davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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. (MO)

Transunion, XXXX and XXXX has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX   Balanced Owed. My Credit ScorXXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

Have  XXXX  and  XXXX . Charges from  XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     ) were incurred and I was unable to pay them at that moment ( after having   XXXX   XXXX   ) ... Yet, they as the state, freeze and control all state tax refund payments to me and my wife each year/and or with the help of the IRS, also our federal tax returns ... As such, this debt and any from them ever made, is automatically discharged each year as they collect me and my wifes state tax and federal tax refunds ... ..In essence, there is never a old/new debt due as we pay them via tax return refunds they get at the end of each year ... I have a feeling that this is the same law firm I have told repeatedly not to call me and they continue to try and extort cash from us ... ....
Consumer complaint received 2021-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Recently, the bank changed their rules regarding the transfer of funds from a trust or representative payee account to personal accounts. I understand the reasoning behind this however, in my case, I am the representative payee, appointed by Social Security, for my son XXXX. Each month I transfer funds from the savings payee account to my personal checking account to pay for his expenses. Note : I am also a court appointed legal guardian. Due to the changes stated above, each month I have difficulties in transferring these funds by phone. Although, I am accommodated, it is extremely annoying and time consuming. I can not transfer funds at a branch because all branches in XXXX XXXX have been closed. Various options, such as using a debit card or go to a branch in another borough are not feasible. 
However, I do have a question. In addition to being the representative payee for XXXX I also maintain a checking supplemental trust account for his benefit. Since both accounts are for his benefit why cant I transfer the funds from the payee account to the trust account. 
All legal documentation is on file.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-20
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have sent THREE different dispute letters to Experian, and Experian is refusing to properly validate the debts that I have put in letters I have been sending them since XX/XX/XXXX. They keep stating that they have " verified '' these alleged debts and unverified accounts. Experian still has not identified who at Experian verified the accuracy of those accounts and they were verified. As I previously pointed out in my first THREE LETTERS XXXX Law Dictionary, XXXX Edition, XX/XX/XXXX, defines " Verification '' as " Conformation of correctness. truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of a party. So that means that Experian must be able to prove this in a court of law. The following accounts I would like removed immediately. 
XXXX XXXX I have retained all of copies of certified letters I have sent to Experian which will used as evidence in pending litigation provided XXXX fail to comply with my request. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

Three weeks ago, HSBC USA fraud department called me to verify some recent charges on my credit card. I confirmed they are valid transactions by me. However, even I confirmed they are valid charges. They said they will conduct a review on my account. After that, they locked not just my credit card, but also my checking/savings account. They even blocked me out of online banking. At that time, I have more than {$60000.00} in my HSBC USA savings account. I called HSBC and asked them how long it will take for the review to finish, and I also ask them to at least give me access to my checking/savings account, because I need them for daily spending. However, they said they can not tell me how long it will take, they said it could be 1 week or 2 week, 1 month or 2 month or even longer. They also said even the review was caused by my credit card, they have to block my access to all HSBC product during the review. They also said I do not need to provide anything at this moment, and the only thing I can do is to wait for their review to finish. This is very ridiculous. It is completely unreasonable to block my savings account as well. Because of their block on my savings account, I am now even struggling to pay my basic living expenses. I need them unlock my account as soon as possible.
Consumer complaint received 2022-09-08
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: First Financial Resources, Inc. (FL)

today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that FIRST FINANCIAL RESOURCE furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and FIRST FINANCIAL RESOURCE. of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with XXXX ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that FIRST FINANCIAL RESOURCE obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my XXXX ( Report Number : XXXX ) And XXXX XXXX Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my XXXX ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

i need to know all late fees were waived in 2017 tired of getting photocopies of answers previously submitted does nothing. I have unresolved issues left several messages for XXXX XXXX to get contact info name and number for her supervisor have received nothing. please address quickly and without red tape.
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (NJ)

