davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (FL)

representative calling me from an XXXX, stating she's a manager/supervisor attempting to collect a {$500.00} debt from XX/XX/2018 from a personal loan, and she could not name the company from whom is trying to collect the debt, but states she is trying to collect now {$2200.00} total. I do not have any outstanding personal loan debts from 2018. 
Representative had my SS # and DOB, which concerns me. As I continued to try and get more information, she hung up the phone and we were disconnected. As of today, I will be putting a freeze on my credit to avoid any further issues.
Consumer complaint received 2023-08-24
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. (TX)

Please help me! 
I tried reaching out the Equifax and XXXX with no luck. I read online that I have the right to a consumer credit report showing 100 % accurate within the XXXX mayor bureaus. I recently disputed an account from my credit report it was removed because of the inaccurate information on the account. XXXX deleted account as well as Equifax and XXXX, however XXXX and XXXX decided to reinstate account on my credit report without a XXXX notice. I read about a law that states if credit bureaus reinstate an account that was recently deleted that's a violation of my consumer rights and that I can be compensated for {$1000.00} if account is not removed from my credit report. 
Please help me, see attached letters.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime (FL)

After notifying this company and General manager of my pre approval and wanting to come in to finsih my consumer credit transaction, the GM proceeds to decline my transaction thus informing him a cash down payment is not required nor a deciding factor. He managed discriminate my credit transaction informing me I can do business else where. Pursuant to TRUTH LENDING ACT AND 15 USC 1605a the term finance charge is defined as the sum of all charges this includes the charge of a down payment.. after notifying both the GM and Drive Times customer relations supervisor of my consumer rights and my right to credit and certain transactions. I have reached out to the customer relations support email in hopes to reach out to their legal team in review of my consumer rights and public law and knowledge.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

As of today XX/XX/23 at XXXX ; XXXX, XXXX is derogatory reporting an account with incorrect information! I have asked this be corrected on numerous occasions and nothing has been resolved. I went to my XXXX XXXX this morning to refinance my auto loan and discovered the report contains errors. Firstly, that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting this account as " OPEN '' in the amount of {$550.00}. THIS IS INCORRECT -account # XXXX IS CLOSED! See the attached. 
Additionally, XXXX is showing me lender a current score of XXXX, but when I log in-the customer, the consumer, my score is shown as XXXX a difference of XXXX points!!!! I really wish this would get resolved, I have spent countless hours trying to get someone to help and they do not seem to care and are infringing ALLLLLLL OOVERRRRR MY RIGHTS! I am very closed to getting the Attorney General for the State of Florida involved. This is not right and they know it. 
Best, XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (DC)

" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
Consumer complaint received 2023-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KS)

I have a Parental Loan in my father 's name, but I make the payments and have been authorized on the account multiple times.On XX/XX/XXXX my loan balance was {$2200.00}, on that day I made a payment to Ed Financial in the amount of {$2200.00} which should have paid the loan in full. This is the only payment I have made since XXXX. In XXXX I got an email from Ed Financial saying my account had moved to their new billing service, my account number changed and I needed to create a new account in their new system. I didn't understand why I needed to create a new account when my account had been paid in full, but I logged in to the new account. the new account showed a balance of {$2200.00} with no payment history. I still had the ability to log into their old billing system with my previous account and saw that there was a payment received by Ed Financial in the amount of {$2200.00} dated XX/XX/XXXX. I have no account of a payment made on XX/XX/XXXX in my bank history. But my bank statement does show a payment made on XX/XX/XXXX. I called Ed Financial on XX/XX/XXXX to inquire about the payment and was told that it could take up to 6 weeks for the payment to post and to check back in two weeks. On XX/XX/XXXX I checked again and the payment has not posted. I emailed Ed Financial with the same inquiry and was told it could take 2-3 business days for a response. On XX/XX/XXXX I had not received an email response so I called again. Each time I call they ask me to put XXXX on the line for authorization even though the forms have been filled out multiple times to authorize me on the account. I was authorized and the agent put me on hold to research my account. I was on hold for XXXX minutes and then the call disconnected. I called again and was again asked to have XXXX authorize me to be able to speak to the agent even though I had been authorized less than XXXX hours earlier. XXXX was able to authorize my account and the agent again put me on hold. When she came back from the hold she said their system was not showing a payment and I could provide proof of payment and they would research it on their end. The process could take 45-90 days and in that time I would be expected to make regular payments. I provided the documentation I have, but with their system changing the date of my payment I can only imagine the response will be the same.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2022-07-01
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Ive contacted Transunion, XXXX, and XXXX about inaccurate balance for XXXXXXXX XXXX XXXX The balance is showing up {$360.00} and {$360.00}.
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MO)

