davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (TX)

Hello! My name is XXXX XXXX and I was working with XXXX XXXX XXXX with Amercian Fincial Network out of XXXX. We started working on the mortgage loan process at the end of XXXX! I have a car that I am paying a note on and I had to put that info on the application! I have a text message where I told him about my car note on XXXX XXXX. We got to the final part of the underwriting process ( XXXX XXXX-underwriter in California with the same company ) to tell me that my car note popped up! XXXX told me this on XXXX XXXX! The car company been on my credit since XXXX! Of course, since he didn't factor this in, h it my debt to income go higher! I understand that, but he should of stopped it at the beginning! When I reported this to his supervisor, XXXX, he statement was, I will tell XXXX to stop the deal because we do not need the headache, we close billion dollar deals ''! This was very unprofessional! Due to this horrible process, I lost almost {$3000.00}, displaced from my home! I am a single parent with XXXX kids and now have to figure this out since he made a very huge mistake! I do have the text message when I told him about the car note
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2020, I submitted a request to the 3 bureaus to have a specific accounts investigated and verified. I then sent follow up letters on XX/XX/XXXX and XX/XX/2020, after the information was listed as verified, and I asked for proof of verification. None was provided and the account misinformation is still being reported inaccurately. On XX/XX/2020, I asked the bureaus to provide validation of the debt being misreported, I then followed up with a letter on XX/XX/2020, both received no response and no correction of misinformation on the reports.
Consumer complaint received 2022-10-24
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. (FL)

This is not a duplicate complaint, and this is complaint due to the new evidence. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them in XX/XX/2022 stating, '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX Bankruptcy XXXX on Experian Credit Report MUST BE REMOVED. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate. this record must be deleted from my Experian Credit REPORT. Only Experian has reported this information on my credit history. 
I have included all supportive documents that I have mention above in my support.
Consumer complaint received 2021-10-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

On XXXX XXXX, a payment was paid and processed of {$39.00} on the same date the account was closed due with a balance for only the transaction I made the day before the closure. I contacted discover XXXX that morning no one I spoke with could tell me reason why but told me I could open a new account. Then I was told a supervisor would be calling back in XXXX hours. I never received a call, I was admitted into XXXX on XX/XX/2022 and ended up having XXXX finally receiving a letter of unsuccessful payment activity being reason for closure but I always make a payment after I spend. I was told my refund would be issued once transaction posted. After being in the hospital undergoing XXXX and recovering I reached back out to Discover on XX/XX/XXXX, I was told my refund would be issued in 2 billing cycles, I asked to speak with another supervisor representative said she would get me over to the correct department where he could connect me to a supervisor in the account department after XXXX minutes of waiting I was placed on the phone with a representative in the account department and there were no notes from a previous call or that I requested a supervisor. After asking him for his supervisor given the excuse no supervisor is available to take my call and would call me back in XXXX hours, the same thing I was told last time by a representative in the same level. This isnt right that I have been given the run around for the passed month about my money. Something needs to be done to stop them from doing this to customers.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2020 my card was reported stolen. I contacted the capital one and the charges were reversed. Subsequently, the on XXXX statement {$410.00} was reapplied to the account. I called multiple times and the company said they were still researching the charges. It is now XXXX and no credits have been applied to the account.
Consumer complaint received 2017-12-12
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. (AL)

I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked Transunion for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, tried to reach the Credit Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-10-10
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NC)

In XX/XX/XXXX I sent a certified letter to LexisNexis to verify the process in which they verified a Bankruptcy on my credit report but I never got a response. In XXXX I filed a complaint asking for the method of verification on which they verified a bankruptcy on my credit report. LexisNexis responded this time stating that they used XXXX to verify my Bankruptcy and they linked it to my address and social security number. The explanation they provided me was false and inaccurate as they stated they verified a Chapter XXXX  Bankruptcy filed on XX/XX/XXXX and was discharged on XX/XX/XXXX. They also claim to have verified the address which I have never lived at. Everything they claimed to have verified was false and inaccurate and they have been providing XXXX/XXXX/XXXX  with false information when they provide them with verification information as they are the third party used to verify public information.
Consumer complaint received 2020-11-03
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: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEMS INC was notified of my Chapter XXXX bankruptcy XXXX yet they have still added an account to my credit report an account to which I have no knowledge. I demand they remove this entry immediately from all major credit bureaus. I demand to know what this debt is for. I demand to know how they obtained my social security number. This entry on my credit report has caused me to be denied for a loan and housing.
Consumer complaint received 2020-11-03
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. (CA)

My credit score with Experian ( ONLY ) has been decreased by 69 points in one day from " excellent '' to " Good '' they say it is because : 1. " Serious delinquency '' ( I HAVE NONE REPORTED ON MY REPORT ) All report " exceptional '' payment history! 

2. " Short account history '' 36 Years 9 mo. is my oldest open account. 

I have an excellent credit rating by both XXXX and XXXX.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

About 3 weeks ago, I found out that people have been living off our bank account for at least 2 years, maybe 3. We have been dealing with hackers and the Man in the Middle attack. They are reusing check numbers, taking money left and right using the names of places I frequent like XXXX, XXXX  or XXXX. I discovered over {$3000.00} stolen in the last 60 days. 

My bank is Golden1. They know about this but will do NOTHING to get to the bottom of this. We've been with them for over 20 years. I've begged for an investigation and they won't do it. I've had about 10 different credit cards given to me by them this year because they keep getting compromised. I firmly believe there are people at 2 of the banks I go to that are behind this. We even changed bank account numbers and that failed. 

