17
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: SYNCHRONY FINANCIAL (FL)

Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

To Whom It May Concern, This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. The following inquiries are not authorized : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (MI)

I called on XX/XX/19 to try and settle a credit card debt with Nordstrom. I then asked, is there a way we could come to an agreement to get the debt off of my report in order to bring my score up and open up a line of credit with the Credit Union. The lady insisted that the account was closed and would reflect as a negative impact on my credit for several years. After tireless discussion she then said " You can call back at the 7 year mark to get it removed ''. I opened the account not knowing the repercussions of spending and not paying off the debt. I was young a clueless about credit and its negative affect later on in the future ( Today ). I was even willing to pay the debt even though its been 3 years, 1 month, and 26 days. She could have worked with because I've gotten things off of my credit before. I actually negotiated a fair amount with two other debt collections, so I know it's very much possible for this negative account on my credit to be removed.
Consumer complaint received 2022-08-27
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. (CA)

I don't know who's computer started the problem, but on XX/XX/XXXX, Both the XXXX and Transunion credit reporting companys decreased my score XXXX points, without any reason. 

My accounts are all in good or excellent standing, I haven't had any new accounts opened or closed, and all my bills are paid on time. 
None of the XXXX reasons apply at all.. 
I called transunion, and they were very helpful, andcstarted a dispute/investigation.. 

Then i called experian to ask about and dispute it, and they told me they can't tell me why it decreased, the computer does it. 

I told them than their computer made a mistake, and they basically started deflecting responsibility, saying I should contact the lenders.. 

The lenders aren't the problem, again, all my accounts are in good standing, and there has been NO NEW ACTIVITY to warrant a XXXX point decrease in my score. 

I'm in the middle of trying to buy a house through the USDA, and this is the type of stuff that could cause my loan to not be approved.. 

PS Your entry box for the last 4 of my social security number, keep saying my entry of XXXX, is empty. 

So you might wan na fix that, and the last XXXX of my ss # for identity is XXXX
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

As a Wells Fargo customer, I was alarmed to discover on XX/XX/2024, that a substantial sum of {$10000.00} had been debited from my personal XXXX checking account without my consent or authorization. This transaction occurred between XX/XX/2024, and XX/XX/2024, leaving me deeply troubled and bewildered. 

Upon contacting Wells Fargo immediately on XX/XX/2024, I found the personal account banking agents to be perplexed and unaware of the reasons behind the unauthorized withdrawal from my account. Subsequent investigation revealed that Wells Fargo had debited my personal student checking account to offset a debt linked to a business credit card account held by XXXX XXXX XXXX with Wells Fargo. 

I wish to emphasize that at no point did I explicitly authorize or consent to Wells Fargo withdrawing funds from my personal student checking account to settle the debt of my business credit card, nor for any other business-related matter. Furthermore, I received no prior notification, whether by mail or verbally, from Wells Fargo regarding their intention to garnish funds from my personal XXXX checking account for this purpose. 

Despite my repeated requests for documentation proving authorization for the debit, I have received no response or explanation from the bank, even after visiting a Wells Fargo branch on XX/XX/2024, where the branch manager attempted to contact the agent, XXXX, responsible for authorizing the debit, without success. 

Furthermore, on XX/XX/202XXXX XXXX XXXX XXXX ET, I received a call from someone named XXXX XXXX, who claimed to work for Wells Fargo. XXXX XXXX refused to provide any information but instead insisted on obtaining further details from me. Despite my refusal to engage without proper authentication, XXXX XXXX persisted in attempting to extract information, failing to follow the necessary security protocol. It's worth noting that XXXX XXXX seemed unaware of the withdrawal made by Wells Fargo, which raised significant security concerns. 

This entire ordeal has not only caused me considerable emotional and financial distress but has also prompted serious doubts regarding Wells Fargo 's adherence to legal and ethical banking standards.