davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
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)

Dispute submitted to Equifax in XX/XX/XXXX for inaccurate reporting of two collection accounts named under XXXX XXXX. Equifax responded with the following statement '' more detailed information will need to be given in order to process. '' The following specifics detail the company and complaint : 1 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$48.00} 2 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$37.00} Original complaint : Two collection accounts under the name of XXXX XXXX from XX/XX/XXXX had been removed 4+ years ago has now reappeared or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report within 5 days of reinsertion. Please review my case and have Equifax remove the negative collections immediately from my report as this is a violation of Fair Credit Reporting Act ( FCRA ), a credit bureau can not reinsert an item on your credit report without notifying you within 5 days of the reinsertion in writing. I was not notified. Thank you.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

Not credit reports exist with Experian & XXXX. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX  reporting.
Consumer complaint received 2022-03-09
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)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX BALANCE {$0.00} FACTUAL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX  XXXX XXXX -- {$21000.00} XXXX XXXX XXXX  XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.
Consumer complaint received 2019-01-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2017.
Consumer complaint received 2022-02-06
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I just received another XXXX  credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my XXXX account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 CBNA ( Citibank N.A. ) Pulled a hard inquiry on my credit report without my authorization. Once I noticed the hard inquiry, I went ahead and put a credit freeze on XXXX XXXX with XXXX, XXXX, and XXXX. Since the freeze Ive been in contact with Citibank and the credit bureaus. I called Citibank @ ( XXXX ) XXXX and XXXX @ ( XXXX ) XXXX multiple times. Talked with numerous of representatives. It seemed like they knew exactly what the other party would say. Citibank representatives said to contact the credit bureaus and dispute with them. Credit bureaus would say contact the lender since they are the ones who pulled the hard inquiry. Same story & script. Both fraud departments couldnt help me at all. Majority of the Citibank representatives said there is no open/closed account nor an application in their system under my name/info. So this is why they all referred me/transferred my call to XXXX fraud department which didnt solve my issue.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX XXXX XXXX -- {$21000.00} XXXX XXXX XXXX XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

moneay XX/XX/XXXX I called my insurance company to get to get a refund of over payment of a check in the amount of {$620.00}, the insurance agent told me they need my bank statement in order for them to issue me a check the same day before cashing my check they needed to verify that when they deposited my check there was enough money in my account, they requested a current bank statement. I placed about a four minute phone call to navy federal to request statement be faxed to me, which they did then I faxed to my insurance agent which is the supervisor of that department. Later on I discover fraud charge on account of {$180.00} I called bank again to report. The initial person stated that my card was used online transaction she reordered new card said it would come via XXXX expedite shipping within 2 days, she then told me to enter new pin number into phone so it would be ready to use as soon as I got which I did follow the instructions, I was then connected to fraud department to continue with reporting, a man asked several questions and told me transaction was not done online but was swiped/ chipped I told him I was never on XXXXhe asked if I lost card I checked and still had card in purse and I don't believe any family would use my card. on XX/XX/XXXX I am doing web bill pay transaction and see there is a message dated XX/XX/XXXX stating investigation is complete and they are holding me responsible for charge located at store in XXXX, since I was already online with site open I immediately made call to bank since their message states " as a consumer I have the right to request any documentation that was used in the decision '' while I was requesting the " documentation '' on the phone I was also typing the request for the same documents on the website message system, I also stated that as of date new card has not yet arrive so she checked and said it was sent out via regular usps and needed 4-5 more days to arrive, I told her unacceptable I want my card sent via XXXX as I previously requested she once again placed order for new card stating she would cancel one enroute so it can not be used arp gain asking me to enter new 4 digit pin for the card because she noticed that the closest branch was such a far distance away from my address which I demand I would not do I would go to bank to active my card, I then requested that they provide me a letter on this and past reported cases of fraud by me that required a new card they responded with the new message on site that I would be the one to submit any evidence in the appeal process but they didn't provide to this day the documents I requested for their decision nor my request letter of which I also have proof that will be submitted
Consumer complaint received 2018-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I called trans union, XXXX, XXXX to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/XXXX, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/XXXX ; however, XXXX is refusing to remove the delinquent status from my credit report.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Revolut Technologies Inc. (IL)