Company allowed me to lease a vehicle at an astronomi cal " Rent-Fee '' ch arge that should be deemed illegal. After 3  years of paying this disgusting rate, I went to purchase my vehicle through Ally Financial ( the same company I leased the car from ) and they denied me financing. How could it be fair to not allow the customer to buy the vehicle after a lease?
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (KS)

In XXXX of XXXX my wallet and cellphone were stolen. In XXXX of XXXX I called cash app support to try gaining access to my account. I provided them with all the information I had. They pulled up my account and gave me the balance. I did everything they asked of me including verifying my identity and while they tried to get me in my acct I was hung up on after a 45 minute call. The next day I called again. I went through the process again and then was told they couldnt grant me access to the account. I asked if they had a supervisor I could speak with and the person hung up on me. After about a week I tried to call again. I asked them to unlock my card. The woman says it is unlocked. I tried to transfer the money to my XXXX because I have my cash app card connected to that already. It did not work. She said I would be granted a one time balance transfer. She also told me the balance was XXXX. After being on hold for about 10 minutes she said it was denied for security reasons. I dont understand how because every question she asked I was able to answer. The only information I can not provide are the card numbers because my card was stolen. I cant get in my account because my phone was stolen and I cant gain access to my email without a 2 step verification process. When she told me it was denied I asked what I needed to do to get my money. She said she couldnt help me any further. I asked who I needed to talk to then to which she replied the same response that she could not help me. I asked who her supervisor was and I was yet again hung up on.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.
Consumer complaint received 2024-10-02
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. (NC)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off :XX/XX/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Take further notice that Pursuant to 15 U.S Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges which was never disclosed to me by the organization in direct violation of this law. Pursuant to 15 U.S.Code 1615 i shall be reimbursed for all unearned interests.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I was reviewing credit card statements and noticed that a XXXX   charge of {$19.00} has been charged every month starting on XX/XX/18 to current. This is a service that I never signed up for!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/year> Experian Credit Agency XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian Credit Report and I noticed that late payments from XXXX is still posted on my report : XXXX ACCOUNT # XXXX, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX ACCOUNT # XXXX from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . This agency has violated the laws and is the only agency reporting this account. Experian is not providing accuracy. Under 15 USC 1681 Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All three Credit Agencies are to provide the same information on my credit report. DELETE THIS XXXX ACCOUNT # XXXX. Best Regards, XXXX XXXX
Consumer complaint received 2020-01-24
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: EQUIFAX, INC. (MN)

XXXX was submitted because the US department of education thinks they are above the law. In the state of california the consumer finance bureau is being sued for refusing to step in and help consumers for just this reason. I have very clearly documented them changing my credit score by updating information willy nilly however they see fit by over a hundred points on FOUR SEPARATE occasions. 

I would ask the consumer finance bureau due it's job or respond to the lawsuit they face refusing to do the right thing and help consumers who are facing loans that should be downright illegal. 

Eg. death being the only way to get out of paying them even if it's proven that the amount owed each month on the loans is greater than a consumer can even possibly consider paying while maintaining a normal lifestyle. 

This same issue is plaguing the country with Parent Plus student loans. 

DO YOUR JOB.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (DE)

Unable to download or access my annual credit report from XXXX and XXXX. for federal law enforcement investigation into mill fraud also identity theft. XX/XX/2023 there's a different issue with XXXX. i've also consistently tried to upload the pertinent information to make a just determination and this matter to be to my astonishment what was uploaded was nothing even though it shows File was uploaded.
Consumer complaint received 2020-05-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I am trying to refinance my mortgage to get a lower interest rate. My 2nd loan with 21st mortgage   statements have a statement balance of {$28000.00} When the loan pay off was requested they added an additional {$7100.00} of accrued interest. 

This is unfair because I expected my payoff to be close to the statement balance. 

My statements have never shown any accrued interest accumulating.
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

When I am working they are calling my phone between 1- 3 times a day usually in a row. Lady name XXXX is calling and she doesnt say it is a call fro a debt collector till near the end of the call or when i bring it up.