davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (TX)

Last summer  I saw a XXXX ad for a company called Transferwise  I am very Financially minded so I was interested in the services of the company , especially their Borderless Account , allowing you to transfer money  Between various currencies instantly all within the app   I had no particular use for the service at the time , but I wanted to play around with it, and since the company officially allowed for payments using visa or mastercard  , and because my Chase credit card did not treat transferwise like a Cash Advance, which at the time I thought was neat, and could be useful in some way to make me some extra money  ...  I continued to use the service as intended for about three months, until I got  an email from transferwise saying they were shutting my account down      I asked them to refund me any and all transactions, but they quite openly and rudely refused  , leaving me with about $4,500 in fees...    I asked Chase to dispute and and revoke the transactions, but they were pretty much powerless, and or did not want to get involved    ...   and now Im stuck paying down $4500 in fees     ....   it would be nice if yall could force transferwise to return as much of my money as possible....  ThanksXXXX  PS  I would have submitted this earlier , but honestly was a little sceptical to submit this , until somebody mentioned to me , that in this Case I very much have grounds to submit this case
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I opened an account with Citibank within the 30 days they decided to in the relationship I had leftover funds in the account I attempted to collect the remaining funds that I had in my account but to no avail Ive been getting the runaround instead they told me to call the XXXX XXXX number so they may send me a cashiers checks in the mail I did that so the XXXX XXXX number told me that to step into a branch with my ID I did that but still havent received my funds.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I Requested from the credit bureau experian on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file report # XXXX and Acct # XXXX.

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and it still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NE)

In accordance with the fair credit reporting act. 
This creditor has violated my rights. 

under 15 USC 1681 section 6 0 2, 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 an Account without my written instructions.

Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-03
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (GA)

The account shows that it is late I was 30 days past due. That is incorrect account was fraudulently used and I paid the balance in full once I was aware. The bank said if I pay in full I will not be reported negatively on my credit.
Consumer complaint received 2022-10-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TX)

XX/XX/2019 on this date company opened a collection Account number XXXX {$13000.00} that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (TX)

wrong info fcra : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX LA XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX, TX,
Consumer complaint received 2019-08-18
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: Navient Solutions, LLC. (TX)

I have 3 student loan accounts from the creditor Navient. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids XXXX from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A)  Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 	.	(B)  Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if 	.	(i)  the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and 	.	(ii)  the information is, in fact, inaccurate. XXXX only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. XXXX XXXX XXXX, 49 Mont. 46, 139 P. 999, 1001; People ex rel. XXXX XXXX XXXX, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in XXXX   investigation. XXXX is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from Navient confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.
Consumer complaint received 2019-08-18
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. (TN)

On XX/XX/2019, I discovered that XXXX XXXX XXXX had closed my account and reported me as "deceased" to credit monitoring agencies. I have told XXXX XXXX XXXX that I am alive and well.  I have filed disputes on the report from XXXX XXXX XXXX with Equifax, XXXX, and XXXX. At this point I have great concern that Social Security thinks I'm dead as well and that I may not get my scheduled benefits. I am unable to log in to my Social Security account online, so will try again on Monday to contact them. At first I thought this rather humorous, but if I have problems with Social Security benefits it won't be funny at all. I suspect that this has happened as a result of the massive data breach that occurred at XXXX XXXX XXXX.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (CO)

My mortgage loan ( with XXXX XXXX ) disappeared from my credit report- it was being reported previously for the 12 years I've had it. All of a sudden it dropped off my credit report. I contacted my mortgage company and they show my loan and have contacted credit agencies but the loan is still missing from my credit report.
Consumer complaint received 2021-12-03
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. (MI)

I am a truck driver so I don't have time to keep filing all these reports but I am a victim of identity theft because my information was exposed from XXXX Breach. I have listed the items in the letter that I do not recogonize on the attached copy of the report I had to fill out on the Federal Trade Commission website. The items I am disputing do not relate to any transactions that I have made or authorized. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C.1681i, requires you to delete/block this fraudulent information on my credit report resulting from identity theft within 4 business days.
Consumer complaint received 2024-03-23
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: Mercedes Benz Financial Services (PA)

I requested a XXXX month deferrment XX/XX/XXXX ; due to temp being laid off. Payments pickked back up successfuly as of XX/XX/XXXX. After numberous calls, vm, emails and letters. The company is reporting XXXX days late for the month of XX/XX/XXXX. i had a deferrment for the moths of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also informed that maybe we did not get your intial request in XXXX, or it didnt land in the appropriate department ; fill put paperwork and lets see what happens. I filled out paperwork again XXXX  time. Finally I was tol to write a leter to dispute in XXXX texas about the XXXX  day latenes of XXXX XXXX that letter was writtine XX/XX/XXXX. I have yet to hear any update. I cslled merceds financial service back to inquire about my dispute letter. I was told that theres no way they can Track to see if mercedes dispiute dept in XXXX texas received my letter ; i was also told that there is no telephone number that they can provide me to see if they received my letter. I explaied to the representative, far as I know that this could be a ghost company im sendig letter too ; representative responded " pretty much '' overall, i was never late for any of my car payments since purchasing this vehicle XXXX. In addition i have been in mercedes benz the past XXXX yrs and never with any miss or late payment. I just dont undrstand why this matter can not be fixed within mercedes. i was also told by meredes to dispute with credit burea in which i did and they will f/u ; of course that never happended as well. Any assistance would be greatly appreciated
Consumer complaint received 2019-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Figure Technologies, Inc (AR)

