davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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. (CA)

I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX  does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXXTransferred account XXXXInnaccurate information Transunion shows XX/XX/2020 date opened and XXXX shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh Transunion and XXXX XXXX has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus. 
XXXX-Not my information XXXX- reporting inaccurate information with all 3 bureaus. 

.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (MD)

On XX/XX/22 I got a bill from a credit card named Indigo. It was for the application fee and {$6.00} interest. The statement said card number ends in XXXX. Total fee is {$130.00} XXXX call the number on the bill, and they kept demanding I give them my SSN. They had some of my information but some of the information did not match. I never applied for this card, and I have never received this card. I ask them to closed this account and erase the fees. They said I would have to talk to a Supervisor, and none were available. They refused to take care of this. 
Genesis FC Card XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

I would like my personal information to be updated on my credit report. I am now married and I would like for my old information removed and new information updated. 
Name : XXXX XXXX XXXX Number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX Arkansas XXXX
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (LA)

I have a XXXX  checking student account with Regions Bank, and I have been charged {$10.00} a month even though I am under the age of 25. These monthly charges began in XXXX XX/XX/2019 and was resolved today. However, I would like a full refund on the money that was charged. I was told I could only be refunded {$30.00}, but I was charged {$180.00} in total. 
I did not know I was being wrongfully charged until a regions employee called me saying I was being wrongfully charged. The reason for this is because I emailed the company and they said I was being charged correctly.
Consumer complaint received 2023-01-18
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. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2024-02-05
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. (NJ)

In my follow-up complaint today, I am providing an update on my recent complaint. According to FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX in my case. I have attached documents to facilitate the removal of inquiries that are inaccurately posted on my credit report. The following list comprises inquiries that do not belong to me or were opened without my permission : -- -- -- -- -- -- -EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to expunge any items in the file of a consumer identified as information resulting from an alleged identity theft, within 4 business days of the date of receipt.
Consumer complaint received 2023-03-25
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I contacted my lender ( SPS ) on XX/XX/2021 for a loan workout because I have new financial situation, I have XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. But they said there are no options available for me except shortsale or foreclosure. Also that there is a foreclosure moratorium right now in California until XX/XX/2021.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Back in XXXX of this year I filed my first around of disputes with Equifax and XXXX. The only one I got a response from was XXXX. In XXXX I filed a second around of dispute because the bureaus are not taking things off my credit that need to be that are seven years or older off my credit report. Now here I am three months later filing a complaints against them all because they arent doing their jobs. Please help with the matter and making them reply to my disputes that I filed.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I would like my personal information to be updated on my credit report. I am now married and I would like for my old information removed and new information updated. 
Name : XXXX XXXX XXXX Number ( XXXX ) XXXX Address : XXXXXXXX XXXX  XXXX XXXX XXXX Arkansas XXXX
Consumer complaint received 2024-02-05
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. (LA)

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-06-08
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 (NY)

THE FOLLOWING ACCOUNTS AND INQUIRIES WERE NOT INQUIRED BY ME. 
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (IL)

Physical action was not taken but all the communication was done by via chat and the people behind that chat was really rude and unprofessional - telling me that I had to make a deposit of {$20000.00} to be able to withdraw my money and if I don't do that, my account will go on a frozen status and my information will be transfer to the US government because I was doing some laundry money - I told them to subtract the money off my account and they said no - because they were unable to do that and for me to withdraw the money - I needed to make the deposit Please refer to the letter attached
Consumer complaint received 2021-05-26
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 (CO)

I opened a business bank account with Venmo ( a new feature ). The first issue I had was a glitch in their system that made it difficult for donors to search for our business by name. We were told to leave off the " @ '' or not use the capital letters in the name. It was resolved, but not without loss of revenue. 

They were also very unclear when we set up the account about the 2 % charge we would incur from deposits after the 30-day trial, so for every donor who sent in {$100.00} late in our fundraising, we lost {$2.00} in fees. 

My most recent, more serious problem, is that I'm not able to pay vendors through my account due to what they're calling a " security breach. '' There was no notification of a possible risk, just a message when I attempted to pay that Venmo had lost contact with my bank and I could resolve it by logging into my bank. I followed those instructions, but it did not resolve the issue. It simply looped back into the same message. I contacted customer service to see why it wasn't working, and was informed via chat about the potential security issue which they were not able to override. The agent was not able to tell me anything about the issue, why it cut off my funds, or how I could fix it. I had to ask three times for a supervisor to help, at which time she said she'd escalate the issue and I'd hear back in an email. The issue has been ongoing for at least five days ( the night of our event I was unable to pay vendors ), and there does not appear to be a resolution. I have been inconvenienced and embarrassed by a financial institution that I placed my trust in to operate my business, and evidently they are not capable of resolving it. I will be closing my business bank account as soon as my funds have been transferred to my bank, and I do not recommend opening up a business account with Venmo unless and until they work out their very egregious kinks.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NY)

