davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2022-08-19
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)

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. TRANSUNION has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give TRANSUNION written instructions at any time to report. The following XXXX XXXX accounts are being reported on my consumer report without my written consent. The CFPB STRICKLY prohibits this behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. ()

I am very surprised, because I have been a member of Diners Club since XXXX XXXXXXXX of 1987, and I had never experienced this kind of treatment, but excellence. 
I was having a positive balance and Diners Club according to its general policy have removed the positive balance of {$95.00}, however this time they never mailed me the refund check. 
After, calling upon them the representatives on the phone informed me that they can not resolve it, but an Affidavit form will be sent to my e-mail, XXXX. I never recived such an email and during my calls to customer service, I started to feel unfomfortable, because the department issuing the refund was not related to the customer service 's task. I was constantly told that they have been sending the affidavit, which did not land in my email box, ever. 
After, filing the complain # XXXX at CFPB, I assumed the check will be mailed. It did not arrive, and it has not been deposited or cashed. I do have a question : " why are they playing this game? Again, customer service told me that they can not issue the refund check ; it is dealt with another department and I have to wait. I have been waiting, please, help me.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX AND TRANS UNION ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX  LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
Consumer complaint received 2024-11-01
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. (UT)

XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors Equifax shows an inaccurate 30-day late entry in XXXX, which I have previously disputed. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Equifax. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2022-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was not able to get an update on the closed dispute with the results. I called the XXXX service number on my error screen when logged into service. transunion.com I was escalated to a Supervisor who stated his name was " XXXX XXXX ' Fraud Division. I was denied access to upload a new dispute and he informed me that my dispute with XXXX was 'verified " I asked him who it was 'validated " since I had sent multiple letters to the XXXX Debt Collection reporting on my file to only get a 45 Day non-response from the alleged debt to XXXX. I asked who he spoke to or how it was verified If I have date stamps and receipt of Non-Response for validation of debt to XXXX. A few hours later after the phone call, I was able to log in file a dispute online, and upload supporting documents supporting my demand for the removal of the inaccurate reporting on my credit report. I have filed a complaint with the CA Attorney General 's office and they have reached out to XXXX. Letter from AG Office on file.
Consumer complaint received 2021-04-14
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: TRUIST FINANCIAL CORPORATION (PA)

I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

XXXX XXXX  - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

Regional Acceptance Corporation- does not have a number where you can actually reach a person or leave a message.

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my credit card account spontaneously and did not give me any reason as to why. I called them directly. XXXX from BOA was unable to give me an explanation. 

I have fantastic credit. This move on their part will severely damage my credit report. I would never have signed up to use a Bank of America credit card if I knew this is how they treat their customers. For the record, I have never missed a payment and do not carry a balance. 

Additionally, now I have to change over all my automatic payments. 

If you are reading this, do not sign up for any Bank of America services. I am done with them and will tell anybody who will listen to stay away.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AZ)

Im writing this because I have inaccurate information reporting on my XXXX, XXXX and XXXX from Fed Loan Services and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, XXXX states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on XXXX it still says Fed Loan Services. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I bought concert tickets from XXXX XXXX on XXXX for {$200.00} through XXXX. I never received the concert tickets. He fraudulently induced me to transfer funds to his account. I filed a dispute with Chase Bank because I paid for a product that I never received and I was fraudulently induced to transfer funds to his account. Chase Bank refused to reimburse me or provide me any protections that are required by the Consumer Financial Protection Bureau guidelines. I have a police case report.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Someone used my Social Security number my name and my address trying to open a bank account at XXXX  XXXX XXXX. I do not use XXXX  XXXX XXXX Ive been using the same bank since I was XXXX I want this to stop I want the person using my identity to be found and jailed.
Consumer complaint received 2021-04-14
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: Santander Consumer USA Holdings Inc. (PA)

I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

XXXX XXXX  - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message. 

