davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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. (TX)

On ( XX/XX/2022 ) I 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-10-14
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX XXXX. There is only one source of information which is the original creditor of this alleged account. How can the date of activity be different for every bureau if all of you should be verifying your information from the same source? Immediately Update this account. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

I was formerly a XXXX customer who merged or got bought out with PNC Bank. The transition happened on XX/XX/XXXX and at the time I was supposed to be able to log into my account, I wasn't able to. I figured it was probably just running a little slow with all the people trying to log in and gave it a few hours. 

A few hours later on XX/XX/XXXX, I tried to log in and my second attempt at logging in I received an error that my account had been locked for trying to log in too many times with incorrect information. 

I tried to reset my password which didn't work so, I thought maybe I was one of the people who needed to enroll and start a new account. When I did that, it tells me my information is not recognized - the information I used was my SSN and my new PNC Bank Virtual Wallet account number. 

I called the main help number and get someone who is helpful but unable to help me. They can see my account and confirm that I do have an account with PNC but are unable to help me get into online banking so, they transfer me. I was on hold for 2 hours and had to hang up because I had a meeting at work I needed to be on the phone for. 

On XX/XX/XXXX, I tried all the steps above again with all the same results except I couldn't stay on hold with them for 2 hours, only 30 minutes and then had to hang up. 

On XXXX XXXX same story except the slightest bit more information from one Help Desk employee : my username didn't get transferred over. And now here I am, typing this while waiting for someone to answer as the phone rings endlessly after being transferred to the Online Banking Division. I expect I'll let it ring for another hour and forty five minutes then have to hang up because of a work meeting in 2 hours. 

The only other way they advertise to get ahold of anyone is through XXXX. I've messaged them several times there in response to their " How can I help you '' threads as well as sending them DMs - none of which have been responded to. 

I can't get in to pay my bills! I can't get in to see my accounts! I can't get in tomorrow to check to make sure my paycheck will be deposited because now I don't trust that anything will be done correctly if they couldn't even port over my username correctly. 

I'm in IT - how was there no testing of anything? No double checking that they got everyone? They took months to get this transition set up and they miss people? There are LOTS of people on XXXX who are in the same or similar situation. It also sounds like you can't go into a branch and have them help you- they refer you to the Online Banking department.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (OR)

I have contacted the company numerous times and they can not provide any information on the validity of the debt. I was a customer of XXXX, but paid them off upon changing insurance providers. Several months later, the following appeared on my credit report showing a XXXX balance. I have contacted both the collection agency and XXXX with no response. I have submitted disputes with XXXX and the information comes back verified. 

The debt was paid before going to collections, the collections account was put on credit report starting with a XXXX balance, there has been XXXX validation from the agency nor any communication from them. 

-- {$0.00} Reported balance Original balance {$130.00} Opened XX/XX/2019 ( 3 yrs, 0 mos ) Original creditor name XXXX XXXX  CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-08
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 (AL)

On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that XXXX provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my XXXX credit report. All 4 times XXXX responded that LexisNexis Solutions provided them with such information. I then ask LexisNexis whether they provided XXXX with a method of verification and LexisNexis does not have any record of a bankruptcy on my report. I then requested that XXXX removed the inaccurate bankruptcy on my report and XXXX refuses to do so. Per the Fair Credit Reporting Act XXXX has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to LexisNexis and XXXX and request that LexisNexis dispute that they verified a bankruptcy to XXXX.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

The payment to the credit holder WF/XXXX was paid on time prior to the regularly scheduled due date. Due to a fraudulent alert when the payment was processed by Wells Fargo the payment did not go through. In contacting Wells Fargo they agreed that the payment was paid before the due date and that they caused the fraudulent alert on my account causing the payment which was made on time not to process through their systems until after the due date. WF/XXXX   representative agreed to remove the delinquent payment notification to all of the credit bureaus. This has not happened. I have also tried to work through their dispute systems and they have not been willing to correct the information on the account. The incorrect information shows the account was delinquent on XX/XX/2016. Wells Fargo is the collector for XXXX who made the mistake in processing the payment on time.
Consumer complaint received 2019-06-18
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. (GA)

To whom it may concern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Consumer complaint received 2021-10-14
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. (NJ)

As a consumer I demand Equifax, XXXX and XXXX remove the accounts listed on the affidavit of fact for a list of the violations from these accounts Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Equifax reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974.
Consumer complaint received 2022-08-03
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: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

XXXX XXXX XXXX Midland Funding XXXX I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (WA)

Its been a month ( XX/XX/XXXX ) since Ive asked Discover to send XXXX XXXX their money back for a balance transfer that was sent from XXXX XXXX to Discover in error. Ive called Discover numerous times and was told to wait longer. Finally, on XX/XX/2019 I called Discover and was told that XXXX XXXX must fax a request for the money ( no one called me to tell me Discover is waiting for this fax ), yet XXXX XXXX already sent this request back on XX/XX/XXXX ( trace # XXXX ). Discovers customer service throughout this fiasco has been tragic and infuriating. Today I spoke with the executive office after filing a XXXX  complaint to expedite this crucial issue, and I was simply told there is an an open investigation with no promise of performance. 
XXXX XXXX case # XXXX - Discover case # XXXX - XXXX XXXX sent request for monies : XX/XX/2019, trace # XXXX
Consumer complaint received 2021-12-21
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: GUARANTEED RATE INC. (NV)

