davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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. (IL)

On XXXX of XXXX, I submitted to XXXX, XXXX and Equifax a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my Trans Union credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-05-15
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: EQUIFAX, INC. (NC)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I have contact well fargo and transaction made online on my debit card over XXXX $ and welfargo denied my claim i dont made purchases online I only purchase to the store only I need them to do something about it they can denied my claim over XXXX thats a lot of money to be denied they need to reimburse me the money
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC (AR)

I financed my solar panels through Mosaic. At the time, XXXX  XXXX, now XXXX XXXX, offered the financing through Mosaic. I was told by the representatives that I would receive a tax credit and that tax credit could be used to maintain the initial monthly payments. I later found out that I would not receive any money back from the panels, instead there would be credits issued over a number of years when I file my taxes. On the mosaic contract, it stated that if I paid roughly {$20000.00} on the loan, I could keep the payments of XXXX monthly. If not, the monthly payments would go up to roughly {$500.00} per month. I had no idea that I would not receive actual money from the tax rebates. I contacted mosaic on several occasions and asked them to keep my payments at {$350.00} since there was no way possible I could just pay the money from the tax rebates. I was told that the payments would remain the same. 
Let me first state that I wanted the panels and did not have a problem making the monthly payments. My concern are the deceptive practices. They tell customers that they will receive a tax credit as if there is actual money coming from the irs when that is not true. I was thinking that I was going to receive money to be applied to the loan to keep my payments low and thats not what happened. 
I am complaining to this agency so that something can be done to warn companies of their deceptive practices and predatory lending practices.
Consumer complaint received 2021-11-05
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: GOLDMAN SACHS BANK USA (GA)

On XXXX I placed an order with XXXX for {$160.00}. 
XXXX it shipped from XXXX On XXXX i started tracking ( bc in the past their packages have always arrived quickly. 
From XXXX to XXXX it showed just sitting with no updates or movement. I tried to contact XXXX via their app, as they don't have a phone number, no one every replied. 
On XXXX I filed a dispute with my cc for the amount. The package still hadn't moved and XXXX still would not reply. 
On XXXX I ordered the items they still had and we DID receive that package quickly. 
On XXXX I checked again and it still showed sitting in transit with no movement ( attached screen shot ) FINALLY on XXXX at XXXX : XXXX EST XXXX sent me an email telling me the package was lost and asking if i wanted a refund or for them to reship. 
I replied within an hour and advised them I wanted a refund because I had already reordered and received the other items. I also had to click a link on the email and click refund. 
I did NOT cancel my dispute as I have learned to not do that till refund comes thru. On XXXX, Goldman Sachs emailed me that they found in favor of XXXX and I was not getting a refund. I contacted Goldman right away and asked how they could find in favor of XXXX when the package was lost and they even said it was. I was told that XXXX told them I ordered the items. I explained it was never an issue of me ordering them the issue was the package was NEVER delivered. So Goldman sachs made me open a 2nd dispute for this same issue, which i did on XXXX. This time I sent them the email from XXXX stating the package was in fact lost. 
On XXXX, i get another email that they sided with XXXX again. I called Goldman again to find out how in the world they could side with XXXX when I sent proof it was lost. They said XXXX sent them proof it was delivered. Since it was not delivered I asked to see the proof. On XXXX i got a photocopy from Goldman that showed the package was IN TRANSIT on XXXX, This is also a screen shot i had from XXXX showing the package was " in transit and not delivered ''. 
Nothing shows it delivered. And again, XXXX emailed me on XXXX stating the package was LOST. I asked for a supervisor at Goldman and again was told they would have to open a dispute. So this is the THIRD time they are making me dispute this and refuse to help me. I have the emails, screen shots and what Goldman sent me showing it was NOT delivered. Goldman will not allow me to talk on the phone with them and constantly make me use texting. It is not going on 5 months and they refuse to help.
Consumer complaint received 2021-09-07
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. (NY)

I already disputed this account XXXX XXXX  with account number XXXX and it was deleted from Equifax & XXXX  in my credit reports. However, on my updated credit reports XX/XX/2021, the account appeared again as a new item but under a different name which is XXXX XXXX XXXX ( but obviously the same as it is still XXXX XXXX ) with the same account number XXXX and is reporting negative under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it was added back again.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (AZ)