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report, which were established without my authorization following a recent data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my right to have these items removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-06-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (KY)

I had an account with XXXX XXXX XXXX. 
I lost my job and turned the vehicle back in. 

However I have a XXXX XXXX on my credit report for XXXX. I do not owe them this amount. The vehicle has been resold. 

I am not able to get a home loan because of this. 
Please help me get this off of my credit. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (PA)

I submitted a dispute with the 3 credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! XXXX sent me a letter that had nothing to do with the disputes claiming it was someone else.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (TX)

I received a notice of a collection on my XXXX  report on XX/XX/2021 which I immediately contacted the collection agency, COLLECTION SERVICE OF ATHENS for debt validation via phone. They were unable to locate any collection with my name, last 4 of SSN, address, or telephone number. They advised me to send a screenshot of the report that I was referring to which was sent on XX/XX/XXXX. I provided contact information such as my phone number, email, and home address which is what they used to update this account and did not respond to my email. Since no response was received, I filed a dispute online with XXXX and it was returned as verified on XX/XX/XXXX. Unsatisfied, I followed up on the email to CS Athens on XX/XX/XXXX requesting a response to my previous email. I still had not received a response and contacted CS Athens via phone once again. Suddenly they were able to find the account in question with my address because they updated it from the email I sent originally. XXXX at Compliance Department advised me that they are not allowed to contact me about this debt due to the state I reside and I will have to provide a signature requesting a fraud packet be mailed to me. After this conversation, I contacted the XXXX XXXX XXXX located in Georgia ( which I have no ties to ) in which the debt had originated. I spoke with XXXX in the billing department regarding this debt. They were unable to locate me as well due the spelling of my name not matching what they have on record for this account. They had a Georgia address on file with no SSN for this debt and advised me that there is a second account going to collections and they will put a hold on it while they investigate. She said someone will return my call within a week and if I dont hear back, to call them again. I have been back and forth with CS Athens, XXXX XXXX XXXX and XXXX  all within the last month to have this matter resolved.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute with the 3 credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! Transunion sent me a letter that had nothing to do with the disputes claiming it was someone else.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (MS)

This Speedy Cash Loan Was Supposedly to Have Been Granted On XX/XX/2021 For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I received what current information from The Collection Agency following an update from My Credit Report. Someone also recently had a Fake account in my name with The XXXX XXXX XXXX As Well Tht I had to recently get closed. Ive frozen my credit account in XXXX due to Suspicious activity concerning fraud & someone constantly trying to get accounts & loans in my name. I attached a letter from The XXXX XXXX In Proof that Im Having this current issue with ID Theft. Theres Been Several Attempts, Ive Attached Those As Well, Someone Ever Attempted To Change My Mailing Address. Ive Never Owned Or Had A Email Address Other Than My Primary & Only Address Which I Have.
Consumer complaint received 2022-08-15
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. (AZ)

Went to apply at car dealership, was told itll only be from XXXX XXXX, and pulled my credit off multiple dealers without my consent.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I noticed a few inquiries on my report that I don't recognize and I called both TransUnion and XXXX to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on TransUnion XXXX XX/XX/2022 on XXXX XXXX XXXX XXXX XX/XX/2022 on XXXX
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XXXX XX/XX/2021, I tried to send {$400.00} to my Sister-in-Law in XXXX for XXXX and not only was the transaction revoked, ( after the money was removed from my debit card account and we were told the money was available in XXXX ) but 30 minutes later my account was terminated and I was told by a CSR reading from a script that something mysterious in my profile rubbed them the wrong way. Of course, they refused to talk to me about it. I have an XXXX credit score, own my house outright for 23 years, multicurrency accounts with XXXX, XXXX and XXXX, but my poor SIL doesn't have a bank account. I was able to send her some money using XXXX and, although the experience there was a bit surreal, at least they didn't slam the door in my face and salt the earth behind me like MoneyGram.