davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (MD)

XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  XXXX Tenant Screeners XX/XX/XXXX Experian XXXX All Banks XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-04-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NY)

We requested an equity line of credit from US Bank in 2011. Instead they sent us a check for the amount of the credit line. We immediately returned the money to the bank, informed the bank of the error and requested for the account to be closed. We were made to believe that this has been done. About a year ago US Bank started sending us bills saying we owed them service fees for the past ten years because they never closed the account. The records clearly show that the money was never touched, we never used any credit and there were never any transactions on the account. For the past year US Bank has been giving us false promises of closing the account and zeroing out the fees and bounding us from person to person, hanging up on us, etc. This is an extortion attempt by the US Bank and is unacceptable.
Consumer complaint received 2021-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ENOVA INTERNATIONAL, INC. (LA)

Net Credit is the company on XX/XX/2020 {$4500.00} was reported to my credit report. This isn't my account its somewhere out of state and I'm in XXXX XXXX, La. I've contacted the company as well and nothing has been done.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information/inquires therefore needs to be re-investigated. 

1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX   5. XXXX XXXX 6. XXXX 7. XXXX XXXX ( 2x ) 8.  XXXX 9. XXXX 10. XXXX XXXX XXXX they shouldve only ran my credit report 2x they are showing up on my credit report 4x. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my ACTUAL signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I am prepared to take legal action against Transunion if these items are not removed immediately. I will not wait another month!
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX, XXXX XXXX not mine address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I want to file a complaint against Southeast Toyota Finance is an operating division of World Omni Financial Corp . 
Account number XXXX, southeast Toyota financial is charging me late fees, on XX/XX/XXXX XXXX when and reality I made two credit card payments on XX/XX/XXXX 
They did not post my payments on my account, both payments are posted to at principal and not to balance when I made does payments I clear said one goes to principal other to regular payment. 
But in my opinion it does matter is other way to rip off people like many other This malpractices business must be stopped by the government in charge since is not only me there are many people suffering this late fees charges and other abuses from this bank World Omni Financial Corp . 
Is impossible to reach customer service and resolve the problem with them no matter how much information or proofs of payments from the bank you give them, they only want to charge late fees as much a possible to as many people they can, We are tired of see these answering over and over the same thing without resolving anything. 
Today XX/XX/XXXX did another payment of {$250.00} that include late fees when last month I did two payments of {$210.00} Anyway, like always nothing will happen and the best way to go is to court.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I paid off the account, XXXX which was assumed by Transworld Systems Inc. I contacted the Transworld System in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XX/XX/2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX There are several names and name variations on my consumer file and addresses as well. I dont give XXXX permission to report anything other that what I have stated.
Consumer complaint received 2021-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (MD)

I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I visited my local Chase Bank to add my son as beneficiary to my account. The bank employee made a mistake an entered my social security incorrectly to the document. A few days after my visit, I received an email from Chase Bank that my social security number had changed. I worried it was a scam, so I sent a secure message to the bank. They acknowledged sending the email and told me to call XXXX number. I called and could not access account using last 4 digits of my social security number. This occurred on XXXX. Since then I have requested help from them. I received a letter a few days ago asking I complete a XXXX and another form requesting Social Security verify my number. I don't understand why they are asking for completion of these documents. They entered my social security wrong on the document prepared by their employee. Why can't they re-enter the correct social security number?
Consumer complaint received 2020-06-03
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. (CA)

On XX/XX/2020 XXXX XXXX performed a hard inquiry to obtain my credit score but was unable to obtain my score and my credit report dropped 70 points,
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX or XX/XX/XXXX - My XXXX Unemployment/Pandemic Government benefit Visa Debit card ( Card # XXXX XXXX was charged XXXX $ in one fraudulent transaction by a *XX/XX/XXXXXXXX - After attempting to resolve the dispute in a gentle and respectful manner directly with the merchant ( XX/XX/XXXX ) and being denied - i continued the process with the Issuing Bank XXXX Bank Of America XXXX and then furthermore - with the Employment Development Department of California XXXX It has been months and I have exhausted every channel available to me. I have not received ANY reinbursment - AND my Card was Frozen and Shut Down due to the investigation and I have not been able to activate a replacement OR RECEIVE ANY OF MY FUTURE PAYMENTS - For 2 months and counting now. 

So i lost XXXX $ in the transaction as well as time and gas and money researching it etc etc and now have no card to get paid. 

I initiated my formal dispute with BofA on XX/XX/XXXX via phone call AND email " XXXX '' which THEIR site suggested. 

I am at a dead end ... 

Thanks! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-10-11
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: KINGS CREDIT SERVICES (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (CO)

I have a US Bank Reliacard for my unemployment benefits. Its been fine up until last week, my card is suddenly blocked. After calling multiple times and being hanged up on, I was able to reach a rep who informed me that the card was blocked and I needed to verify my ID. I went to the provided link XXXX verify.usbank.com/id ) and submitted my info, but I have yet to get my card unlocked. 

