davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AZ)

I have a Civil Judgment on my LexiNexis report. This judgment has been vacated by the court in question 9 months ago. The report still reflects that judgment as active without any notice of it being vacated. I submitted the dispute in XXXX of 2022 and just got a letter stating that all the data is being reported accurately. I checked and nothing was fixed. This mark is ruining my chances at any rental application.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXXOn XX/XX/XXXX, I went to my nearby Bank of America ATM ( ATM ID : XXXX, Serial number : XXXX ) to make a cash payment for my credit card. I put my credit card and chose Make a Payment option and then I chose Cash payment. Atm asked me to put can, and I put the cash of amount {$660.00} into the atm machine and it starts counting. And as soon as counting finished the ATM shows me transaction cancelled and gave only around {$170.00} cash in return. After that no receipt from the atm was provided to me and I can not see any reported transation into my account statement. I was missing approx. {$480.00} which atm machine ate. I contacted bank of America on that same date of XXXX XX/XX/2021 and when I complained about it, bank s agent told me to wait for 10 days for this issue to be resolved. After waiting for 10 days I contacted them again and now they told me again to wait for 2 months. This is not what I expected from the bank.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NH)

1 : ) Nissan-Infiniti LT Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX and XXXX  has stated this multiple of times : That the data furnisher says that Nissan-Infiniti LT 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

Nissan told me they will report it correctly ; however, this did NOT happen. 

I believe that XXXX 's, Nissan 's and XXXX 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Spoke with Lexis Nexis, XXXX, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has not.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

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

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.
Consumer complaint received 2022-01-18
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. (MI)

XXXX XXXX card number ending in XXXX I should have a zero balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault
Consumer complaint received 2023-03-30
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)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Consumer complaint received 2022-03-29
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. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for help.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

On XX/XX/2021, I wrote a letter to Ad Astra Recovery Services, requesting them to provide proof that they are, in fact, contracted with Speedy Cash in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and Speedy Cash. 

Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, Ad Astra Recover Services continue to report this account to my credit report.
Consumer complaint received 2022-07-19
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. (TX)

XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for help.
Consumer complaint received 2022-01-18
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. (NY)

Experian failed to provide consumer with proper method of verification of 2 allege XXXX late payments. On XX/XX/21 Experian sent consumer an XXXX response claiming to have verified this dispute but failed to provide me with documentation they recieved from XXXX verifying the dispute. If no documentation was provided to Experian from XXXX that means that Experian verified this dispute by mere hearsay which is in violation of multiple FCRA violations.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CT)

honda financial removed my current lease account XXXX honda XXXX XXXX that is current and in good standing a week before my mortgage closing now i cant close on house till this comes back on i need this overnighted back on my credit report all 3 credit bureau honda told me it would take 45 days when im closing in 7 this is banks mistake not mine please put back on all 3 credit bureau asap now
Consumer complaint received 2022-08-09
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-02-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I disputed enormous accounts on my credit file, on XX/XX/XXXX I  received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit report with Transunion XXXX XXXX and discovered an inquiry from XXXX Bank that was done on XXXX XXXX. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX XXXX XXXX. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

We have been unsuccessful for the past 6 years to get a loan modification on our primary residence. We have been told that we are in a unique situation where our original loan from Wells Fargo Bank was funded by XXXX XXXX. When the housing market crashed, XXXX loans were bought out by XXXX, who then sold our loan to a group of investors that XXXX XXXX currently manages it for. At this time, our loan is serviced by Wells Fargo Bank for XXXX XXXX for this " unknown '' group of investors. Due to our excellent credit and lack of financial hardship, we were instructed by a home preservation specialist to apply for a FHA short refinance of which no one at both Wells Fargo and XXXX XXXX at one point acknowledged that this program ever existed. On XXXX XXXX, 2016 we reattempted to apply for the FHA Short Refinance and were informed by Wells Fargo Bank that since they are only the service provider, that they are unable to approve us for this program and we would need to seek approval from XXXX. We then contacted XXXX XXXX of which they were unable to pull up any our information because our loan is serviced by Wells Fargo Bank. The representative at XXXX XXXX attempted to assist us, but was unsuccessful. As you can see, this is a complete run around for all parties involved. We are simply seeking a loan to take us out of this adjustable loan and put us in a fixed rate loan.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : Account Holder Information : - Varying levels of redaction for the account number across the three credit bureaus. 
- Difference in the length of the account number between XXXX and TransUnion. 

High Balance : - The high balance amount is different between XXXX, TransUnion, and XXXX. 

Monthly Payment : - The monthly payment amount is different between XXXX and TransUnionXXXX. 

Last Reported Date : - The last reported date is different across all three credit reports. 

Responsibility : - The responsibility status is consistent across all three credit reports. 

Past Due ( 30/60/90 Days ) : - There are differences in the number of days past due for each credit bureau, indicating potential inconsistencies in reporting. 

Remarks : - The remarks on the account are consistent but provide important details about the account 's history.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

My name is XXXX XXXX XXXX and I am submitting this complaint without the assistance of a 3rd party. 

CMRE Financial Services contacted me via U.S. Mail after claiming they would not contact me further. The initial contact violated the FDCPA because I did not give permission prior to CMRE Financial Services mailing letters addressed to me. The letter was false and misleading. The letter included interest charges. The letter claimed a balance was owed although the balance was listed as positive. I do not owe the alleged debt.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (WI)

I opened an account with XXXX XXXX XXXX on XX/XX/2020 sending them {$500.00} to purchase XXXX cryptocurrency. I sent another {$500.00} on XX/XX/XXXX. I would now like to sell my XXXX and now find out that my account is frozen. I have been trying to speak with someone for XXXX  days XXXX sending many emails every day XXXX now to unfreeze my account. I also called and was only able to leave a voicemail to which I have not received a response. I went to their XXXX page to see if I could contact them there. They do not let you post a message but after reading the comments about a credit card they are issuing, I found many disgruntled customers who are having the same problem, many of them up to XXXX weeks ago. 
Since I do not want to wait XXXX or more weeks to hear from them, I am lodging this complaint hoping you can do something. It almost seems like there is no one there. Is this a scam company? I am getting worried I have lost my money. This company seems to have good good reviews on the internet but how can they operate if they won't help a customer? I would like them to unfreeze my account so I can remove my money because I don't want to do business with a company like this.
Consumer complaint received 2022-01-18
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. (MI)

XXXX XXXX card number ending in XXXX I should have a zero balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WA)

I closed my wells fargo account on XX/XX/2020 and now XXXX   XXXX XXXX  said i owe {$5.00} amount and plus {$30.00} bonce checking and must pay to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I already burn up all my old checking in my born fire as their is no way theft get my check book because it is already XXXX  I also file XXXX XXXX police report as police said XXXX XXXX XXXX companies closed down 5 year ago as XXXX XXXX said sound fake set up from XXXX company as here is police cases # XXXX
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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