On XX/XX/19 I was automatically denied for a loan that I was preapproved for up to $XXXX for a home equity line. The mailer includes my debt and market value of home. I went online, used the code given in mailer, filled our income info and was immediately rejected. Nothing about my home or how much I owed or needed to borrow.The mailer is completely misleading. I recorded a text chat where I was given very conflicting answers from their customer support manager.This is nothing more then a lead farm to run soft credit checks for personal loan potential. The home value or equity you have is not used in the approval process.The customer service manager (XXXX) boasted their automated underwriting that took less than 10 seconds was efficient. Though she could not explain why they used information in the mailer that was not used at all during approval process.Complete scam for approval
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act convergent accounts, XXXX XXXX XXXX  account number XXXX, and XXXX XXXX account number XXXX, XXXX XXXX XXXX accounts XXXX, XXXX, US Dept of Ed/XXXX  account XXXX XXXX, State of MI. Office XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX. account number XXXX, and -account number XXXX has violated my right XXXX under Article 15 USC 1681 section 602 ,8 I have a right to privacy and 15USC 1681 section 604a.section 2pPermissible purpose of consumer reports can not furnish my report without my written instructions, and 15 USC code1692c. can not communicate with debtor 's the I was not aware of these debts until I accessed my credit report and dealing with identity theft and being denied housing because of this negative entries on my report I had know knowledge of and I ask credit bureau to remove these items several times and they refunded and didn't to a proper investiga tion.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting erroneous collections on my credit file. I have been checking on my credit and noticed that Express Recovery is reporting paid collections. When I first settled these collections they assured me that the account would be removed. However, it's been over 4 months and they are still reporting. Not only that, these accounts are all medical bills! I never signed a HIPPA patient release form allowing them to report on my credit file. This is a HIPPA violation and must be removed from my credit immediately. The debt is no longer owed & you are in violation.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I had requested my consumer report from XXXX. After obtaining my consumer report I saw that there was a re-insertd bank accounts from XXXX XXXX XXXX XXXX. The re-inserted account was on my Chapter 7 Bankruptcy from XXXX 2010 and these accounts were included on the bankruptcy. The Credit Union has re-inserted these bank accounts in which were enclosed on the chapter 7 bankruptcy. I have sent this information over to XXXX XXXX XXXX XXXX over a month ago and they have not removed the entries. So now I am submitting this to the CFPB. They can not re-insert accounts that were included in a bankruptcy and after seven years. Also XXXX again has put addresses on my report that do n't belong to me : The only addresses that are associated with me are as follows : XXXX XXXX XXXX XXXX, NJ XXXX Thank you
Consumer complaint received 2021-02-25
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. (FL)

I noticed there has been fraudulent inquires on my report that I did not authorize. I have contacted Tranusnion, sent the proper letters and they have failed to respond.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

I paid a debt collector on XXXX in total of XXXX. XXXX months late I was notified that the debt was still owed by ic system. I sent the letter from my chase account that it was aready paid. I stated that it was illegal to pay a debt twice. They notified me that its not there problem. Both amounts where exactly the same. I have prouf that it was paid. I sent it in. They did not care. I feel like this is not write .I had to pay this so it would not be on my credit report. It still went on my credit report twice. I need to know how to fight this
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Franklin Collection Service, Inc. (LA)

I am disputing this off of my credit report this collection agency purchased my account from XXXX I did not authorize any buisness with XXXX XXXX the debt was sold by XXXX XXXX XXXX is calling and harassing me for XXXX I did not sign any contracts with that company therefore Im not obligated to pay the debt please remove the account and the negative impact from my account I did reach out to XXXX XXXX to remove the account.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have XXXX bankruptcies showing on my credit report ( XXXX/TransUnion ) .IT stated that the XXXX bankruptcy court has reported to the credit bureau, so I reach out to the bankruptcy court and I was informed by the courts that they dont report to the credit bureaus.so I wrote/ call XXXX and TransUnion on several and the ONLY response I keep getting from both credit bureaus is that the information is ACCURATE and VERIFIED.I I also ask the credit bureaus several times to prove to me how the information get verified and both bureaus refused to provide that information. So my question is that if the bankruptcy court does not report to the credit bureaus they can only get the information from a third party and by law third parties are not allowed to report anything on your credit report.so Im requesting/demanding that XXXX and TransUnion REMOVED those two bankruptcies thats showing on my credit report because they are violating the fair credit act.
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Santander stated loan would be removed from my credit due to a lawsuit filed against the company. Santander was required per the lawsuit to remove the balance off my account. Car repossessed and sold qualifies for a deficiency balance waiver and showed be removed.
Consumer complaint received 2021-05-06
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)

XXXX and Experian are reporting lates in XXXX, XXXX and XXXX,XX/XX/2020. ( Please see page attached from my credit report from XXXX,XX/XX/2020 ) Experian is now reporting on my most recent credit report that I was allegedly late in XXXX, XX/XX/2020. ( Please see page attached from my credit report. ) First, I was never late on this account ; and second, Experian has now changed the month that I was allegedly late. This false reporting of all late payments appearing on my credit report are incorrect and is seriously harming my credit score. XXXX is reporting correctly. I request that the late payments be removed. 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 these however, I have not been successful.