davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-08-23
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. (FL)

Equifax has not exercised the grave responsibility with fairness, impartiality or respect for my right to privacy. Equifax added a current employer listed as XXXX to my consumer report, along with my current home address, and personal phone number. I did not give written instructions to Equifax to add my previous employer. I do not feel safe for me or my family. This information being displayed on my consumer report is now public record. That creates a very harsh environment for me because I am constantly uneasy while at home enjoying my family time. I no longer feel safe at home or work. This is making my everyday life extremely hard to deal with. Equifax is not adhering to the federal laws put in place in the FCRA. Furnishing information without my consent has undermined my confidence in their ability to operate with integrity.
Consumer complaint received 2023-02-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. The items I'm disputing are erroneous and fraudulent. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX AV, XXXX, CA, XXXX XXXX XXXX XXXX Balance XXXX {$930.00} XXXX XXXX XXXX Balance XXXX {$900.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXXXX balance : - XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/XXXX my wife sent a total of XXXX through XXXX using my account. As soon as she informed it was a scam I immediately contacted XXXX and was told to contact my bank. The following morning I went to the bank in person and was informed since it was an unauthorized transaction I would be able to file a dispute and receive my money back. However unfortunately a week later I received a letter saying No action will be taken.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. The items I'm disputing are erroneous and fraudulent. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX Balance XXXX {$930.00} XXXX XXXX XXXX Balance XXXX {$900.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXXXX balance : - XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-08-23
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 (AR)

I call and make my payments to XXXX and pay my balance every month over the automated service system and sometimes a real live agent. 

The XXXX XXXX change hands to XXXX XXXX  XXXX XXXX over 6 months ago. I called the credit card company and talked to a customer service rep to update the banking information with the new banking XXXX information the account number staying the same. 
I made several payments after that date using the automated system and a live agent. 
When I called my payment in XXXX to the automated system the bank account they charged was to XXXX XXXX since to my knowledge it was changed in XXXX. 

Discover credit card is stating its a NSF charge it could not have been charge to that account because the bank account under XXXX is non-existent it would not be allowed to be processed. 

I have called many times and ask for them to refund the NSF because it was there error.. 

There were given permission bank in XXXX to remove the XXXX banking information and added the new banking information to XXXX XXXX XXXX XXXX XXXX. XXXX refuses to refund the {$29.00} fee. 


Im am elderly and I need my money returned immediately.
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I got and email from XXXX a month ago because I was selling my bed and something happened with the transaction and they kept asking me for money and kept saying that would be the last one, its been {$3800.00} from XXXX, {$2700.00} from XXXX and {$500.00} from XXXX XXXX, its ridiculous the amount of money they have been asking me, I called my bank and XXXX and they said they can not do anything because theres no refunds in this situation
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i checked my credit report XX/XX/XXXX i saw some hard inquires that i did not give permissible purpose. These inquires below have no permissible purpose to be on my credit report. Delete these inquires due to violation 15 USC 1681b. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ND)

I contested the inaccurate info such as inaccurate amounts /late payments/ wrong addresses/phone numbers/ amounts owed ; on my credit report and they failed to resolve the issues so now Im filling out a complaint form with you guys and if this does not work then I will pursue litigation against them.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

National Credit Systems claimed the following as a response to my previous complaint : " National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. These charges were not assessed by XXXX. XXXX XXXX has disputed her debt and XXXX has submitted her dispute to the CRAs as required by law. Additionally, we conducted an investigation of XXXX XXXXXXXX XXXX claim ( s ) by contacting the original creditor directly. They confirmed that the charges assessed were accurate and advised XXXX that XXXX XXXX never gave notice to move out. She came in and stated to the leasing office that she had given a 60-day notice to move out with previous management company. XXXX XXXX XXXX ( rep with XXXX XXXX ) stated she was employed with previous management and she never received any move out notice from her. When XXXX XXXX took over she came in the office on the XXXX of XXXX and said she was leaving on the XXXX of XXXX therefore we gave her the 30-day notice for her to sign she refused to sign and said she was not going to pay another month when she was not going to be here. They confirmed that she did turn in keys on XX/XX/XXXX If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. '' However, there are fabrications in this message. I, XXXX XXXX, DID provide my 60-day notice ( see all previously provided proof ). I also could not have possibly gone into the office of XXXXXXXX XXXX on XX/XX/XXXX as I was working a XXXX XXXX shift in XXXX, Texas. I have attached the proof from my employer. On XX/XX/XXXX I had a XXXX appointment immediately after work at XXXX and immediately went to XXXX XXXX afterwards for lab work. I do not feel proof of these medical circumstances are required at this time but if they become necessary I will provide the proof. Therefore, I could not have possibly done the events XXXXXXXX XXXX and National Credit Systems are claiming which makes these a lie and a serious violation. I am being wrongfully accused and wrongfully being reported. Lastly, I turned in my keys on XX/XX/XXXX. If they are claiming I went to the office to turn in keys on XX/XX/XXXX they will need to provide proof as it has been established that they lie in an attempt to receive money and they simply can not be trusted.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-08-23
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: Avant Holding Company, Inc. (NJ)

