davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (LA)

This company call World Finance Corp. have sent ( 4 ) account to the 3 credit bureau which they told me that they was going to do. I explain to them that they was not mine. The first one is Acct : XXXX Date Open : XXXX Amount : {$760.00} Acct : XXXX Date Open : XX/XX/XXXXAmount : {$760.00} Acct : XXXX Date Open : XX/XX/XXXXAmount : {$0.00} Acct : XXXX Date Open:XX/XX/XXXXI told them they was not mines and to removed them from my credit report.They told me that when the credit bureau contract them they was going to tell them they was mine and they did just what they said.I know they can only go by what the company say.How could they be so wrong and do thing to people just to collect money. Always call your house and threatening you by tell you your credit will be ruin if you don '' t pay this off.I don '' t understand how they can do this and get off .They call me all the time tell me to pay up are they going to seen a letter to my SSA and collect the money from them. I live on a month-to-month basic. All I ask is please help me get this stop all the threatening is upsetting me.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (KS)

I filed a dispute for an unauthorized charge by XXXX account I do not hold, but my card info WAS saved on walmart.com on my actual walart account and someone like hundreds of other complains I seen, hacked their website and stole my card info and made a {$260.00} charge on my account, chime refused to stop that charge from being completed even though I called an hour after I received the alert, the problem could of stopped right there.they refused to stop that payment and said I had to wait for the money to be taken from my account then dispute it.i did that, I stayed in contact with XXXX also who sent me an email saying they flagged the account using my card as fraud.i sent that email to chime, chime claims they investigate with XXXX yet XXXX has no info on them communicating and dosent understand why my claim was denied as XXXX can see I didn't make that order XX/XX/XXXX for {$260.00} on my XXXX account and there's no reason to denied my claim.chime made no effort to check with XXXX to see if I had an order on my XXXX account at all for the {$260.00} amount charged on my card, they did find the charge on my card but see it wasn't made by my account. I even tried to call XXXX to stop the order someone else made immediately and they also refused to help because I had no order number because IM NOT THE XXXX ACCOUNT HOLDER. Chime refuses to refund me saying there was no error made. It was fraud not an error. They have no clue what is going on as they do not listen. I want my money back they never properly invested in contacting XXXX to ask if my XXXX account shows an order at all for that amount.nor did they bother reading the XXXX email I forwarded them saying they flagged the other account for fraud.how do you deny a claim whiteout properly investigating with the company that received the money from a stolen card number? XXXX said there is no reason and it's concerning that chime has done with and will be in contact with chine to question why I was denied my money back.in my XXXX with chime I have never had a problem but the first time I do have a problem I begged them to stop payment on as soon as it happened they act like I'm a liar. If I was lying I would not have called right away apon my text alert of the charge to stop this from going on. I sent them the email yet was told they determined there's no error and I won't get my money back, yet they didn't investigate with XXXX to even see that I was not the one who made the order or who it's shipped to. This is a horrid policy and damages their customers funds that are kept with chime. My money XXXX be refunded according to XXXX. Chime has done a XXXX loyal customer wrong
Consumer complaint received 2023-07-26
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. (MI)

There are errors on my credit report. I contacted the lender directly and I was not able to get my questions concerning these errors addressed. XXXX reported on XX/XX/2021 that account was last active. XXXX also reported XX/XX/2021 was the last payment date. XXXX reported last active date was XX/XX/2021 and last payment was XX/XX/2021. Equifax stated XX/XX/2021 account was last Active and on XX/XX/2021 last payment was made. All these errors on my report makes it impossible for me to understand. This is frustrating and has caused me a great deal of stress. Please remove this account off my credit report.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (SD)

An answering service told me to call a number with a case number, they called my son 's cell # which is not under my name which is concerning to me. The lady would not listed, stated she was collecting for HSBC which I've never had and confirmed with the credit bureau. I swore at them and they swore back stating I would be served and in court within XXXX hours. I'm tired of being harassed, I know it was stemmed from a XXXX XXXX breach years ago. They know my social, DOB, phone #, address, things about my checking which is now closed. Phone for answering service was XXXX the supposed collection agency XXXX with a reference number of XXXX.
Consumer complaint received 2023-07-26
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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 in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I was not notified 5 days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent. It has been over 60 days since XXXX has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 168XXXX ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXXXXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX XXXX XXXX  Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX  Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.
Consumer complaint received 2023-07-26
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. (MD)

I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, XXXX, and TransUnion Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.
Consumer complaint received 2023-07-27
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. (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-27
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)