I've written the FBI, gone to law enforcement and nothing. Law enforcement tells me they don't do hacking or fraud. 

I don't feel safe and am scared everyday. I don't know where to turn. Please help us!
Consumer complaint received 2021-11-02
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. (KY)

XXXX XXXX Transunion, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then XXXX reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at XXXX XXXX threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!
Consumer complaint received 2020-11-03
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. (GA)

I do not owe any debts to XXXX XXXX. This company has violated my rights under the FCRA. XXXX XXXX by law had a responsibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. XXXX claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX XXXX XXXX had a legal obligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for XXXX XXXX to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attempts to collect this debt will result in legal action against XXXX XXXX for violating my rights.
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (WA)

I closed my account with XXXX in XX/XX/XXXX. In XX/XX/XXXX, someone within XXXX reactivated my account with out my authorization or any notice to me. My previous account had been set up with automatic payments via my debit card. Consequently, {$600.00} was paid to XXXX. I contacted the company and was told that the matter had been referred to their fraud department and law enforcement. However, the charges were never refunded to me. 

I contacted VISA and provided date by date records of my communication and copies of the bills. VISA reversed the charges. Thus, I was made whole and I considered the matter resolved.

Within two weeks of the charges being reversed by VISA, I received a past due notice from XXXX and notice the matter was going to be turned over to collections. I called again and talked to multiple people. Eventually I received a short written notice from XXXX dispute section advising me they considered my account overdue. It was clear from the letter that they had merely looked at the financial record of my account and since VISA had reversed the charges, I now owed them money, i.e., no indication at all they had considered that the initial action of reopening the account was not my responsibility. I soon received a written notification from Credence Collections that they were attempting to collect this debt and that I had 30 days in which to dispute the claim. 

I submitted all of the supporting documentation I had sent to VISA along with dates and copies of documents of what had transpired since then. Within two weeks, I received notice from Credence that XXXX considered the debt valid and within days, I received my first collections call from Credence. Any day I expect the matter to hit my credit report.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NM)

Complainant : XXXX XXXX and XXXX XXXX Nature of Complaint : Because of a payment error by Ally Bank, I was charged fees and interest on my XXXX card on at least two occasions. 

Amount requested from Ally Bank : {$520.00} - {$320.00} in interest and fees. {$200.00} for the effort and time it has taken with all the emails, chats, and phone calls. 

Details : There have been at least two instances of credit card payments arriving late to XXXX. In both cases there were fees and interest. In the second case, the credit card was turned off. My familys practice is to pay in full by the due date. We dont hold debt except mortgages. 
Each time a bill arrives ( XXXX or any other ), I enter the amount in full and due date. This has mostly worked without issue for years. The Ally Bill pay site calls the due date the delivery date. This means that the bill must arrive on or before that day. XXXX bills are due on the XXXX or XXXX of each month. I have provided the dates of each payment in 2020 below. Until recently, I didnt know how money transferred from Ally to XXXX. XXXX told me that it was mailed. ( Note : the XXXX payment is now shown in the Ally statement, but XXXX has a record of it. ) In my conversation with XXXX, the nice gentleman told me that the XXXX bill was late by a few days. I explained that I used Ally bill pay and scheduled it correctly. It didnt matter to them. XXXX only cares about when they receive it. It doesnt matter if its lost in the mail, delayed, destroyed or anything ; they still charge a fee and interest when they dont receive a payment on time. They agreed over the phone to waive the fee and that amount has been subtracted from the amount Im requesting. 
I started a conversation with Ally about this. In my view, they accepted the responsibility of delivering payments by a certain date. If its late for whatever reason, they should be responsible. As shown in the email chain below, Ally has not accepted accountability. 
Allys remedy is in the future schedule payments days before the due date. ( See email below ) I have a couple problems with this. They should be experts in bill pay and make their own adjustments to deliver payments on time. Thats a burden put on me and any other customer that we are not fit to handle. I dont know the way bills are paid ( mail or electronic ). I dont want money out of my account for longer than necessary. If Allys goal is to pay bills for customers using their platform, they should have a quality control system to make sure mail is delivered on time. If that means sending earlier, confirming receipt, or whatever, thats what they should do. 
Ive spent significant time on the phone and webchat trying to recover losses to no avail.
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2020 I started to receive my unemployment benefits from GDOL which included several deposits for back paided week on my claim. Altogether I received XXXX on XX/XX/2020 I recieced 1 single deposit t which time my account was restricted and subsequently placed with a permanent limitation. I've contacted PayPal numerous times over the past 1, 3 months and I'm still being told that no information can be given. And that no one within PayPal entirety could uplift these restrictions so I can regain access to my full rightfully owned funds. I was a regular UI recipient not a PUA recipient. These are funds that I am lawfully & rightfully entitled to. I've done everything accordingly but PayPal is refusing to release my funds to me and I've followed their procedure thoroughly & now I'm not being given any resolution or solution to withdraw my funds and close my account. And it's been over a full calendar year since these restrictions were first implemented against myself. Please help me recover my funds in a timely manner.
Consumer complaint received 2021-04-09
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: Exeter Finance, LLC. (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 XXXX and XXXX 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 2021-04-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (VA)

XXXX XX/XX/2021 our house was sold and all paperwork was signed but on my credit its showing 30 days passed due but the account is closed showing a XXXX balance. All the paperwork and money for nationals lending and loan care were dated for XXXX XX/XX/2021 so there is no reason for my credit to show a late payment.