davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX, XXXX Ga XXXX.This house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open. We have no documents regarding this loan with XXXX, XXXX. We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX XXXX We will told the home was foreclosed on however, this was not the case .Spouses BRC XXXX US FED BRC XXXX  DISTRICT OF GA. XXXX XXXX  , ACCT NUMB XXXX XXXX FOR YEARS XXXX AND XXXX.
Consumer complaint received 2018-07-23
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. (IA)

I HAVE CREDIT INQUIRES LISTED ON MY CREDIT REPORT THAT ARE NOT MINE, I HAVE SENT A REQUEST TO TRANSUNION TO HAVE THEM DISPUTED, THEY FAIL TO DISPUTE THEM AND SEND A CANNED MESSAGE SAYING THAT I HAVE TO CONTACT THE COMPANY THAT PLACED THE INQUIRY. THIS IS A FCRA DISPUTE, FCRA STATED THAT THE CRA MUST INVESTIGATE ANY INACCURATE INFORMATION ON MY REPORT, TRANS- UNION HAS FAILED TO DO THIS. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MD)

I called Aidvantage on XX/XX/XXXX, to request a refund in the amount of {$50000.00} which was paid to them on XX/XX/XXXX. I informed the representative that my banking information had changed since I initially made the XX/XX/XXXX payment and asked her if I could give her the new account details for the direct deposit. I confirmed with her the new account details before the request was submitted. I waited XXXX weeks and after not receiving the direct deposit I called and was told that a direct deposit attempt from XXXX was returned by the bank for incorrect account details. This is the only answer I was given. I can only assume that the original representative did not input the new account details correctly. I was also told that a physical check had been processed on XX/XX/XXXX, and was being mailed. I waited until XXXX and after not receiving the check I called and was told that no further details were available and to wait until end of XXXX. I received a call today ( XX/XX/XXXX ) informing me that the payment had been returned, but was unable to tell me if it was another XXXX attempt or physical check. I dont understand why as my account details are correct and my mailing address on file has always been correct. I desperately need someone to look into this further as I am not getting anywhere with the call center. My financial situation has dramatically changed since I originally made this payment a year ago and I really do need to receive this money back as soon as possible.
Consumer complaint received 2021-08-18
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. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2024-02-02
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2020-10-27
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)

XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to Equifax ; XX/XX/XXXXand XXXX that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. 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.
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (OH)

I agreed to pay a settlement to National Credit Adjustors for two different accounts XXXX and XXXX XXXX who my debt originated with. Also paid XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. I was told it would update and be removed from my credit report. I would like to see this done asap. These collection are hurting my credit report.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have tried contacting Transunion regarding issue with error on my credit report. They have not fix my credit. The their credit report shows 9 missed or late payment but I have not miss any payments. The Fix my credit for a couple of days ( XXXX  XXXX to XXXX XXXX ) and then change it to be incorrect. I will try and submit again but I do not trust them as they have fail to fix the issue the first time. XXXX call me to say they have sent the request to fix the issue back in mid XXXX. It is XXXX and Transunion still has not fixed the issue. I have attach proof of me not missing any payments.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NC)

I paid the full balance on my secured XXXX card. It 's an account that is secured by my equivalent available credit. The account was in good standing and there was no late payment. After I paid it off, XXXX quickly closed the account on me without any notice by email or letter. I called to inquire and was informed it was closed. I was not given a reason. I was given a number I could call to ask why. I was told that my money would be returned to me in XXXX to XXXX weeks. This is an unfair practice. If the account is secured, I should be repaid immediately. After all, it is my money and not theirs. In addition, why do n't they provide advance notice of their plans to close? I understand they reserve the right to close accounts, but for secured accounts they need to adjust their practices since it is the consumers ' money and not theirs.
Consumer complaint received 2017-09-22
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: Experian Information Solutions Inc. (FL)

In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, Experian and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, Experian and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, Experian and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-16
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: WELLS FARGO & COMPANY (UT)

1. On XX/XX/XXXX, WELLS FARGO BANK NA DIL  add a hard inquiry on my credit report per XXXX.

2. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.

3. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (VA)

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it.
Consumer complaint received 2022-08-13
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MN)

I did an online dispute with the XXXX credit bureaus XXXX and XXXX expunged the account chime stride bank is still reporting to XXXX that I have an outstanding balance of {$660.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2022 I did an online dispute in the month of XX/XX/2022 I mailed a dispute to chime strive bank and a dispute to XXXX XXXX which they say is under investigation and for some reason chime stride bank has not updated their information since XX/XX/XXXX showing that I have a outstanding balance with them of {$660.00} in which I do not have a balance with them at all.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I received a referral from a friend for the American Express XXXX XXXX XXXX card, which offered XXXX miles if you spent {$1000.00} in the first 3 months and have never received a bonus on the card ( I have not XXXX. In short, I did n't get the bonus - but they have admitted to me that it is indeed owed to me but nobody is able to make the adjustment. I followed their process, but it has now been like 4 months with multiple deadlines passed that they gave me for resolution. I waited the first XXXX weeks for the bonus to post, it never did. I contacted them to open a case to research, which they told me would be XXXX weeks. The result of that is they closed it and admitted I fulfilled the offer, however they identified a large number of accounts that the bonus failed to post to. They told me it would be resolved in XXXX days. That deadline was earlier this week. When I contacted them, they said they are n't sure why I did n't get it but would open up another case and I would know more in XXXX weeks. I would like your help to get these bonuses paid out, for myself and everyone else. Waiting XXXX months is not right when they have admitted that they owe them to me.
Consumer complaint received 2020-09-01
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)

MY IDENTITY WAS USED WITHOUT MY CONSENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS .. 
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-10-27
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: VW Credit, Inc (GA)

XXXX..Volkswagen credit reported to the credit bureau 30 day late payment.I wasnt late, it was a bank error with my funds being processes. I contacted Volkswagen in XX/XX/2020, for a goodwill and they denied. Due to not having document from bank. On XX/XX/2020, I submitted a letter head statement from the bank in regards to my payment history and the error which was made.
Consumer complaint received 2020-10-27
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. (PA)

On XX/XX/2020 Experian deleted payment History for account XXXX XXXX XXXX that violates FCRA. Account was also not marked " Disputed by consumer '' and status update date was not updated for investigation. How can Experian verify and update account with incomplete and inaccurate payment History? I requested account be removed due to errors and violations on report, however, CRA updated and verified account as accurate.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

I have been fighting with navy federal for violating consumer federal laws. Ongoing Unfair restrictions on my account, my account blocked couldnt view my statement and it didnt allow me to see my history. When I requested investigations nothing was done. My account was frozen I could see anything. So basically they froze my account and disabled services.

They are reporting inaccurate information to the credit bureaus and ruining my reputation They took money out my account to pay a delinquent account without authorization They took away the oops program They have taken money out my account I disputed a change I didnt recognize they totally ignored me and never refunded my money nor did they give an explanation to what happened.

I also requested open ended credit Im entitled to you that was totally ignored. 
Apparently this is their practice as theyve done this to me and many others file no XXXX. 
I have also many several complaints regarding them violating the federal consumer laws XXXX, XXXX, XXXX, and XXXX I have XXXX small children to care XXXX  I have custody of them after my daughter transitioned ( XXXX ) I need my money times are hard this has caused me stress anxiety sleepless nights
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NV)

After opening an account with paypal to process invoices for a new business -- selling gemstones online -- paypal allowed my activity for approximately one month without issue. All requested documents and information was provided to paypal as part of the account opening process and all invoices were tagged with corresponding tracking numbers for shipments to customers. Paypal routinely holds funds until shipments are marked as delivered. 

This was not a problem, until approximately one month later on Saturday XXXX XXXX 2020 Paypal notified me that I can now longer do business with the them, and the notice specified that funds within paypal will be held for up to 180 days. The amount held by paypal is {$5200.00} The shutdown came with no reason as to why the account was restricted, and no attempt to contact me or remedy the situation. 

In an attempt to resolve the dispute, I proactively called and emailed paypal multiple times offering whatever information they felt they needed to remedy the situation but all emails went unanswered and phone calls led to no further information or assistance. 

The funds being held by paypal represent the majority of the brand new businesses assets, and essentially have forced a brand new business to fail within weeks of beginning with no reason given and no attempt to work with me to resolve any perceived risk.
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to 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 gotten into the wrong hands.