Its been a week, all of my money is on the card. I can't pay rent, I cant get food to eat, I need to solve this already. I deeply regret trusting that I could use the Reliacard for my unemployment. Its been an unmitigated disaster, its so shameful being unable to pay for my items at the store when my card suddenly kept declining. Theres XXXX in my account, thats my money and US Bank has no right to just suddenly cut me off. 

I need my account unlocked. And as soon as I can, I'm removing the funds and having my unemployment deposited with any other bank account. This is atrocious, I've complained onXX/XX/XXXX, called dozens of times. I've submitted my forms of ID as requested, and everyone keeps placing the blame and tell me they'll contact me. 

Tell that to my landlord, who needs the rent. I am borrowing money just to eat - I shouldn't have to do this. This is ridiculous, its uncalled for and I need the money which is rightfully mine. US Bank has no right to withold my funds for no reason.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I paid XXXX XXXX XXXX {$370.00} on XX/XX/XXXX in full satisfaction of my debt, as evidenced by my bank statement from that month. On or about XX/XX/XXXX, Wakefield and Associates, a debt collector working on behalf of XXXX XXXX XXXX, erroneously reported to the credit reporting agencies that the aforementioned closed out account was open and in default. I called and spoke to representatives of both parties on XX/XX/XXXX, after I first learned that my fully paid bill was sent to collections, and I was reassured that the mistake would be fully resolved. At that point I had no idea that Wakefield had made the erroneous report to the credit agencies. Yesterday, XX/XX/XXXX, I was informed by my bank that I will not qualify for a mortgage to buy a new home due to this fully paid bill that continues to be reported as unpaid on my credit report -- that's the first time I learned of the erroneous report to my credit. I called Wakefield today and was informed that XXXX XXXX XXXX still hasn't reported the payment of the bill to them. I called XXXX XXXX XXXX and they insist that they have reported the payment of the bill to the collections agency. Neither party is willing to communicate with each other to correct the erroneous reporting on my credit report and clear my credit.
Consumer complaint received 2020-03-31
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. (TN)

I have contacted experian to let them know a charged off/collection account reporting incorrectly on my credit report. I have settled the account with XXXX cardmember service XX/XX/2020 and they are reporting not as settled but that I'm making payments to the account.
Consumer complaint received 2020-12-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-11-16
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. (IL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 ACCOUNTS LISTED BELOW DEAR EQUIFAX, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 3. DEPARTMENT OF TREASURY ( FMS ) xxxxx XXXX XXXX. DEPARTMENT OF TREASURY ( FMS ) xxxxx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 6.. 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 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an account on my credit report that has a balance of {$89.00} from XXXX  XXXX XXXX, XXXX XXXX. This account was closed on XX/XX/2020, because we moved from Puerto Rico. There are no late payments nor charge-off/collection to this account when there is no money owed to this company. I have tried to resolve this with the company multiple times.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

I utilized my XXXX XXXX - Zelle service on my XXXX XXXX mobile app to pay an XXXX vendor {$670.00} for invitations and save-the-date cards. The merchant, XXXX XXXX XXXX, sent me an invoice outside of XXXX directly to my email and requested payment through Zelle not XXXX to process my order. The message response I received through XXXX was to directly contact XXXX from XXXX XXXX at either XXXX - XXXX or XXXX  via XXXX for a faster reply since she was not always on her computer. After various message exchanges on XXXX on options I place an order with XXXX XXXX XXXX. On XX/XX/2020 I signed the emailed invoice by clicking the " sign the document '' button, which went through XXXX and sent payment via Zelle to XXXX XXXX XXXX. XXXX XXXX XXXX indicated I would receive proofs for the cards once I sent the wording via email, which was sent on XX/XX/2020. As of today, XX/XX/2020, XXXX XXXX XXXX will not answer any texts, calls, XXXX messages or emails. XXXX XXXX XXXX has since deleted their XXXX account, on which we exchanged many messages regarding my order. Unfortunately, I did not screen shot our conversation before the profile was deleted. I have contacted XXXX and they can only do an investigation. XXXX also asked me to report the vendor on their website and but they could not help me get a refund since I did not order the items through their website. I next contacted XXXX XXXX and they indicated they could not help because Zelle is an independent operator on their mobile app and could not get my funds returned. I contacted Zelle via their website and I can only file a scam report. The report was filed and the response send stated that " information would be shared with their partner financial institutions to investigate and take further action. '' Also, the email stated that the results or actions would not be provided and to check out the link " Pay It Safe. '' The link directs you to their website that warns to only send money to family or friends and not people you don't know, like that stranger selling suspiciously cheap concert ticket on the internet. The merchant I sent money to was on a legitimate website, XXXX, as a vendor. It is my understanding that XXXX has policies and procedures in place for vendors on their website to avoid fraud and scams. I have purchased items on XXXX many times and have not had an issue. My concern is that ZELLE does not protect it's users from scams and will not help recover funds when a service or merchandise is not fulfilled. I went back to the XXXX website to visit the vendor page again and there are two 1-star reviews posted during XXXX of this year from customers indicating their orders have not been fulfilled by XXXX XXXX XXXX.