davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-25
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2023-04-24
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. (PA)

My name is XXXX 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted this request to XXXX, XXXX, and TransUnion. This is a request to correct a violation of 15 US Code. The information on the reports is going beyond the allowed information according to the US Code. 

XXXX XXXX XXXX ( This was sent to XXXX. Similar requests were sent to XXXX and TransUnion ). 
Confirmation # XXXX Please correct the following inaccuracies on my credit report : Page # XXXX Last Reported Employment should have been XXXX  XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX. 
Page # XXXX XXXX  XXXX XXXX XXXX Account XXXX is in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, which states ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Please remove information of account that as described by the US Code does not belong on the report. 
Page # XXXX, XXXX  XXXX XXXX, Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX, -XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX Account XXXX, this is not my account. Please remove. 
Page # XXXX XXXX  XXXX Account XXXX, this is not my account. Please remove.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with Fair Credit Reporting act Convergent Account name XXXX XXXX XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Reliable Credit Association, Inc. (WA)

XXXX closed complaint that I submitted XX/XX/XXXX. 
Reliable credit Associates a indirect lender who buys retail installment contract agreement from dealerships in Washington state charged off account XXXX for {$3900.00}. issued a XXXX to myself XXXX to IRS for charged off debt. Then yes sold retail installment contract after charge off on XXXX to XXXX XXXX XXXX on XX/XX/XXXX. Collateral that secured the debt was returned by self help repoession and at the time of self help repoession account last payment was less then XXXX with last payment made. 
Car was sold back to Reliable credit Associates per adesa online inquiry. Yet a vin search of collateral shows odometer has been exempt since leaving Idaho to Washington with no lines filed. XX/XX/XXXX filed a case in court for goods and Services that their plantiff was duly licensed to render. But yet welcome letter states your not in interest in a dealership sold gap and warranty insurance policy. But gladly accepted payments from contracts. 
Again, prove me wrong by sending account print out and proof of XXXX. 
XXXX predatory lender who hides behind dealerships whom you buy contracts from which isn't a loan security interest that you guarantee a return on, hence why after a repoession in XXXX you jumped on waiving all credit requirements to secure that interest. Plus if I am wrong why didn't the real party in interest sue me for deficiency balance?? Cause there was none.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

COMPLAINT FOR CFPB XXXX REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX  ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to EQUIFAX regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by PHL XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date. 
Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (CA)

I was never late on my account 's payments. please show me documentation showing proof of transaction, showing i was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-10
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-04-25
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. (NV)

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-24
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: DISCOVER BANK (AZ)

I received a statement from Discover card in XXXX that showed a charge from XXXX in the amount of {$160.00}. I called Discover at XXXX and got their fraud department. I explained that I had not ordered their virus protection and would never pay that much for such a program and they told me the charge would be reversed & nothing else needed to be done. Shortly thereafter I received in the mail a letter saying a dispute case had been inititated by XXXX. I responded stating that XXXX had my name & credit card # from a purchase made once before but their so called evidence had me living in the wrong state, had an incorrect IP address for my computer, had sent sample invoices & sample e-mails that did not contain my name. Actually showed two invoices ( neither with my name on them ) for {$39.00} and for {$160.00}. Discover card then reversed the charges which did not appear on my following statement. Around the end of XXXX I received the same exact evidence and letter stating they were putting the {$160.00} charge back on my credit card. I responded by sending them a letter on XX/XX/23 disputing the charge once again and showing why each piece of their evidence was not valid. I have not heard from them since. For the last 40 years I have had an excellent credit rating and this really upsets me. I am a retired XXXX and living on fixed income I WILL not ever pay a debt other than my own. Your help is truly appreciated!
Consumer complaint received 2017-10-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WRJ Holdings, LLC (GA)

Borrowed XXXX on my XXXX XXXX XXXX from first XXXX XXXX XXXX in XXXX ga. Check went directly to mechanic as I got the loan to have motor replaced. 1st payment due XX/XX/17, although car was still in mechanic shop, called and made arrangements to pay on that saturday and was told district had to approve. Never heard back so assumed it was agreeable, 3 days later car was repossessed from shop without any communication to me. Initally was told i could get car back after I made the payment and decided to do a buyout with another company. Both companies coordinated and gave me an appt time to be at New company to complete paperwork, assured car would be there when I arrived, ended up waiting 3 hours and finally being told they could not remove car from lot bc it was in repo, this was after I was told 2 other stories. Asked to speak to district. He ( XXXX XXXX ) called the following day and told me that I could not make my payment and get car only option was full payout. I asked about the branch manager ( XXXX ) telling me I could get car back and was told she made a mistake, and that everyone makes mistakes ... offered no reason or leniency for the false information and time spent. District manager was extremely rude, sarcastic, and unapologetic, refused to provide his supervisors contact info and my request to have his superior contact me. I have been taken advantage of, lied to, and my rights violated. Please help me I am a hardworking individual who recently received a layoff, gave my newer car up and bought this one only to have motor blow up 4 days later, pawned title as it was my only option and now my car has been taken for being 3 days late and after making arrangements that were assumed agreeable by lack of follow-up saying otherwise. I have made several attempts to reach out to the owners of company ( no reponse ) and also several attempts to have title bought out, none of them can happen bc they refuse to let car leave repo lot even if I pay their repo company to tow it to New title loan co to complete buyout.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NV)

Hello, I have been trying for months to cancel the credit monitoring service from Equifax. The only option available is to call in and cancel but I am never able to reach anyone. I just sit on hold for hours. Please help!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX and ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX and ( XXXX ) Account # XXXX is causing harm to my credit All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo allowed XXXX dollars to be stolen from my account via XXXX  XXXX, and ATM withdrawal. The claim had been denied due to the ATM withdrawal, which was not me. They failed to investigate properly or check any sort of cameras to prove this transaction was not me. They also refuse to refund the fraudulent XXXX XXXX payments. I offered to provide identification to verify that these charges were not done by me, as well as proof I was not in the area of these ATM withdrawals, but all of my attempts have failed. Please help. They took every cent in my name.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Since opening of acct. in XXXX XXXX Synchrony XXXX XXXX XXXX XXXX credit line XXXX XXXX I use and pay off ( for gasoline to get to work ) I have attempted to login and pay balance XXXX Thru XXXX I have trouble logging in, receiving alerts, trouble with telephone number using manual payment with debit card. I have tried several times throughout day, lunch breaks, before XXXXXXXX XXXX  weekends. Website as well as application would not allow me to login. Multiple times called automated system and asked to Be redirected to CSR or live agent, when I was transferred yesterday I was ingormened that my acct. would be deleted and I would have to re-register, since then the website and app. After several, I mean 10- 15 pictures, let me past security recapture then when I enter my correct info. Tells me that i entered info wrong. I have several screen recordings at different times and days to prove this. I have tried again and again to get to speak to someone today with no luck.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is reporting account XXXX as my account as a result of transfer from Bank XXXX XXXX in XXXX XXXX. This account is not mine and XXXX should remove it from my credit report. On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from Bank XXXX XXXX. On XXXX XXXX, XXXX, the XXXX order the XXXX Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.