davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CONST LLC (WI)

The company CONST LLC also known as MyConstant  and MyconstantXXXX has suddenly shut down with no explanation to investors. CONST LLC ( MyConstant ) is a platform that operates like a XXXX  loan for peer to peer lenders to connect with cXXXX XXXX XXXX XXXX XXXX  are able to receive a USD cash loan by placing XXXX  as collateral for their loan. The loan is funded by a pool of money from USD cash investors. CONST LLC ( MyConstant ) portrayed to investors that their platform was unique because the collateral from borrowers would auto sell in the crypto market if prices fell bellow XXXX  % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. On XX/XX/XXXX the company went XXXX. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX CA to XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX on XX/XX/XXXX. I personally have {$5100.00} total : {$5000.00} ( loan investments and XXXX XXXX ) principle and {$100.00} interest invested with the company. As of XX/XX/XXXX, I can login to my Myconstant account and see that the total interest earned for investors remains growing rapidly but I am still unable to make any withdraws or request changes to any of my investments. Please assist me.
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (FL)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent an investigation request to XXXX  and Trans Union. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.
Consumer complaint received 2018-02-17
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: Experian Information Solutions Inc. (CA)

For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX and the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXX and I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
Consumer complaint received 2020-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (MO)

The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX  XXXX XXXX {$190.00}, {$140.00}
Consumer complaint received 2018-11-02
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: EQUIFAX, INC. (MO)

The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX  XXXX XXXX {$190.00}, {$140.00}
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have disputed the late payments on XXXX XXXX account for months. Transunion and XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-02
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. (HI)

I have disputed the late payments on XXXX XXXX account for months. XXXX and Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-03-28
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. (CA)

I believe someone is using my credit file. I've been unable to access my credit file nor my credit score. I've been experiencing this issue for quite some time now ( almost 8 months ). I've tried myself to contact all three credit bureaus and all have informed me that they can't access my file using the identity measures they have in place. I am very concerned and need this problem resolved immediately.
Consumer complaint received 2018-11-02
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. (HI)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing ( SPS ) is in violation of 12 CFR Part 1024 ( Regulation X ). They have not responded to my error notification and qualified written request for information which is dated XX/XX/2018 and XX/XX/2018. See attached documentation.
Consumer complaint received 2018-11-02
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX there was an unauthorised transaction ( {$2000.00} ) on my credit card with a merchant ( XXXX  XXXX XXXX ) in XXXX. I gave the card to the merchant to check if it could be used as it is a USA card but the transaction was not authorised. I disputed this transaction and the credit card company resolved it against me ( on XX/XX/XXXX and again on XX/XX/XXXX ). I made the payment in XX/XX/XXXX.

I went to the merchant recently ( XX/XX/XXXX ) to resolve the dispute but to my surprise learnt that the merchant did not receive my payment. The merchant shared documents which clearly state that the merchant bank issued a permanent debit to their account for lack of sufficient proof. 
When I checked with the merchant bank, they are saying they issued a permanent debit to the merchant. They want my credit company to raise a second charge back request and then they would credit me but my credit company is saying they had already resolved the dispute and can not help anymore ( letter dated XX/XX/XXXX ). They want me to resolve with the merchant but the fact is the merchant doesn't have my payment as it was permanently debited by the merchant bank. 

To summarise, my credit card company resolved the dispute against me and I made the payment. 
The merchant bank issued a permanent debit to the merchant and ruled that the transaction is invalid.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had deposited money in to my account where I had to be logged on to my online banking which allows the doors to my private accounts I had in my portfolio to be accessed when I went and deposited the checks and everything went fine and I did my deposit just fine and also have my SER number on my receipt meaning the checks were good and there is money in my account that the money is coming out of. I put money in my debit account for me to use and my money went in there but they were telling me when they had checked the account when I was logged off they say they didn't get any information to the check pretainting that it even existed meaning they weren't able to pull up the account because its in my portfolio and I must have been logged of when they were checking the check to see if there was money in there. There was around {>= $1,000,000} in there as the best to my knowledge. Anyways they seen the amount of money me as a custome had in my Private Portfolio and they probably thought something else. I had money in my Portfolio and I have all my account number that only I can access and bank of America has no way of accessing it unless im logged on. I inherited from the Father of the XXXX XXXX XXXX XXXX XXXX and they were probably shocked of probably seeing my inheritance. Anyways they cancelled both of my debit cards out and they deleted my entire online banking which I know I have my account numbers and they are all in the VAULT. Ill have FBI pull my accounts out of the Vault but these guys or someone Forced Closed Accounts and deleted my entire online banking access as if I have passed away. I have my Force Close off Statements and what they put in the Consumer reports is false saying they had to close my accounts because I was in the negative. I've gone to every bank and tried opening an account with them and they are telling me they are not able to open a bank account with them because of what's in the consumer report. Bank of America has put in two false reports in the consumer reports and they need to be removed because they are not true and its being a ruin in my life. My life has came to a hault and nothing seems to be moving because what Bank of America has done to me.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Webcollex, LLC (TX)