MoneyLion is reporting an account on all 3 of my credit bureau reports claiming I owe {$1000.00}. I never opened an account with MoneyLion and believe this is the result of identity theft and fraud. MoneyLion attempted to take close to {$1000.00} out of my XXXX  checking account in early XXXX  2021. I had to close my checking account as a result. I demand that MoneyLion provide me a copy of the signed document so that I may turn this over to my local police department in conjunction with an identity theft report I have already filed with the government. I also demand MoneyLion immediately cease reporting against my credit reports.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2021-08-12
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 — Investigation took more than 30 days
Company: The Bureaus, Inc. (TX)

Please remove the accounts I have listed here. These companies have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (CA)

Company has ignored documents pertaining to my letters requesting proof of their assertions I was going to imminently be arrested for my unpaid debt. They told me they were working with government agency and they discovered I had hidden assets. That isnt true but upon looking into it. There no agency that will come arrest me for running from XXXX in credit card debt that came as a result of identity theft. Theyre illegal tactics have gotten scary
Consumer complaint received 2019-08-09
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: Innovis (AL)

I received a copy of my credit report on XX/XX/2019 and noticed this inquiry that I did not authorize. On XX/XX/2019 sent the creditor a dispute letter asking for proof of authorization and they sent a stalling letter asking for the same things that I sent in the original letter.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BILL.COM, LLC (CA)

My employer has forced me to use Bill.com for direct deposit of funds. Bill.com was linked to XXXX checking account. The XXXX checking account was closed. 

Bill.com would not provide prof of the funds being returned from XXXX XXXX. Trying to work with my employer to re-issue payment has failed. 

Following Bill.com customer service instructions to link XXXX to Bill.com have sadly been incomplete ; leaving out the fact once a new account has been verified, the member has to go in and archive the closed account. Then the newly linked account activate the new account by sliding a selector to an ON position making the new linked account the default for in and out transfers. 

Im totally baffled in their lack communication and instruction. A second paycheck this week lost into oblivion. 

I want the funds owed to me plus penalties. California I am entitled to 3x {$65.00} ( {$190.00} ) for XXXX lip service, failure to provide transaction numbers of funds being returned from XXXX XXXX. Purposely misleading me, stating its some other entities problem but not theirs. 

XX/XX/2019 Payment {$65.00} x 3 = {$190.00} XX/XX/2019 Payment {$65.00} Both are lost. Ive been told I receive a check in the mail but now find them to be utterly untrustworthy. 

I need the lost funds plus penalties issued to me electronically to the linked XXXX account within 10 days or I shall be forced to file in small claims court. 

The forced arbitration clause is not valid for you have not provided an opt-out method. California has struck down forced arbitration the does not allow for a person to opt-out.
Consumer complaint received 2023-06-09
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. (AR)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are being updated rith away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avid Acceptance, LLC (CO)

The company continues to call and email after a payment has already been arranged. There is no valid reason for the call other than to harass or to get my wife and I to overcommit ( commit to making ANOTHER payment despite arrangements already having been made. ) This is very clearly bad faith. 

Furthermore, after requesting they stop unnecessary and thus harassing contact, they purposely misconstrued my request to stop ALL CONTACT, again in a show of bad faith.
Consumer complaint received 2020-09-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (IL)

I made a XXXX over the phone. I was told that was the payoff amount. Looked on line it was asking for {$13.00} dollars more. I paid it because I want to get rid of this company that only care about interest and not the principal. I was told I would receive a letter in my email that the loan was paid off in full within 24 to 48 hours and all three credit bureaus will receive confirmation that the loan was paid off in full. It has now been 72 hours. I just want my letter so I won't have to deal with this Fraud unprofessional money hungry company ever again.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (UT)

Kay Jewelers is reporting a debt on my credit file that I need removed. I have called multiple times to them and their third party XXXX and every time I call they said they can't find me in the system. However, the continue to report this debt on my credit file and I do not owe it. At this time I am asking that Kay Jewelers send me validation of this debt. I am requesting proof that I am the party you asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I am not requesting for verification but validation. I will also inform you that if you continue to report invalidated information to any of the three credit bureaus, this might constitute fraud under both federal and state laws. IF any negative mark is found or continues to report on my credit I will have no choice but to contact the Attorney general of my state and consult for legal suite .
Consumer complaint received 2021-04-04
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. (CA)

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, And Equifax have not removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within XXXX  days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-11-05
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: SYNCHRONY FINANCIAL (CA)

Charged back amount of {$80.00}, I disputed transaction and was unable to obtain a credit. We went to an establishment, and none of the machines or food services were available, but because we walked in, we were unable to get our money back. This was all told to XXXX  but they closed the dispute and didnt return funds back.