davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (WI)

received a credit report and my information is inaccurate and filed a police report also because my name and information was used multiple times in fraud. told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXXXXXX XXXX XXXX These are all the inquires I seen when I looked over my credit report. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I made an online purchase at Kohls for XXXX on XX/XX/21. A small part of the order ( around {$36.00} ) was delivered. The rest of the order never shipped, so I called on XX/XX/21 and was told that shipment was never given to the shipping company ( who I also contacted ). I was told that I would receive a refund within 7 days. When I didnt receive the refund, I called back and was told no refund was ever processed. Supposedly the refund was processed again and I was told to wait 7 days again. After 7 more days and no refun and 4+ hours trying to talk to someone I was told the exact thing for a THIRD time ( well process the refund and youll have it in 7 days ). In the meantime I received an email ( after my refund had supposedly been processed ) documenting that they never sent my merchandise. They are running a scam so they can keep my money and the interest Im being charged when they ( based on their own admission ) never sent the merchandise.
Consumer complaint received 2019-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NC)

A collection agency named Transworld Systems reported a {$1100.00} collection account on my credit report. Prior to this account appearing on my credit profile, I never received a notice of my right to dispute. Additionally, I have attempted to contact Transworld Systems countless times by phone and fax to find out more about this supposed debt, what it is, and see if I can resolve it. They never answer the phone, nor respond to my faxes or e-mails. I've even tried to go to the address they list as a business address on my credit report, but no one is ever there. I believe this is a mistake, and was placed on my report in error.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Allegiant Capital Recovery LLC (MO)

A XXXX from Allegiant Capital threatened with taking me to court and scared me into paying XXXX $ over the phone. They keep calling me and my work place even though I clearly asked them not to. They would not send me a receipt or any paperwork about what the debt is about or that I paid XXXX XXXX
Consumer complaint received 2021-05-24
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: ENOVA INTERNATIONAL, INC. (GA)

I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency ( XXXX XXXX ) stated that they don't report to credit bureaus. I contacted the company ( Net Credit ) whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted XXXX to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to XXXX and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by XXXX for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to XXXX  about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.
Consumer complaint received 2022-08-20
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. (NY)

To whom it may concern I the consumer sent Transunion a letter on XX/XX/2022 demanding deletions of multiple accounts that were reported on my consumer report. I never gave any written instruction to Transunion to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). I demand Transunion provide proof of written instruction from myself the consumer instructing them to furnish a consumer report. These false and misleading practices used by Transunion to obtain my consumer information from XXXX XXXX and various sources violates15 USC 1692e ( 10 ). They have committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and the use of deceptive means without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to report this information on a consumer report for me. I have tried multiple times to get Transunion to delete these alleged debts owed, late payments and collections reported on my consumer report. I have disputed Transunion on XX/XX/2022 and XX/XX/2022 through the CFPB portal and now on XX/XX/2022 I sent a letter to remove this. I suffered from the obscene and profane language on my consumer report of alleged debts, late payments and collections. I also suffer from anxiety and XXXX because I'm unable to obtain insurance or housing. My family and I suffered from abuse from Transunion. By Transunion obtaining my consumer information without any written consent and furnishing this on a consumer report, caused hardship for myself and my family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ). 
Transunion knowingly and willfully obtained my consumer information under false pretenses from various sources without my consent to furnish a consumer report and service their customers. This violates my rights as a consumer according to15 USC 1681q. My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without my consent so they can service their customers such as creditors, employers, insurance companies, landlord 's etc. This violates15 USC 1681 ( 4 ) my right to respect and privacy as a consumer.
Consumer complaint received 2022-12-22
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: CBC Companies, Inc. (IL)

I have a big issue with the credit reporting agency mainly check systems as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies check system mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX XXXX  report and which is internal repairs on my credit they're using XXXXXXXX XXXX which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would lse baby we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA (OH)

My information was sold to a third party without my authorization. In accordance with the fair Credit Reporting act Goldman Sachs Account ending XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (LA)

I entered a consumer credit transaction with MACYS 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 MACYS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. MACYS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2020-07-05
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. (VA)

There are acounts listed on my credit report that do not belong to me. There are also inquries that do not belong to me. Remove these accounts and inquiries and do not allow fraudulent info to be reported on my credit.. Please send a copy of my updated credit report. 