XXXX XXXX XXXX XXXX Guarantee Rate Branch Manager/VP of XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX NV XXXX NMLS ID : XXXX On XX/XX/XXXX I reached out to XXXX XXXX and company regarding a hard inquiry notification I received. I did not authorized them to pull my credit in XX/XX/XXXX or XX/XX/XXXX. When I spoke to XXXX XXXX she advised me she read an old email from me and sent it to her assistant to run my credit! She was out of the country at the time according to our phone conversation. She apologized, and I stated very clearly I wanted the hard inquiry removed. I did not provide consent. Nothing was signed, no verbal or written consent was provided to XXXX XXXX and Guaranteed Rate to run my credit. I requested for a ballpark estimate back in XXXX as I was going to purchase a home, but did not want to run credit yet since I wasnt sure. However my report was pulled when XXXX XXXX requested to review my prior tax docs. Fast forward XX/XX/XXXX she ran my credit again, however this time I made it absolutely clear I wanted corrective action. Still upset from XXXX incident, she made a mistake again. 4 months have passed since and no updates have been given. Id like to have an investigation open as I now have 2 unwarranted hard inquiries from this company without consent.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (MS)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( 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 futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CO)

I had a secured credit card with XXXX XXXXk and I closed the account because of the fees and they had returned my deposit bank to Key Bank on XX/XX/2021 per the letter they sent me. They let me know it was sent back to the card ending in XXXX. This card was linked to my account with Key Bank that was closed out in XXXX of 2021. I have contacted Key Bank several times and they have stated several times that they did not receive a payment of XXXX back to the account from XXXX XXXX The checking account number is XXXX and it was the card ending in XXXX.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

So Exeter finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help
Consumer complaint received 2022-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (DC)

On XX/XX/XXXX, I ordered a car using the Carvana app. I chose to trade in my previous vehicle and take out a new loan to satisfy my previous car loan and cover additional expense related to the new car. I selected to transfer my license plates from my old car to my new car. I picked up my new car and finalized the deal on XX/XX/XXXX. 

Earlier, the week of XX/XX/XXXX, I called and chatted Carvana to confirm that my plates would be transferred and that they would do it for me. Two different representatives confirmed that was the case - one on the phone and one on a chat. 

On XX/XX/XXXX I renewed my DC tags per Carvana 's guidance that my plates would be transferred. I paid {$110.00} and have attached the receipt and a photo of the new tags. 

On XX/XX/XXXX, I got an email from Carvana that they would not be able to transfer my tags, because they expired in two weeks. I emailed them back with no response from the company. I called and talked to an associate but it was already too late in the registration process to stop the creation of new license plates and registration. I asked for a credit for the {$110.00} ( which would now be part of my overall car loan ), but which I paid separately for out of pocket under the expressed guidance that my tags would be transferred. The associate said she would request the credit. I called back several times after that spending hours on the phone talking to several different associates who said they understood my issue and would request the credit only to have all of those requests eventually denied. 

You'll see on page 1 of the contract I am including in this complaint that the overall {$42000.00} price of my car ( the amount of the loan ) includes {$110.00} for the DC registration fee. 

Numerous calls and countless hours of talking to the company to try to get the credit issued have gone unresolved.
Consumer complaint received 2022-08-24
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. (TX)

It has been 5 months since my first dispute regarding the fraudulent items being reported by the XXXX and TransUnion Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 2021-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TN)

I have paid off my amount for the XXXX equipment that I purchased back in XXXX of last year. My last payment I paid in full with no balance owed this year in XXXX. I was told that I would not be penalized for missing a payment due to the representative inserting my method of payment incorrectly. The manager stated that he will take care of it and I would not be charged for a late fee. I have been harassed by email and calls for the amount that Conns XXXX are saying that I owe. I have been back and forth with different reps there that said they will take care of it, and when it comes to find out they did not. I did not hear from Conns until XXXX of this year stating that I owe them. I thought it was taking care of because the Manager stated to me earlier this year that it would be taking care of. I am being Harassed!! Im am tired! They are not trying to resolve this issue.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I am encountering extreme delays using Coinbase. I was told that it would take 9 days to purchase Bitcoin from my bank account. This is quite a long time in the Bitcoin environment. All transactions that I have done that lost money from sending and receiving have gone through immediately. My last transaction, Coinbase added a 3 day delay, even though I have 2 factor authentication, which is supposed to protect my account. I see no reason for the delay except the company trying to gold the coins they are unauthorized to do. There is no response from the company. The say they need me to verify my identity... When I try to verify my identity, it always fails.