davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021 I sent a letter regarding unauthorized information on my credit report. To this day almost 60 days later, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 45 days so they should be deleted promptly. I demand these inaccurate accounts be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. My information was impacted by the XXXX databreach as well and may have been exposed to the wrong person.
Consumer complaint received 2021-05-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Transunion. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XXXX of XX/XX/2020 ( I will include these receipts ) it was received XX/XX/XXXX.
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (NV)

ACIMA issues are they tried hitting my account for payments 2 times and i set the account on monthly and it's suppose to be 90 days same as cash. 
I called get hung up on trying to resolve the issue. 
My bank contacted me to Acima was trying to hit my account 2 times weekly.

Bank stop payments to Acima due to them trying to hit my account 2 times a week Rude on phone always trying to over talk you never can say one thing to resolve the account.

{$50.00} dollars that was told to open the account and it went towards my bill. One lie after another with Acima and this weekly I change setting the account up in the store over the phone.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

Unknown to us, Nationstar mortgage has repotted a 90 late payment on the credit report during Hurricane Harvey forebeance and the modification period thereafter. 
I have repeatedly called and asked for assistance to have this damaging and incorrect information removed, but they have not replied. 
We have never made a late payment on this loan. We were granted forebearance and followed all of their instructions.
Consumer complaint received 2021-01-26
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. (KY)

Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-12-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

Spoke with XXXX  about my US Bank credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call US Bank credit car company and they re-reported the information and XXXX  never made the change to my report
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

On XX/XX/2021 my wife and I decided to buy a puppy, we paid {$700.00} US for it and gave them the info to where we would meet them and never received any follow up phone calls or messages or emails, we never received the pet we paid for and followed up with US Bank who proceeded to tell us they wouldnt pursue it or help us at all and denied the claim we made with them and to file a police report with Local Authorities. We sent the money from our US Bank Account through the App they have that supports XXXX and after that we never seen anything from the seller. The names we were given from the seller was XXXX but the XXXX name was XXXX XXXX and XXXX XXXX, the email they used was XXXX XXXX
Consumer complaint received 2020-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with Equifax Mortgage Service and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.
Consumer complaint received 2020-06-04
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}
Consumer complaint received 2020-06-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

This complaint involves XXXX XXXX XXXX XXXX Account XXXX. This account is found on my EQUIFAX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either. The other two credit bureaus, Equifax and XXXX have removed this account, with prejudice, from my credit report. A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a 90 day fraud alert because my ex lives with me. I was told to put this on all three so that if he tried to get credit I would get a call at the number provided when I initiated the 90 day fraud alert. It seems like XXXX XXXX XXXX XXXX in XXXX mass and capital one in XXXX Virginia did a hard inquiry via what I see through XXXX XXXX and when I asked XXXX why they didnt call XXXX said they technically should call because they see the fraud alert but they dont have to? Are you serious! Then why is there a fraud alert on there if companies ignore it. If something is not done to reverse this because I know I didnt get calls from either company yet they do know about they alert theyll be going to court. I got letters saying I was denied which hurts my credit when if they called seeing the fraud alert they couldve avoided this.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Inquiries on my report that I did not give written content to access my credit report. This is a violation of 15 usc 1681b, 15 usc 1692e, 15 usc 1692c, 15 usc 1692d and constitutes identity theft under 18 USC 1028. Remove all accounts from my credit report XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-19
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. (TX)

Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed
Consumer complaint received 2021-10-21
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: ALLIANT CREDIT UNION (IL)

Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : Alliant Credit Union XX/XX/2021 Alliant Credit Union XX/XX/2021 Factual Data XXXX XXXX XXXX XXXX XXXX XXXX Card Services XXXX XXXX XXXX Card Services XX/XX/2021 XXXX XXXX and Finance Companies XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 2021
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

Since XX/XX/2021 I have been unable to withdraw the funds in my Binance.us crypto account to my personal off-exchange storage device ( hardware wallet ). 

On XX/XX/2021 I transferred some VET, ETH and ZIL to my Binance.US account and converted the ETH into three other crypto currencies ( ZIL, VET and ONE ). I have no deposit holds on my account so I should have full access to the currencies that are in my Binance.US account. 

When I go to withdraw the funds and send them to my hardware wallet I receive an error that reads, Withdrawals suspended due to risk management. This has been happening since XX/XX/XXXX. 

I have attempted to resolve this by opening three different cases through their online support portal : Case ID # XXXX - Opened XX/XX/2021 - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 
Case ID # XXXX - Opened XX/XX/2021 - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 
Case ID # XXXX - Opened XX/XX/2021 ( later in the day ) - System automatically closed the case and combined it with an old case that remains open even though that case is resolved. 

Business has no customer service phone number to call. 

As of now, I have had no response from the company and I am unable to withdraw the funds in my account.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. XXXX coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for XXXX XXXX contract by dealer. This was not my error and XXXX coverage was selected and should have covered the difference and therefore no remaining balance was due. XXXX and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX  on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.
Consumer complaint received 2022-01-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (LA)

I have turned in paperwork and everything on net credit identity theft and yall still want remove other bureaus have removed also the 2 accounts in collections that shows XXXX  balance yall want remove but it has a XXXX   balance and is closed off so how is it in collection if I have a XXXX  balance.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc (MN)

Harley Davidson ( XXXX ) has been calling my cell phone number repeatedly, looking to collect from a person named XXXX XXXX, who, it seems, listed their number incorrectly when purchasing something. I was very polite at first, letting them know they had the wrong person, and they should find another way to get in touch with that person. In the last XXXX weeks, I believe I have received XXXX calls from them ( sometimes XXXX attempts in a day if I don't pick up ). I have now spoken to them at least XXXX times, now demanding that they remove my number and stop calling. But the calls persist. I am at a loss at this point as to what action to take.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RFNA, LP (GA)

Republic Finance has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX, XXXX, and XXXX  consumer reports dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Republic Finance violations via regular mail and via electronically. Republic Finance was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX, XXXX, and XXXX.