And XX/XX/XXXX I apply for the Apple credit card I did have a fraud alert and a credit freeze I have lifted my credit freeze on my credit file stated that anyone is applying in my name any bank who is receiving my application I need to contact me to verify my identity but Goldman Sachs refuse all theyre telling me is to reapply and thats what I did reapply when I realize that something is really wrong they even ask me for My ID I gave them my ID I still yet they are sending an email stated they could not verify me In XXXX I receive a third email stated that I may have another account open in my name I have asked them the information of that account they refuse to give me it they sent me to XXXX XXXX XXXX XXXX said there not stopping them from verifying me because they are seeing almost XXXX inquiries Pull from them I must go somewhere else and apply for a different credit card and see what happened so in XX/XX/XXXX I apply for a XXXX XXXX XXXX  credit card and a XXXX credit card I was approved in XXXX for the both cards and yes they did call me to verify that I am the one that is applied for the card I do not know if its discrimination thats why them do not want to call me to verify me but if they do not want to verify me they need to take them self off my credit report
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

It has come to my attention Capital One is illegally reporting a collection on my consumer report that was both never verified or validation in accordance to 15 USC 1692g. I also never gave Capital One permission or written consent to report this account to my consumer report in accordance to the privacy act of XXXX  and the GLBA. I'm requesting this information be blocked and removed within 4 days as required by law while capital one is being investigated. I also attached an FTC Fraud report below.
Consumer complaint received 2021-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I have a mortgage serviced through Dovenmuehle. They have failed to pay my property tax installments out of escrow for XXXX per the original contract. First payment was due on XX/XX/XXXX which was never paid. Now the full payment of XXXX is due by XX/XX/XXXX and still hasnt been paid. I called several times and emailed a letter with a copy of a tax bill on XX/XX/XXXX. My issue still hasnt been resolved even after talking to managers at the company.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

All accounts reduced credit limits without any adverse payments or total balances. Dropped XXXX XXXX caused a domino effect. Has disgrace my credit worthiness and I believe our credit characters were discriminated and defamed. Synchrony Cards XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All have had dratic reductions affecting our scores.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a clam of fraud because someone debited {$300.00} from my account. I feel they were truly unprofessional in the handleing of my case. They concluded i guess that i was not being truthful and responsable for the missing money. In there terms of agreament it states we as card holders have zero liability for fraudulent chargers. 


I need to know what body of evidence did these geniuses use to come to there conclusion. I hope so much they made there choice on face rather than personal options and feelings. 
Bottom line it wasnt me who debited {$300.00}. 
Please help me i feel like a nobody with zero power and only delt as an annoyance rather than a client.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IL)

I had previously worked with Loan Depot earlier in the year to refinance my property. In the end I decided to hold off on doing the refi due to the pandemic & economy. On XX/XX/2020 I decided to get quotes again to start the refinance process. Their website prompted me to submit an application and asked me a number of questions about the property as well as other PII data including a section to enter my banking credentials to pull my bank account balance information. Upon completion, I got an email saying that someone would be reaching out. 

On Monday XXXX/XXXX/2020, I received a call and the agent inquired about the number of floors in my condo 's building. When I told the agent it was a high-rise, I was informed that Loan Depot does not provide refinancing services for high-rise buildings. They made me provide my PII, pulled my credit report as well as my XXXX XXXX  account balance info only decline my application due to the buildings height, even though I had answered a question about height of the building during the application process. 

If they no longer provide refi services for high-rise buildings then the application process shouldve immediately halted before pulling my credit and collecting my personal information. After ending the call with the initial agent, I contacted customer service and spoke to a CS agent and was told that there is nothing they can do. If I want to erase the credit report pull, I need to call the credit bureaus on my own and dispute it myself.
Consumer complaint received 2018-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

We've had this credit card since XX/XX/XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XX/XX/XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XX/XX/XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE TRIED TO CONTACT XXXX XXXX XXXXXXXX .... REGARDING THIS ACCOUNT AND FILED A COMPLIANT WITH THE CFPB ABOUT THIS MATTER AND STILL HAVEN'T HEARD ANYTHING.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (VA)

This is the second time a collections agency has contacted me regarding an outstanding account at an address that I do not and have never lived at. On XX/XX/2021 I received an email from Synchrony Bank ( Merchant : XXXX ) with a creditory of XXXX XXXXXXXX XXXX, XXXX for the total of {$400.00}. The address on the account is XXXX XXXX XXXX. XXXX XXXX, Virginia XXXX. I have an ongoing investigation with XXXX XXXX Sheriffs Department ( Deputy XXXX ) of another attempt to collect debt. I have never lived at this address and have no knowledge of any purchases made at this account except for the notification from the collections agency.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX XXXX XXXX several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

XXXX of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. XXXX XXXX XXXX acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with XXXX representatives at XXXX XXXX XXXX since XX/XX/XXXX, including Customer Relations XXXX XXXX XXXX ID XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to XXXX XXXX asking that the XXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the Experian report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my Experian and XXXX are showing this account as late, when it has never been late. I have also contacted Experian and XXXX asking them to change this information so that it reports accurately on my credit reports as paid.