davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report.To this day, 60 days later, I have not recieved a response as of today. I am feeling like I am being ignored about my disputes.In Section 611 ( a ) it plainly states if they dont investigate these items within 30 days it gives reason to immediately remove these items from my credit report.It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation for the stress you caused me..My information was also impacted by the equifax Data Breach and may have fallen in the hands of the wrong person
Consumer complaint received 2021-05-29
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. (GA)

Several accounts was opened and several inquires listed in my name. Called the bureau explained that my identity was stolen & to remove them but they did not. I explained that this is not mine. Please help me with this issue. I have a sent them the attached police report before along with the other documentation and they do nothing.
Consumer complaint received 2023-01-18
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I opened a XXXX XXXX XXXX account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my XXXX  checking account and {$20000.00} into my XXXX savings account from my current bank, Santander. It left my Santander account on XX/XX/2021. I received the funds in my XXXX  account on XX/XX/2021 and was able to see it in my XXXX mobile banking app. On the same day I received it, that night I received an email that my XXXX  account is locked and to visit a branch. I visited a XXXX branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my XXXX checking account, but my {$20000.00} was gone from my XXXX  savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the XXXX branch and they told me that XXXX reversed the {$20000.00} deposit and it should be back in my Santander in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my Santander account. I went back to XXXX XXXX on XX/XX/2021. XXXX said they didnt have the funds because it was sent back. They had me call Santander and Santander said they hadnt received any funds from XXXX. Then XXXX said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same XXXX  branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the XXXX branch on XX/XX/2021 and they had me file a claim with Santander bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

I applied for an offer from XXXX XXXX XXXX and was denied by Chase I already have a XXXX   credit account and am a XXXX XXXX account holder. I was not declined for those reasons instead they told me I had Deliquancy or public record. 
I have a Bankruptcy that will be off my record this XXXX after 10 years. Also told me number of new requests which was a problem with the credit bureau last year that has been resolved. Length of time since oldest credit. My first credit was when I was XXXX and I am now XXXX and last Length of time since most recent public record. I got a VA loan in XX/XX/XXXX and last record was the Bankruptcy in XX/XX/XXXX.

When I filed Bankruptcy I did list Chase as a creditor and I believe that is the reason for this decline. Discrimination.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On about XX/XX/XXXX, we were solicited by Lakeview Loan Servicing , LLC for a refinance of our mortgage. Lakeview is the loan servicing company for XXXX which held our existing mortgage. XXXX had us spend countless hours providing them with information and documentation. They had us pay for an appraisal that cost us {$740.00} and after more than 5 months they ultimately denied our application based on vague and ambiguous reasons, e.g. " Too Many Inquiries ''. They allowed one loan lock period to expire without any communication. When we inquired about the status they asked for more information and extended the loan lock period to XX/XX/XXXX. During this time our financial activities were put on hold while we waited for their decision. They could have and should have made their decision prior to us spending all that time and money on their refinance process.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

My son 's computer was somehow used, on XXXX XX/XX/2021, to hack into my PayPal account and purchase two gift cards for {$55.00} and {$56.00}. The companies that the gift cards were through were : XXXX ( {$56.00} ) and XXXX ( {$55.00} ). In addition, they purchased {$100.00} of Bitcoin ( BTC ). The gift cards equaled the amount that was in my PayPal account and the Bitcoin was purchased with my linked bank account XXXX. XXXX was able to give my money back because they believed it was a fraud. PayPal, on the other hand, did not reimburse me saying, " The case was closed as this transaction is ineligible for PayPal Purchase Protection. '' I have spoken with PayPal several times on the phone and filed four claims for the gift cards purchased under my son 's name ( XXXX ) that I have never received, but have been denied reimbursement all four times. I have contacted my insurance company, XXXX XXXX XXXX, and they have been helping me try to recover my money. The agent 's name that is assisting me is XXXX XXXX and her email is XXXX. XXXX also put in a claim through XXXX and it was denied because they saw no fraud. I also submitted a police report through my local sheriff 's department and filed an IC3 complaint through the federal government. Furthermore, the criminals who hacked my PayPal account changed my SSN and my Password. I was able to change the password and put my original SSN back in. What makes this even more obviously a fraud case is that I have never purchased Bitcoin or gift cards from these companies or ever for that matter. Additionally, the Bitcoin was purchased at XXXX XXXX  my time. I was asleep at that time.
Consumer complaint received 2021-07-19
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. (GA)

