davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
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. (NC)

Experian reinserted an account that was deleted from XX/XX/2019. They said that I had initiated a dispute. Hiw can you dispute an account that was deleted 3 months ago? I called Experian and they said it was a different account. I only had one account with credit one. I reviewed the account and it was in fact the same account. I have a letter from credit one saying they are going to delete the account. I sent the letter to Experian and they say the account remains and has been updated.
Consumer complaint received 2023-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (MD)

WELLS FARGO is responsible for incorrect billing and/or accounting errors. I tendered full payments for the mentioned accounts ( please see attached documents ), but the amounts were encoded incorrectly. Please correct this information immediately. Thank you.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (VA)

I have been up to the actual XXXX store MULTIPLE times as well as called in and have RECORDED conversations where they told me I owed nothing and would get a refund now its on my credit report. This is illegal and I want it removed immediately or Ill get an attorney involved.
Consumer complaint received 2019-06-20
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/XXXX. XXXX I sent a certified letter to EXPERIAN and to XXXX XXXX XXXX I informing them to delete this fraudulent account from my credit profile. I have not made any payments to XXXX XXXX XXXX. 

XXXX XXXX XXXX reported receive of payment on XX/XX/XXXX in the amount {$100.00} and on XX/XX/XXXX in the amount of {$250.00}, and a balance {$3200.00}. 

XXXX XXXX XXXX is reporting to the Credit Bureaus with a new balance, late payment and past due amount every month, and also reporting as a charge off every month.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my deep concern and frustration regarding the delayed removal of fraudulent items from my credit file. As a responsible consumer, I rely on the accuracy of my credit report to make informed financial decisions. However, I have recently discovered fraudulent items on my credit report that are damaging my creditworthiness and reputation. 

I have taken all necessary steps to report these fraudulent items to your agency and have provided supporting documentation to substantiate my claims. However, I am dismayed by the lack of action taken to address this issue and the prolonged delay in removing these fraudulent items from my credit report. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit file and to take immediate steps to investigate the circumstances surrounding their inclusion. Additionally, I request that you provide me with regular updates on the progress of your investigation and the actions being taken to rectify this situation. 

Failure to address this matter promptly will not only harm my financial standing but also undermine my confidence in your agency 's ability to protect consumers from fraudulent activity. I trust that you will take swift and decisive action to resolve this issue and restore the integrity of my credit report. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I Have disputed the accounts multiple times since XX/XX/2021 but they still have not deleted the inaccurate accounts neither have they done a reinvestigation to show a notice of dispute for any of the accounts
Consumer complaint received 2019-06-20
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. (NY)

Back in XXXX of XXXX I was robbed gunpoint and my wallet was stolen from me containing my State ID, social security card and bank/credit cards. A police report was filed and I called Experian to let them know I needed to freeze my account. The gentleman I spoke to informed that he did so and it was all taken care of. Fast forward to now XX/XX/XXXX, Ive noticed my credit report is bombarded with inquiries that I never authorized. Evident that the people who stole my personal information are trying to obtain credit under my name. Ive reached out to the company by phone to no prevail, and even through certified mail with return receipt so I know they got my complaints.As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name. This has hurt my credit score substantially and Experian refuses to resolve this issue
Consumer complaint received 2018-02-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I went to refinance my home to find a lien on it. My ex husband claimed bankruptcy and wrapped that portion of debt he was assigned into the bankruptcy. I was not on the loan not was assigned the debt through the divorce process. My final divorce decree clearly states the debt is his alone. Navy Federal credit union even after showing them the divorce decree and the deed which is in my name only refuses to remove the lien and had even suggested I sue my ex husband to pay the lien off
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

XX/XX/XXXX sent {$100.00} payment via Zelle to purchase a car part. Turns out the the seller did not send part and another company wanted an additional {$100.00} to ship said part. Asked to be refunded from seller and they told me no.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CO)

In XXXX of XXXX I made arrangements with Synchrony Bank to settle a credit card debt on my Sam 's Club credit card. The amount that was agreed upon was {$6300.00}. The terms of the agreement as I was told was that I had one year to pay that amount or it would go into default. At no time was I told to make a payment every month, only to pay it off within one year. I asked for the terms to be emailed or mailed to me in a letter and their representative said they don't do that. He said that I would only get a letter from them when the settlement was paid in full. I made my first payment on XX/XX/XXXX for {$2500.00}. I made another payment on XX/XX/XXXX for {$3000.00}. I called on XX/XX/XXXX to make the final payment of {$890.00} and was told that the account was in default and they could not accept my payment because I did not make a payment every month. I asked them why it went into default after I made the payment in XX/XX/XXXX instead of sooner when I hadn't made a payment for almost 7 months after the first payment. They would not tell me. They just said I didn't comply with the terms. At no time did I receive anything in writing stating I was in default from Synchrony or the terms of my settlement agreement even though I had asked for it. I don't believe I am in the wrong here due to their refusal to send me anything in writing. I am fully prepared to pay them the agreed upon balance of {$890.00} but not the {$7000.00} they say I must pay. They have extremely deceitful practices when it comes to consumers as I spoke to someone else who ran into problems with this company. I hope that you can contact these people and find out why their practices do not include anything in writing.
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This letter is my formal dispute notice regarding two cases that refers to the Bank of America Acct ( s ) back in XXXX. Plaintiff is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and the Law Offices of XXXX and XXXX, XXXX. I am the defendant and a victim of Identity theft and fraud. 