My bank has been trying to payoff my car loan since XX/XX/23. Sent multiple checks. I have had to call multiple times and have been hung up more times than I can count. Finally today after being so fed up and speaking with rep after rep all saying the check was not received I asked for a supervisor. He stated no payoff check has been received. At that point I tracked the XXXX  package myself and see the check was indeed received by Ally bank ( for the XXXX time ) on XX/XX/23 at approximately XXXX. I inform the supervisor of this to which he puts me back on a lengthy hold and finally comes back with the processing center does have the check. But still won't post to my account until Tuesday ( Another 4 days ) Not only was this aggravating & asinine but seems extremely unethical to hold over XXXX XXXX dollars for days without posting it to the customers account. The reasoning was to ensure the funds cleared, but Respectfully that is only my problem if the funds are returned. Also someone can call the bank directly to verify funds ( I work at a bank and its done every day ). It seems Ally is trying to rack up those extra daily fees late fees ect & most importantly affecting my account history and possibly my credit just to pad more money onto the payoff. It's really unfair & unacceptable on top of lieing about even receiving the funds. I will attach if able screenshots of the multiple calls made the info sent from the bank and the tracking info from XXXX.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX payment history is INCOMPLETE. Payment for XXXXXXXX XXXX, XX/XX/2016, XX/XX/2016, XX/XX/2016 ' is missing. 

XXXX XXXX account is INCOMPLETE ; it is missing the 'Date of Last Activity '. 

XXXX account is INCOMPLETE ; it is missing the 'Date of Last activity '.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXXXXXX XXXX ( XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

I've some stock options from my employer company, I sold some of these shares and asked to transfer for my bank account in XXXX. It's a very usual operation, but is the first time I'm doing that with XXXX XXXX ( JP Morgan Company ). This operation was done in XXXX, the estimated time to receive the payment in my bank account was XXXX, usually this operation take hours, not days. I called XXXX XXXX everyday since the last 7 days, nobody can solve the problem, and telling me to wait because they don't what's happening. Passed 2 weeks ( today is XXXX ), they don't give any consistent information and I don't have my money transferred, I've bills to pay and they are joking with my money. 
When I called him the first time, they told the was done, I asked the receipt and some information to check it with my bank and they didn't give that. Today, I called again and they told me, they don't have the information and are contacting my bank. It's unacceptable situation and os penalizing me as a customer, so I asked your support to solve this situation. 
Support case registered in XXXX XXXX system : XXXX.
Consumer complaint received 2023-08-24
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: BMO Bank, N.A. (NV)

Yes, I have called this Past Sunday on XX/XX/2023. I have reported that my card was lost/stolen and I have also found 6 unauthorized transaction. As I reported which transaction they were. I was told to call back once the pending transaction gets posted to the account. As I was calling back like 3 days later. I was on the phone for about 2 hours due to the fact that each rep had hang up on me and I would have to constantly repeat myself!!

So i'm not sure if i'm getting help or what the deal is. I don't want to be responsible for these 6 unauthorized transaction and I'm not sure what the deal with the customer service department. I'm also tired and fed up about calling back all the time since you guys keep hanging up the phone on me!
Consumer complaint received 2023-08-24
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: Navient Solutions, LLC. (CA)

XXXX is running me around and around in loops, knowing full well that I have the supporting document needed to correct my Credit Report. NAVIENT, my student loan servicers issued me an In-school deferment effective XX/XX/XXXX through XX/XX/XXXX, as I am back in school. I sent the In-school deferent along with my account statement showing the correct loan and the deferment showing XX/XX/XXXX through XX/XX/XXXX. My XXXX Report currently shows I am 90 days for XX/XX/XXXX and 90 days late for XX/XX/XXXX, which absolutely decimated my credit score, which they refuse to correct even though they have the proper documentation and I submitted a proper dispute. I am being taken around the garden path and can get no assistance from XXXX. Please assist me!
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (KY)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 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 2023-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paysend US LLC (NY)

On XX/XX/2023. I saw this company called paysend on XXXX to send money to my foreign bank account. I always use a company called XXXX. Paysend was offering a better rate so I said let me give them a try. I never recieved the money in my foreign bank account. I send paysend numerous email with reciepts of my bank statements of my foreign bank account money was never recieved. They gave me a reciept that was fraudulent. I called my bank in XXXX XXXX they never recieved the money. The receipt paysend provided was no good. Even the contact person number they provided number was not working. Its a number of a person in another country. I have sent numerous emails with no resolution just that it was given to a different department. I have provided the reciept of paysend and my foreign bank account. The receipt paysend gave me that said my funds was deposited. This company should be banned from doing service in the United States.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My credit report is showing up with different information. Two accounts ( XXXX XXXX XXXX ) should have both fallen off my account but they are still showing up on one report but not the other. I need to know why they are still showing up and proof as to when they should be off my credit report. Also Why are they showing up on one report and not the other. See attached documents. One says no negative Information but the other two have negative information. 
XXXX is supposed to fall off XX/XX/XXXX  but it is showing up in my report XXXX was supposed to fall off XX/XX/XXXX but it is still showing up in one report.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I disputed a account thats on my report from XXXX on XXXX throught the credit bureaus. But they were taking so long to do any type of resolution I just went into XXXX myself to pay off the account to resolve the matter. I dont care that its not mine and I know its fraud. its such a little amount bringing down my score. When i wen into the branch on XX/XX/14. They said they have no record of the account. Not on my name or the joint owney they say on there. How can the bureaus verify and account when the bank thats reporting it cant even pull it up? Ridiculous
Consumer complaint received 2023-08-24
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.