davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
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)

I have reached out to each of the Credit Bureaus and they have failed to respond to any of my disputes. I reached out to them on XX/XX/2020 and informed them that I was a victim of Identity theft and that the accounts on my report did not belong to me. They have refused to respond to my request.
Consumer complaint received 2022-12-31
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (MN)

complaint : XXXX CFPB keeps sending emails requesting feedback, but the complaint has already arbitrarily been close. NOT POSSIBLE TO GIVE FEEDBACK. 
XXXX has made honest attempt and succeeded at resolution. As to Equifax... I suspect they may be part of the identity theft. Not possible to access my account with Equifax. 
I had sent certified mail to each of the reporting agencies on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the Equifax data breach may have got into the hands of the wrong person.
Consumer complaint received 2023-06-12
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)

I submitted multiple disputes to remove the following XXXX XXXX Accounts : XXXX XXXX XXXX XXXX These accounts have been charged off and I have not received any of the 1099 cancellations of debt forms. These accounts should be removed from my credit profile immediately.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc. (TX)

XX/XX/XXXX I requested a credit limit increase and was denied on the grounds " limited credit experience '' XX/XX/XXXX I requested a credit limit increase and was denied on the grounds " time between request is too short '' XX/XX/XXXX I requested credit limit increase and was denied on the grounds " time between requests is too short '' XX/XX/XXXX I called and asked customer service what does " limited credit experience mean? '' She stated it means I have not held the card for 3 years. 

The reasons for denial are a violation of my rights as the consumer and only true creditor. 
The laws violated are as follows 12 CFR 1002.1, 12 CFR 1002.2, 12 CFR 1002.7, 12 CFR 1002.9 The codes violated for denial are a violation of my rights as follows 15 USC 1681a ( k ) & 15 USC 1691 ( a ) 3 ENCLOSED : Copies of the federal law in favor of I the consumer, original and only true creditor. Copies of the USC and 3 denial letters from Avant Credit Card Company.
Consumer complaint received 2023-06-12
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

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  ( EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (CA)

From XXXX of XXXX I submitted multiple letters to Experian, XXXX and XXXX to please investigate and show me proof and validation of the items reporting on their Credit reports with my identity. To this day, nothing has been furnished or provided to me with proof of debts and amounts they illegal report to the world, when I apply for credit which is negatively impacting my personal life. Here is sample of the letter : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX -please delete and remove this account from your report..XXXX  XXXX XXXX XXXX please delete and remove this account from your report XXXX XXXX XXXX XXXX please delete and remove this account from your reportXXXX XXXX XXXX XXXX- please delete and remove this account from your report - XXXXXXXX XXXX XXXX XXXX- please delete and remove this account from your report- XXXX XXXX XXXX, XXXX- please delete and remove this account from your report- XXXX XXXX XXXX bank card services- please delete and remove this account from your report- XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-04
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a 0 balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by COVID-19. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section XXXX of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with Transunion, XXXX, or XXXX and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.
Consumer complaint received 2023-06-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} Chapter XXXX Bankruptcy XXXX Reference # : XXXX Chapter XXXX Bankruptcy XXXX Reference # : XXXX
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$54000.00} XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-05-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (WA)

RECEIPT OF UNREQUESTED XXXX XXXX XXXX VALIDATION LETTER AFTER STATUTE OF LIMITATIONS EXPIRY On XX/XX/XXXX, I received a telephone call from Transworld Systems Inc representing XXXX XXXX XXXX XXXX XXXX  ). The collection agent told me that I owed money for a private college student loan. I stated that I knew nothing of this debt, and that I had never received a private student loan in college, the conversation ended shortly after that. At no time during the conversation did I request a validation of the debt. 

On XX/XX/XXXX, I received a 46-page debt validation letter that I did not request for a loan that is 7 years past the statute of limitations. 

Upon reviewing the document sent to me it showed that the loan defaulted on XX/XX/XXXX, and according to the Washington attorney generals office the statute of limitations has expired for this type of debt.
Consumer complaint received 2024-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year> I saw a post from a friend selling something for {$500.00}. I thought I Was sending her money through XXXXWells Fargo but it was actually going to scammer through XXXX  for {$500.00}. Immediately i reached out and called the bank in which she took my information and said they would file a claim. The claim was worthless as days later I received a letter simply closing the claim because they could not refund me the money as I sent those funds through XXXX. I did not receive a call but the letter did not address the intent from the bank to try to have those funds sent back to me. As a loyal customer for almost 20 years this was very disappointing that this was the resolution with no explanation or protection while offering a service. I would like my full {$500.00} refunding to me in order to resolve this. 