As reported to the XXXX XXXX XXXX Sheriffs Dept. Levying Officer. I responded to inform them that their information was completely inaccurate, fraudulent and a matter of identity theft. I requested that they return my earnest money that was levied. 

They took {$1500.00} which was garnished from my bank account, including the miscellaneous debit garnishment processing fee of {$100.00}. They have taken my time at the court house, the sheriff dept. and I had to research information which was extremely stressful. Not to mention the gas money to travel back and forth for weeks. I am not a lawyer! Therefore, I had to learn things and gather information and paper work that I am unfamiliar with. I still don't have an attorney. 

I demanded that they validate this information by providing me and the XXXX XXXX Manager Dept. We have tried to subpoena Bank of America for proof of records and asked that the law firm that took over this case to substantiate this debt. 

The case was recently brought to my attention for the first time as of XX/XX/XXXX. On that day I received a letter of ( 13 ) thirteen pages in the mail from the Sheriff department in regards to this case. 

I have never received any summons or been served by the court in regards to this allegation prior to this month, XX/XX/XXXX. When I received this letter I went to the XXXX Superior Court at XXXX XXXX XXXX XXXX. in XXXX, CA. to inquire and receive a case file with ( 80 ) eighty pages of non-conclusive information, accusing me of an alleged debt with NO Authorized SIGNATURE of the acclaimed debt.
Consumer complaint received 2019-06-20
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. (OH)

Transunion credit reporting agency removed my mortgage history from my credit report my mortgage company stated they reported my payment history I need Transunion to put my payment history back on my report
Consumer complaint received 2019-06-20
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. (OH)

To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
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)

To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
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. (TX)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$22000.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The vehicle had numerous issues from the day I purchased it. I tried working with the dealership to replace the vehicle and they refused to help me. It continued with various noises that none of the mechanics could identify within the transmission. I new transmission was put into the vehicle because I had the extended warranty however, even after doing this the vehicle continued to have problems. The dealership wanted to put another transmission into the vehicle. They were not confident that even doing this, would fix the problem. I called the bank and explained the issues I was running into and told them to come and get the vehicle because I was not going to make another payment on a vehicle that spent more time in the service department  continually trying to be fixed. This would end up costing me more than what I was going to spend on the vehicle. ( I have attached documentation and service records of the numerous repairs from XXXX XXXX XXXX and XXXX XXXX XXXX which is the last dealership that was working on the vehicle with the extended warranty. ) This account needs to report a {$0.00} balance. There is no outstanding balance due. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
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: LEXISNEXIS (GA)

I went to their website and requested my credit report. I filled out all requirements and they told me they didnt have enough info. I mailed a letter to them with all required info included and they still havent got back to me. Now today is my third attempt to obtain my credit report. LexisNexis is literally in the SAME CITY that i live in. There should be NO excuse that other people living farther away can get theirs and I have yet to receive mine.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

On XX/XX/2019, I requested information in person at a bank branch of PNC Bank in XXXX XXXX, IL. I have a Money Market account with approx. {$6100.00} balance. This was my mother 's account until she died in XX/XX/XXXX. It is a joint account, and I am now trying to manage the funds after her death as she would have wished. On XX/XX/XXXX I turned in her Death Certificate to this branch, and I returned on the XX/XX/XXXXfor further information. 

All I was asking for was the account information ( minimum balance, fee structure, etc. ) and current interest rates. They refused to provide the interest rates in writing per my request. The manager stated that he would tell me the rates verbally, but would not provide them in writing. They also did not provide the basic account information until I demanded it three times. They wanted to go over it verbally with me or show me on a screen. 

My understanding is that account interest rates are a matter of consumer protection -- honesty, clarity, and transparency being the goal. The manager smiled and acted as if what I was requesting was rather ridiculous- current interest rates in writing. He said that they change frequently. 

I have the document provided me in which all of the interest rate amounts are filled in with X 's instead of numbers.
Consumer complaint received 2019-06-19
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. (OH)

I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX  # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX in Florida refusing to refund the unauthorized transfer of my entire balance on XXXX of XXXX to an unknown person by wire fraud on my personal checking account. They alllwed me {$400.00} advance while investigating. I was on phone with customer rep over XXXX after I received a text message asking me if I authorized the transfer- if not call them. I immediately phoned n customer service said someone went into my account n changed my email address n even had set up bill pay for a future date but they didnt get pass my security questions. So how could they transfer my money without my knowledge to someone XXXX dont know XXXX XXXX?? after investigating they closed my acct and refusing to return my balance of XXXX n closed my account. No one has my permissions to remove money from my account. 
Also Im a victim of identity theft. 
Also need help with chase bank in ft XXXX fl.I have a personal checking account which receives my social security XXXX checks and used that account to deposit funds from my Llc business acct in which I tried several times to set up so I could keep funds seperated. They are refusing to release my balance of {$99000.00} holding it since XX/XX/2023. The bank rep lied and told me the check was in the mail after I went into bank in pouring rain over 5times providing my Llc n invoices they requested on large deposit made to XXXX XXXX XXXX I .Kaye n I have spent over five hours demanding they release my balance since they also closed my bank acct and refused to open a business acct and customer service lady XXXX XXXX into the XXXX checking sitelisting Im a fraud victim since someone did go into my checking trying to steal my entire balance by transfer n XXXX XXXX but XXXX caught it. This is causing me to literally starve to death and extreme hardship on my family. Im a hurricane disaster survivor whose home was destroyed XXXX a XXXX senior citizen! Navy fed bal XXXX and. XXXX balance of XXXX! I want my funds released immediately.please help me
Consumer complaint received 2023-08-29
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. (NC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get them.