CKS PRIME has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all. 
XXXX  and XXXX  has continued to report this invalidated information which is a direct violation of the FCRA.
Consumer complaint received 2022-05-02
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. (NE)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Can XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (CA)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX  XXXX
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Im disputing XXXX XXXX XXXX collection account that they say Im responsible for. Im also wanting this taken off my credit report from all credit reporting agencies. Im not disputing I once had a contract with XXXX XXXX ( later bought by XXXX ) Im disputing that I had a contract and or account AFTER XX/XX/XXXX when I moved out of the home to Arizona.I canceled my account and had them stop taking their monthly fee from my checking account in XX/XX/XXXX. At that time the account was paid in full and up to date. All equipment was left in the home. I never heard from XXXX again until XX/XX/XXXX, when I got a letter from XXXX XXXX XXXX collection company asking for {$560.00}. I tried looking for XXXX phone number to dispute it on my own but I cant find a company number and all XXXX XXXX had was the original contract from XXXX. Ive also disputed this with Experian, XXXX XXXX and XXXX. I have no bank statements showing money came from my account after XX/XX/XXXX and XXXX XXXX only sent me my original contract with XXXX.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MT)

I had auto insurance with XXXX and moved to another state so had to change companies I called XXXX and cancelled all the policies I had ( 3 ) at one time and they didnt close one of them. They held it open and now claim I owe money I shouldnt owe I have tried to resolve this but XXXX is the only credit bureau that checked into it and removed the collection from my record the other two refuse to do anything about it. I attached a copy of my new policy showing the policy date in top left corner XXXX wont even tell me the date they stopped the policy
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I am an evacuee of Hurricane Maria hitting XXXX XXXX in XX/XX/XXXX. There was no communication, Internet or mail. My family an I moved from XXXX to XXXX and when I contacted Nelnet ( student loan agency ) they had placed my account into a Natural Disaster Forbearance which was for a 12 month / 1 year period. At this moment I am still under this Forbearance, I am in Good Standing and my next payment is due on XX/XX/XXXX. My dispute is that on my credit report is showing two 90-120 day late for XX/XX/XXXX and XX/XX/XXXX. I need these lates to be removed from my report as it dropped my score and I am having problems to get a mortgage or lease in XXXX. I did not receive any email from them, they allege mail was sent however I moved and made change of address accordingly.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

XXXX
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Opened an Checking account with the terms of making a deposit of {$500.00} or more in the first 45 days and them maintain a balance of {$500.00} for 60 days from the date the balance requirement is reached. 

Will get a {$250.00} bonus if the following requirements are met. 

I opened the account in XX/XX/2018 and have had met all the requirements but still have not got my {$250.00} bonus.
Consumer complaint received 2018-11-02
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)

I was notified that a debt existed with XXXX through me accessing my credit file to discover there was a collection item in the amount of {$340.00} dating back to 2016. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and XXXX both assured me that if I paid the debt it would be removed from my credit report considering it went into collections in error ( without me being notified of the debt ). I paid the balance in full to XXXX who in turn removed the item from collections. This actually made things even worse as the collection item only updated making it a newer item meaning it would sit on my credit even longer! The issue that I am faced with now is when I call XXXX, they say they don't have a file for me ( which I know since XXXX removed it from collections ), however this still exists on my credit file with both XXXX  and Equifax. I contacted XXXX  to investigate the issue to have this removed from  my credit file only to be told after investigation that the debt would remain. I have called XXXX  several times to no avail as well as XXXX who only refers me back to XXXX as they are the ones that reported the negative item on my credit report.
Consumer complaint received 2018-07-30
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: EQUIFAX, INC. (CT)

I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and  began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https : //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on XXXX, XXXX, and Equifax as a result of these hard inquires. When I called XXXX and Equifax, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.
Consumer complaint received 2018-07-30
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. (CT)

I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https : //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on XXXX, Experian, and XXXX as a result of these hard inquires. When I called XXXX and XXXX, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.