Trans union and XXXX as well As XXXX XXXX continue you report negetive info about my report without my written consent they keep allowing 3rd party debt collectors report and they infringed on my privacy15 us code 1681 a also n 18 us code 8 I mean I am my own creditor I have unlimited Credit yet its the law that they inform me about reporting on my report then they have to have my consent to do So but they never have
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

On XX/XX/2019 I moved out of an apartment complex having given 60 days notice and all rent and bills paid in full. On XX/XX/19 I received an email from XXXX XXXX with a move out statement attached claiming that we owed them {$1100.00}. I replied to the email stating that I did not agree with the charges for the following reasons : 1. A move out walkthrough was not done by a member of management or the office staff ( they had sent the maintenance guy over who verbally said everything looks fine, he did not have any paperwork to sign and gave no indication that there would be any issues. ) 2. No evidence of any work being needed or having been carried out such as photos, receipts etc. 
I received no reply. I then received a second email on XX/XX/19 stating that I had to pay the above amount. Both of these emails came from the apartment complex and even though I replied I did not receive any further communication from them. 
On XX/XX/19 I received a letter dated XX/XX/19 from a company called I.Q Data International claiming to be a debt collection agency and wanted payment of {$1100.00} On XX/XX/19 I  sent a dispute letter via certified mail to this company asking them to verify the debt, provide proof that I owed the debt and in the meantime to not contact me. On XX/XX/19 I  received a second letter from the company dated XX/XX/19, again, asking for payment of {$1100.00}. 
On XX/XX/19 I received confirmation that my dispute letter had been delivered to the PO BOX stated on their letter and then on XX/XX/19 that my dispute letter had been delivered  to their office. 
On XX/XX/19 I received a third letter from the company, again, asking for the amount {$1100.00} to be paid ( this now includes interest ). They had received my dispute letter 14 days earlier yet made no attempt to show proof of the debt and instead demanded more money from me.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

After being contacted by XXXX  three times, the last being XXXX, Toyota Motor Credit Co ( Account XXXX ) refuses to remove reference to Chapter XXXX filed over seven years ago.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card ending in XXXX with a capital one Business card, it was opened on XX/XX/2022. I am not associated with the business, and I didn't give consent to Capital for this Business card, I never used the card.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I contacted XXXX XXXX regarding the re-appearance of an old account that was deleted. First of all the removal was for an error account that was not mine. Second of all this reporting was deleted due to inaccuracy issue and reappeared again. XXXX XXXX  stated that I need to contact the credit bureau EXPERIAN regarding this reporting ERROR. 
I did NOT receive any writing documentation from the creditor XXXX or the credit bureau as a statement within 5 business days from this false information was reported by error based on the 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed or never existed from a consumer 's credit report. 
XXXX failed to provide any documentation based on the U.S. Code stated above.

CREDITOR HAS NOT MET ITS OBLIGATIONS UNDER FCRA 15 U.S.C. 1681S-2 AND THE ASSOCIATED REGULATIONS KNOWN AS THE " FURNISHER RULE '' AT 16 C.F.R. 660 CODE.
Consumer complaint received 2023-07-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to PORTFOLIO RECOV ASSOC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2020. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney. I will attach the dispute letter that was sent 6 months ago which is dated and time stamped.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TX)

I signed up for an account in XXXX with bbva. When I opened the account I called to make sure the bonus would be sent and agent verified I would have it by the end of XXXX .I have called several times to inqore why I havent seen the promised sign up bonus. All requirements have been met. Secured emails have gone unanswered and no bonus has posted
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-26
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. (IL)

15 U.S.C. 1681 S-2 Responsibility of Furnishers ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer agencies to which the person furnished the information and that compile and maintain files on consumer on a nationwide basis.. 

I Feel my FCRA rights are being violated because the accounts listed below was reporting to all three credit bureaus now they deleted off different credit reporting agencies in not all but not all Violations of my Consumer Rights 15 U.S.C. 1681 # XXXX XXXX XXXX  ( XX/XX/19 ) # XXXX XXXX XXXX ( XX/XX/19 )
Consumer complaint received 2023-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reported to the credit bureaus that I did not make a car payment and that my balance went up as a result. This damaged my credit score. This was not true. Bank of america did a 30 day investigation and came back that because my payment history was good that they must have reported correctly without looking at the reporting. I filed disputes with all 3 credit bureaus and bank of america responded to them that their reporting was correct. It was not correct. This resulted in the bureaus not fixing the credit issue. Bank of america then corrected the credit report but did not respond or contact the credit bureaus to let them know that their original response was not correct and that they have made corrections. My credit is still damage and Bank of america still denies responsibility despite reporting incorrectly.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy Case # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX  XXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.