I have disputed a bankrupcy on my credit via online and in the mail. Transunion is the only credit bureau that cotinues to claim they have verified this bankruptcy. I have sent out a letter requesting physical proof or signature that this is my bankruptcy. They have failed to do so but have sent me a letter saying the verified the information thru the courts. So I made an appointment and went to the courthouse to obtain my own prtoof that this is not my case. In addition it's against the law to put incorrect information on someones credit. So this is my last complaint because the next step is filing in court so transunion can provide proof that they legally verified this claim. Whats sad is EVERYONE knows that the court does not provide information to third parties. None of the creditors listed are on my credit report because they saw that the accounts were created fraudulently.
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The AFFIRM INC must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : AFFIRM INC XXXX Balance : {$270.00}
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

on XX/XX/2023 American car center closed. Left their consumers high and dry. On Social media I found out that XXXX XXXX XXXX took over. XXXX has never made contact with me. I believe that American Car Center scammed and broke their contract with me. Not only that I have a list of items wrong with the vehicle they refused to fix. I believe this is wrong on so many levels. I would like the title to my car and my money back. I made all my payments on time. I never missed a payment. So I hope you can help me. The contract itself has a lot of holes in it. if you need anymore paperwork let me know
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-11-07
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. (AL)

I have asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 I read that it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-19
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: R & B Corporation of Virginia (WI)

So the internet was used at a cabin to keep a camera and thermostat up and running. We had open an account with XXXX  that the information on card to debit from was wrong and they closed the internet on XXXX XXXX and we reinstated it XXXX XXXX paying the bill in full and other charges minus the XXXX early termination fee that should of been on the close out bill that I paid of XXXX  some dollars, then we started the new service and from what I have emails and been told that service should never of been opened with out a paid in full bill of what I thought I paid when we closed the old account. Fast forward 2 years on XXXX we found out there was a XXXX dollar charge from collection agency when I went to buy a house. I new nothing about. When calling the collection agency they had the wrong contact number and it took a while to find out it was a bill to me.. paid it that day and did not realize how bad this is impacting my credit since I knew nothing about it in two years and have no mailbox at the point of internet. I have paid XXXX  bill for the last 3 years with no problem. They admitted to a mistake says XXXX XXXX email from XXXX.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-17
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2021-02-13
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)

The big 3 ( XXXX experian, and XXXX ) has not performed independent investigations. I sent letters and notified ( XXXX, Experian, and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (TX)

I accepted and paid a settlement agreement offered XX/XX/20 for {$450.00} which included complete removal from my credit report. 

CMRE keeps re adding the record to my report after it fell off. 

I got a payment confirmation code but never got payment confirmation letter
Consumer complaint received 2021-05-29
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. (FL)

XXXX  subserviced by XXXX  account number XXXX. I am having issues with this Mortgage Company as of XX/XX/2021 the account is finally payed in full after numerous phone calls and holding my final payment in suspense for almost a month. As you can see I have payed off over XXXX in the past two months. This company reported a missed payment in XXXX after an initial XXXX payment. REALLY?? After speaking to 5 associates I was assured by all, that this would be taken care of. Well guess what it hasn't and my credit has dropped by over 100 points. We were looking to buy a new home, but can't because of my current score.
Consumer complaint received 2023-03-03
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 HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 

In accordance with the Fair Credit Reporting act. The List of accounts AND INQUIRIES below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 cause to believe that the information is inaccurate.