XX/XX/2022 - Received an email from Avant Credit stating that an application for credit could not be completed due to a credit freeze. This was a fraudulent application submitted in my name. I called Avant and reported the application as fraudulent, requested to see the application and requested that they inform the 3 credit bureaus that this inquiry on my account was fraudulent. Avant customer service said they'd forward the information to the Fraud team and the Fraud team would email an " Identity Theft Victim 's Complaint and Affidavit '' form within 5-7 business days. I could send the form back and then they'd be able to investigte and proceed. 

XX/XX/2022 - Received the Affidavit form from Avant Fraud via email. 

XX/XX/2022- Emailed notarized Affidavit form back to Avant ( at XXXX  ), as per their instructions. 

XX/XX/2022 - Called Avant customer service to follow up on the status. They stated that there is no way to speak to anyone on the Fraud team, I should email the Fraud team again at XXXX to follow up. 

XX/XX/2022 - I still have not received a response from Avant. I called again to follow up, again was told to email. I stated that I have yet to receive a response to my previous emails. Customer service stated that they would escalate my inquiry and someone from the Fraud team would respond within 14 days. 

I decided to file this complaint with the CFPB because it has been nearly 3 months since I submitted information on this case and no one at Avant will contact me.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (OR)

This is the second time this has happened. I called customer service the first time and asked this question. Why does it take 2-3 weeks for a payment to process. If I didn't mail a payment before I got a statement payments would never post on time. I was told it takes 14 Days from the time they receive the payment to post. That's way to long when is payment is made via ACH thru a bank bill pay. I asked for a supervisor non where available they took my information and never received a call back. The second time I made a payment without a statement again of {$100.00} on XX/XX/2022 thru my XXXX Bank Bill Pay Function on my Checking account. The Avant Mobile Application showed the payment received XX/XX/XXXX. The Payment Cleared my checking account on XX/XX/XXXX. The application stills shows Pending on the XXXX. I called Avant Customer Service again and was told 14 days from receipt. I got a supervisor named XXXX this time and she said 3 business days from receipt of the payment is the processing time not 14. I said it should have credited to my account then on Monday the XXXX. and asked that she makes sure the payment is credited now since it is the XXXX. She said it is pending. I will not override the processing and hung up on me. I have had this account for three months and have had this issue 2 out of 3. My payments are do on the XXXX of the month. Thank goodness I am making the 3 weeks before they are do and 10 Days before I receive a statement and the amount is significantly more than the minimum payment amount. It seems to me they are in business to wreck someone's credit and not help repair or improve like they advertise. 
They must survive on collecting late fee 's with a processing time of 14 days. I have 4 other credit cards and when I make a bill pay payment thru my XXXX bank account it is credited to my other cards within 2 days of the date sent. 

.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 



Please remove the following items from my credit report, immediately : XXXX : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX XXXXXXXX BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX : XXXX {$4300.00} Account Info Account XXXX XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX XXXX BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX EQUIFAX : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX XXXX  BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX 2023
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX UPDATE LETTER Trans Union LLC XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.
Consumer complaint received 2024-10-24
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. (TX)

RE : You violated the United States code law ( TILA ) 15 U.S .CODE 1666 ( b ) charge error ). Upon checking a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. ( 4 ) The creditor inability of truthfully depict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX XXXX : ACCOUNT # XXXX... 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX ... 

XXXX. XXXXXXXX XXXX : ACCOUNT # XXXX ...
Consumer complaint received 2022-08-24
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.