Thank you,
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (FL)

Barclay 's sent an offer for 0 % balance transfer/cash advance. I initiated {$11000.00} on XX/XX/XXXX. The funds were received with a {$550.00} transaction fee. Shortly after, my card was declined for a purchase. When I logged into my account, I saw that there were 2 transactions for $ XXXX sent. I contacted Barclay 's in early XXXX. They indicated I should see the second $ XXXX I did not request shortly. After calling my bank a few days later, and Barclay 's again, there was no second $ XXXX sent. Barclay 's then admitted they have a known issue duplicating all cash advances, and they were working to resolve. I explained that it put me over my credit limit with the second $ XXXX they show sending me, but did not send. They had no resolution. They advised that they were not going to report the inaccurate balance to the credit bureau ( their reporting date of XX/XX/XXXX ), but I saw my report today and they did. 

They even charged me a second fee of {$550.00} on XXXX, for a transaction they know they did not complete. 

After more than a month, they have not taken any steps to rectify, and they reported known inaccurate data which harmed my credit while I am applying for a car loan, which now negatively effects my credit score and thus my interest rate will be higher. 

Steps I have recommended : - Send me the $ XXXX they charged me for, so I can pay it back to them - Provide a temporary credit on my account of $ XXXX since they know the transaction is their own error ( treat it like a fraud release ) - Fix the error, and set my account right In 33 days, they have not resolved. It has impacted all of my auto payments, and cost me significant time to deal with resetting credit card information, as well as the multiple calls to them to try to resolve to no avail. I filed a fraud claim with Barclay 's, about Barclay 's transaction, but no action has been taken.

I am completely out of options since Barclay 's is not taking this issue seriously, although everyone at Barclay 's is aware of it.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NH)

The customer, which is me, thought that autopay was set up in XX/XX/2023 after the vehicle was leased. He connected his bank account for the first lease payment and expected that this account would continue to be debited for the duration of the lease. Instead, auto payment was not set up and as a result payments were not made. Although Mazda sent paper statements, it never used the customer 's email address or cell phone number to communicate that payments were past due. As a result, the customer did not become aware of past due payments until he received an alert from his credit monitoring service at which point he made the payments immediately. Mazda should have notified the customer in an effective manner upon the first missed payment, especially on a new account. Failure to do so resulted in a decrease in the customers credit rating and material damage to the customer.
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

This complaint outlines multiple concernsirregularities, ethical lapses, and legal shortcomingspertaining to a vehicle sale contract executed with XXXX XXXX XXXX on XX/XX/2023. I was XXXX  due to XXXX  XXXX at the time, a state substantiated by XXXX  records and a XXXX XXXX XXXX XXXX. The dealership further compromised the contract through misrepresentation and a lack of due diligence. 

Background Incapacity to Contract : My XXXX  XXXX episode is supported by XXXX  reports and a XXXX hold. 

Dealer 's Misrepresentation : Despite XXXX miles on the odometer, the vehicle was inaccurately presented as new. 

Lack of Due Diligence : The salesperson facilitated the transaction, ignoring clear indicators of my XXXX  state. 

Details of Complaint Incapacity to Contract Timeline : XXXX  and the XXXX hold occurred in close proximity to the transaction date. 

Medical Evidence : Multiple XXXX  reports and XXXX XXXX  corroborate my XXXX  state. 

Misrepresentation of Vehicle False Information : The car 's XXXX miles contradict its " new '' label. 

Consumer Impact : This misrepresentation materially influenced my decision to contract. 

Lack of Due Diligence Unethical Conduct : The dealership facilitated the transaction despite blatant signs of my XXXX. 

Harmful Consequences : I am now burdened with an unlawful contract, facing considerable financial distress. 


The actions of XXXX XXXX XXXX stand as both ethically and legally dubious. I urge the immediate intervention of the CFPB in this matter.