davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-07
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: Southwest Credit Systems, L.P. (DE)

I sent a letter to Southwest Credit Systems and disputed the item with XXXX on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file ASAP.
Consumer complaint received 2019-01-07
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX,, Yes I Did Received A Very Postive Respone From Wells Fargo Bank about Some Of My Complaints,, Last Letter sent was Mailed To Me On,, XX/XX/XXXX,, Still Needs More Work,, Plus, Now In Question,, Title Deed,, Mortage,, ( Deceased Parents )? Ect,,,,
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

Attempt to contact collector several time within months of XXXX until XXXX to have closed account due to fraud remove from my credit but I was told can't find account. called and spoke with someone diffferent and was told in XXXX it will be removed by XXXX however account has not been removed and unable to speak with anyone to confirm why.
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (NY)

Very bad comoany I hate them Im a victim of fraud and they refuse to delete the fraud inqueires with my FTC report which they have by fax their system sent me confirmation saying deleted but their still reporting I call to tell them they tell me they dont care
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have disputed multiple times on incorrect items that are on my credit report with Equifax, XXXX and XXXX and it has taken well over 30 days of me not receiving any investigation results.
Consumer complaint received 2019-01-07
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: Experian Information Solutions Inc. (DE)

I sent a letter to XXXX XXXX XXXX and disputed the item with Experian on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file ASAP.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY)

I made a transaction through money gram to my wife, her card was shut off in her app so within 3 minutes the transaction was cancelled, I received an email from money gram stating I would have my refund within 24 hours, XXXXXXXX XXXX  was the card I sent the $ from its the XXXX XXXX XXXX XXXX card I sent it to my wifes XXXX XXXX card, I received emails from both banks stating everything is cleared from this transaction and money gram is refusing to give me back my money this transaction was done on XXXX XXXX its now XXXX XXXX seven days have passed and they have refused to help through the online chat I was told they could expedite the process I spoke to a manager on the phone and no one will do anything, this money was sent to my wife for her to get home shes stuck XXXX miles from home and now has ended up in the hospital from a heat XXXX and our minor child is with her and this company refuses to give me back what was promised within 24 hours and their staff told me the process could be expedited and yet shes sat there a week now and I cant get my money back to either have someone help her get home or go to her myself and bring her home because in my opinion with all this prior emails etc I feel like this company is stealing my money when they refuse to refund me or even do anything in an emergency situation even management refuses to help I need my money immediately its not theirs to keep the transaction amount with their fees was {$250.00}
Consumer complaint received 2020-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-08-01
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. (NY)

I filed a compliant on XX/XX/2020 against XXXX XXXX  XXXX for putting info on my experian credit report that was previously removed. It appears they are resurrecting this old chargeoff to hurt my credit score.
Consumer complaint received 2021-03-06
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 — Their investigation did not fix an error on your report
Company: LD Holdings Group, LLC (AL)

I sent XXXX a dispute letter around XX/XX/2021 for the negative marks on my account for the amount of {$280000.00} from Loan depot. They haven't corrected the issue or contacted me about this matter.
Consumer complaint received 2024-02-08
Product: Credit reporting 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (OR)

Had several loans, very good standing. Trying to pay off loan early for several days but website doesn't allow access. Several phone calls... they transfer me to and then phone disconnects after XXXX minutes. No reply to my email either.
Consumer complaint received 2020-08-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; XXXX, XXXX, and Transunion. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.
Consumer complaint received 2021-03-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent Transunion a dispute letter around XX/XX/2021 for the negative marks on my account for the amount of {$280000.00} from XXXX XXXX. They haven't corrected the issue or contacted me about this matter.
Consumer complaint received 2018-12-31
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. (GA)

XXXX {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-31
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: Convergent Resources, Inc. (GA)

CONVERGENT {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2020-08-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-12-31
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. (IL)

On XX/XX/18, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), the complaint number is XXXX. 

On XX/XX/18, I received an email from the CFPB advising Experian responded stating they were working on the issue. 

On XX/XX/18, I received confusing correspondence from Experian ( attachment # 6 ) ; the document does not address the issue raised in Complaint # XXXX. 

As XX/XX/18, my Experian generated report reflects the same issues noted in the original complaint submitted on XX/XX/18 ( attachment # 7 ).
Consumer complaint received 2018-12-31
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. (GA)

XXXX XXXX XXXX This account has never been late ...

grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigatio

n may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I have been working full time in public service since XX/XX/XXXX. During this time I have been paying my loans on automatically, on time, and under income drive repayment plans. I applied for PSLF in XX/XX/XXXX and was denied with only 108 payments accepted towards PSLF ( out of 120 needed for  forgiveness ). No one at XXXX XXXX has been able to explain why all 120 payments were not accepted despite my many phone call and email requests. 

I then asked to be considered for TEPSLF on XX/XX/XXXX. I  was denied forgiveness under that program on XX/XX/ and  the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. 
We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. 
The monthly income-driven payment amount calculated using your information on file was {$350.00}. 
A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This denial does not make sense since my last payment was {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.
Consumer complaint received 2020-02-05
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. (MO)

XXXX XXXX XXXX currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.
Consumer complaint received 2018-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Last month, I submitted a check my dad wrote out through the Chase app without my dad 's signature without knowing that it was unacceptable. I went into the Chase bank on two different occasions to get this issue resolved. They said that it could be taken care of, but it wasn't. Not to mention it was very very very time-consuming as the lines needed to be transferred to get to the right person time and time again. It was a simple error on my part that caused my account to be closed down. I can no longer access my debit card and the remainder of the savings were sent to me by check through the mail. I would like my account reopened. I still need to pay the credit card and I have the funds to do so in full. Overall, this was a terrible experience due to a small error on my end.
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

I attempted to access my CashApp account and was unable to. I used my phone number for the account, it sent me a code and then as a security step it asked for my debit card details. Although the debit card attached to my account was expired, I inputted the details as requested however as it was expired, the app would not accept the expiry date. I contacted customer services who attempted to link the old account with a new account but was told that were unable to grant me access to the funds in my old account for security reasons. They said to protect my current account, ( which is the new account that was set up to recover my old account ) they can not override the decision. Essentially locking me out of my funds in my old account and offering no alternative way of verifying my account. They said no further action can be taken.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent certified letters on XXXX. The letters was received on XXXX. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I sent certified letters on XXXX-18. The letters was received on XXXX-18. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.
Consumer complaint received 2022-11-30
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. (NJ)

This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform Transunion that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be corrected is : XXXX XXXX