To remove these fraudulent acounts fom my credit report, along with these unauthorized inquiries. Please send an updated copy once these items have been removed.
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Every time I try to get ahead on payments, they change the way their interest is allocated or say that I missed a payment even though I'm on auto debit. They have stretched out interest payments as long as they can always finding ways to not actually allocate my money to the principal of my loans. I have now probably paid a few thousand extra or will pay in interest because they can't just be straight forward and take money out and apply it to loans that are supposed to receive the money. Their system makes no sense and it seems they're just trying to keep the payments going for as long as possible to XXXX as much money out of me as possible.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

My paypal account was limited on XX/XX/2020 and it says that after 180 days I can finally withdraw funds from my account. I received an email on XX/XX/2020 stating that I am now eligible to withdraw the funds from my account but now that I am trying to withdraw them Paypal won't let me.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

EQUIFAX Has now returned to my credit report, an account that is in charged-off status which is the result of credit card fraud. Fraudulent charges began in XXXX, and led to the charge-off in XXXX. I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my XXXX attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, XXXX, XXXX, Equifax ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX  XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXX - XXXX XXXX ). This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

XX/XX/year>, I provided a copy of my tax bill to Shellpoint Mortgage, due to the company stating they did not have an update to copy. XX/XX/year>, I received a letter stating they could not pay for the same reason, not having a copy of the tax bill. The same day, I sent a copy via the provided email and copied my original loan officer. Weeks later and several phone calls later, one with my original loan officer from XXXX, no solution or taxes were paid. Due to working for the XXXX of XXXX, I can not owe any debt, so I paid the bill of {$2700.00} plus the late fee on XX/XX/year>. In addition, I did not want to continue to be delinquent on my property taxes. I contacted Shellpoint to make them aware and requested a refund of my escrow. In addition, I followed up with an email a few days later, XX/XX/year>. After several phone calls, I received a letter stating, I would not be able to draw down my escrow due to not having the loan for a full year. Once again, I called and discussed the reason for requesting a refund ( unpaid taxes in which I was forced to pay, though I had more than enough in my escrow to cover the bill ). As of today, I have close to {$9000.00} in my escrow account and would like a refund to cover my out-of-pocket expense and to pay future bills. Please note, XXXX also assisted by contacting their corporate office and was unable to solve the problem ; however, they are still working to assist with the refund request. Please assist with this concern, thank you.
Consumer complaint received 2021-05-07
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. (TX)

Hello I have 5 accounts with affirm all showing balances of, ( {$380.00}, {$340.00}, {$270.00}, {$990.00}, {$250.00} ) and 1 account that shows a late payment which are all incorrect and I have paid these on time. I asked for debt validation and have not received any documentation to validate the debt. I have sent 3 total letters through certified mail first on XX/XX/XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Second letter XXXX USPS Tracking {$9400.00} XXXX XXXX XXXX XXXX XXXX. Third letter XX/XX/XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Have had no success getting any debt validation or any sort of documents related to the 5 debt accounts and the 1 account with a late payment. Also I exchanged email correspondence with affirm ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and asked I provide them with the Affirm ID 's so I could get the validation. After I provided the numbers I received no response and now I am left to pursue the CFPB as well as legal counsel to help remove these inaccurate items on my report. 

Experian is not helping by allowing Affirm to continue this and I will seek monetary damages for this if it is not removed.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (PA)

I have alot of unusual activity on my credit report in which i have been disputing and is falling on XXXX XXXX, this is harming my credit score and harming me from obtaing funding from banks and loaners, i also satisfied a hard inquiry by paying off the agreed amount and it is still affecting my report. This is illegal and unfair. Please help me erase all these frivolous XXXX authorized reports.