All of it began on or about XX/XX/2021. On this date, I received a total of {$760.00} for XXXX transaction disputes I made - and these XXXX  transactions were provisional credits, as per Regulation E. Immediately, I attempted to use my Revolut ATM pre-paid debit card at an ATM to withdraw my funds and I was declined. I made numerous attempts to use my funds, as I received an email that the funds were mine to freely use, as per Regulation E. I Immediately contacted the company, Revolut via XXXX App to complain I was unable to use my funds. The agents refused to tell me anything except they would pass my complaint to the relevant Department. I asked what Department the agents were referring to, and they said they weren't allowed to tell me. I followed up daily and was told the same thing, until I was finally advised my account was being closed. I was also informed no credits credits any nature would be credited as my account was closing. It was then, on XX/XX/2021 I was allowed to transfer these funds via ACH to my XXXX Bank Account by XXXXXXXX XXXX During this time, and I'm not telling about a completely different matter, I also had a credit of {$200.00} being returned to me. Nearly everytime I contacted this Company, Revolut, their agents kept referring to 'the relevant department ' and I was unable to acquire the name of or communicate to this Department and the agents routinely engaged in unproductive communications or purposefully, they would keep stating my account was closing and " we are sorry you are upset about it ''. Finally, after filing a formal complaint with this Company, the {$200.00} was credited towards a now negative account balance. I had requested this credit be sent to me in check form or via ACH to my XXXX Bank Account and I never received a response to my request. I immediately wrote customer service who would not address my concerns. Further, I received an in-app notification my {$740.00} ACH Transfer was experiencing problems and it was delayed. To this date, I have never received this ACH Transfer and the company has since stated the Dispute I filed was improper and that Iost and has since debited my account the same and which is why it is now negative. I feel Revolut had improperly serviced my account. I feel Revolut has engaged in improper and illegal behavior as I feel they have retaliated against me for my numerous complaints and subsequently and routinely refused to acknowledge or discuss my many complaints. This Company has violated my Rights in relation to Regulation E and I never was able to use these funds 'freely ' as their email states.
Consumer complaint received 2023-07-04
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. (AL)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX XX/XX/XXXX {$61.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

On or about XX/XX/2021, I made a final payment of {$450.00} to Wells Fargo Home Mortgage ( XXXX ) on my loan. This payment was returned by XXXX indicating they do not accept partial payments and that I had to include the satisfaction of mortgage fees with my payment. 

I am not disputing that I need to pay the satisfaction of mortgage fees, but have been letting XXXX know the following for the past year ; 1 ) No where in my mortgage documents does it say that XXXX will not accept a payment without the satisfaction fees and XXXX has not shown me in writing where this policy is stated. 
2 ) I have also informed XXXX I agree that I must pay the satisfaction fees, however, here in XXXX XXXX, NY a New York court ( XXXX XXXX XXXX XXXX ) has declared certain fees illegal and XXXX XXXX  has appealed this decision. I do not wish to pay what as of now are illegal satisfaction fees. 

The failure of XXXX to apply my final payment to my mortgage is causing me to incur additional interest fees and has had a serious detrimental effect on my credit rating. 

This has been ongoing for over one year.
Consumer complaint received 2018-08-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (CO)

Complaint under the Federal Fair Credit Reporting Act ( FCRA ) I applied for a {$25000.00} auto loan on XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( application # XXXX ), while at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX. Hard inquiries appear on both my XXXX  and XXXX  credit reports from both XXXX XXXX and XXXX   XXXX XXXX on this date. XXXX XXXX declined my application stating in writing that I have a previous repossession with their company. They have refused to give me any additional information or even speak with me. I have never had a loan much less a repossession with XXXX XXXX or any other company. Additionally, my credit reports are clean and do not contain a repossession or any negative information. 

I believe that I am a victim of identity theft. Under the federal Fair Credit Reporting Act ( FCRA ) I have the right to any and all information XXXX XXXX has on file about me and to dispute any and all inaccurate or erroneous information. 

Again, I have never had a loan or cosigned on a defaulted loan with XXXX XXXX or any of its affiliates. Nor, have I ever defaulted or cosigned on a defaulted auto loan of any kind from anyone. Therefore, I dispute the information XXXX XXXX has in their files as false and it must be removed. 

Contacts I have made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Very Sincerely, XXXX.
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc. (CA)

The original debt collector XXXX XXXX 's Was notified that my Medical Insurance coverage for both XXXX XXXX and Social Security XXXX Insurence Coverage through State Medical the info was provided before the Account was Closed with XXXX, I very recently in XX/XX/XXXX received a Debt collector Call phone call harassing me for $ 500+ I told them the debt was satisfied through XXXX and followed in XX/XX/XXXX I updated XXXX my SSI benefits Medical State Insurance to XXXX   , In XX/XX/2018 I than contacted XXXX I spoke again to XXXX who took my insurance Medical Information for my Son who is a minor whom received XXXX XXXX XXXX XXXX which was covered by the State Social Security Administration but XXXX failed to provide documentation that their was a debt owed still or if the insurance was ever updated or billed, I debt collector was informed in XX/XX/XXXX over the phone that I dont owe a debt collector and any balance should be closed with a {$0.00} balance through XXXX . The creditors immediately reported right after I spoke to XXXX  ; XXXX, XXXX and XXXX XXXX Mail left from XXXX : XX/XX/2018 XXXX Hi uh hi XXXX this is my XXXX with you earlier I'm calling from XXXX XXXX 's XXXX  um if you could give us a return phone call um there's some information like to provide two of the number is XXXX thank you bye-bye I had earlier contact XXXX  to Verify that they updated my Insurance and they said that the Account was Closed with a {$0.00} balance.
Consumer complaint received 2022-02-06
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. (MS)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing Financial injury, Defamation of Character, and had hurt my ability to obtain credit & employment. 

on XX/XX/2022 I reached out by letter to the credit bureaus about inaccurate information on my credit report and still have yet to receive a reply or any type of resolution.