davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Subject : Violation of U.S. Code 1681a ( 2 ) ( a ) ( i ) -and U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Account Name : ( Westlake Financial SVCS ) Account Number : ( XXXX ) Date of Reporting : XX/XX/XXXX Description of Inaccuracy : Inaccurrate Reporting WESTLAKE FINANCIAL SVCS is in violation of multiple laws set forth by Congress in regards to the following account # 1578. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( WESTLAKE FINANCIAL ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( WEST LAKE FINANCIAL SVCS ) shall not furnish any information relating to a consumer ( Me ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows of has reasonable cause to believe that the information is inaccurate. WESTLAKE FINANCIAL SVCS can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate.

This reporting is unsatisfactory, WESTLAKE FINANCIAL IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In WESTLAKE FINANCIAL SVCS 'S TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of WESTLAKE FINANCIAL nor are they " bureaus ''.

I have a right to Privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authoritization I the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a.

THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED Sincerely XXXX XXXX XXXX BENEFICIARY
Consumer complaint received 2023-07-04
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. (KY)

I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Received notice from Discover Bank XXXX XX/XX/XXXX that account has been closed because Discover Bank received information from IRS indicating no IRS tax filings found for XXXX and XXXX. 
Called bank on XX/XX/XXXX and was advised they can not reinstate account due to Discover Bank policy .... 
Also was advised the cancellation by Discover Bank has reported this to credit agencies. This action has serious impact on credit ratings... 
.
Consumer complaint received 2023-07-05
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX
Consumer complaint received 2024-10-25
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. (NV)

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my XXXX XXXX and making it difficult to obtain credit. Account listed below. 

XXXX XXXX XXXX - # XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MO)

I accidentally went out of my savings and checking account for chime. I pressed select help to call the company. The guy sent me personal texts with a link to access my phone through a quick support app where he was having put in other numbers for other accounts I have with XXXX XXXX XXXX XXXX and asked for numbers on other cards that my have credit on them. He accessed personal account info which I saw him get into through the app on my actual phone. He wanted specific days and times I get deposits. He keeps sending me personal messages to call him back to help me get into my chime account which I'm already into and he told me not to change my passwords or anything until I speak to him
Consumer complaint received 2023-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MN)

I have contacted Aidvantage on several occasions about my student loans that are over XXXX XXXX XXXX, by phone and email. I've researched about loans being forgiven after XXXX and XXXX years and wanted to know more information because my loans should qualify. At first nobody knew what I was talking about, trying to send me information or applications about other programs, saying my job doesn't qualify and so on. I told them it was about age of the loan and IDR. I submitted a complaint to the Department of Education after several phone calls and no answers. XXXX service representative even said wait in line, there are people with older loans, another said I have XXXX years only of payments. My first loans were disbursed in XXXX. Then same with emails after the complaint and someone named XXXX wrote back and forth with me saying she can't grant me that. Sorry you are angry, she said, but loans like mine need a special program to count the payments and that won't be available until the end of XXXX. So no information, answers or dismissal of my old student loans. She finally mentioned my consolidation loan in XXXX, which contains the old loans so she knows exactly what I was talking about the whole time. There is no special program, my loan just needs to be forgiven, in my research they said consolidation was included. So they want to deny forgiveness to make more money apparently and confuse people trying to clear these loans. I want real answers and my loan dismissed as soon as possible because it qualifies. I am not the only borrower with this issue.
Consumer complaint received 2023-07-04
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. (MS)

I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 2023-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BOEING EMPLOYEES CREDIT UNION (OR)

Related to COMPLAINT ID # XXXX. 

Per the last response from Being CU, completely misleading to me and CFPB with their response that their were working on the issue, so much so that they filed in court for full recovery of the loan and fees, very corrupt and misleading from their part. 

The court filling states that the car is to be delivered, it has been in their possession for over 1 month now, as it was repossessed from Boeing CU, and completely avoiding my calls. 

XXXX XXXX. XXXX XXXX XX/XX/XXXX and delivered on XX/XX/XXXX. And was given 30 days to respond, took them 21 to deliver it, not very ethical practice from Being CU and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-04
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. (TX)

I have submitted disputes on fraudulent accounts. I have also contacted the companies to receive documentation that I have signed or authorized the accounts. The companies has not provided such documentation, yet fraudulent accounts has not been removed from my credit report, which is greatly affecting my life. I have followed all steps by submitting my correct identification to identify myself and have fraud alerts on all bureaus. I would like the fraudulent accounts removed as they do not belong to me. For the XXXX XXXX XXXX auto loan it is a duplicate. One shows paid in full and the other shows derogatory with the same account number. The derogatory account needs to be removed. XXXX and XXXX has removed all fraudulent accounts, but Transunion has not removed the accounts. Please see accounts below : XXXX XXXX XXXX auto loan XXXX XXXX I will also provide proof that the accounts were removed from the other bureaus except Transunion
Consumer complaint received 2024-10-25
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. (IN)

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 2023-07-04
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. (TX)

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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I can not access my Equifax credit report via third-party methods or directly with Equifax. Equifax does not provide me with my credit report ; they only allow me online access every 30 days to credit monitoring. Furthermore, I can not access credit reports from XXXX, XXXXXXXX XXXX and XXXX XXXX. However, Equifax keeps bombarding me with promotional ads to pay for my credit report and additional credit monitoring. I have been paying for services with the above third party and can't access my credit report, which is leading to inaccurate information being reported to my Equifax Profile. When I try to dispute the accounts, Equifax does not verify them, and I continuously receive a letter advising me of my rights under identity theft. No information is requested, nor is a case/dispute number provided. I have documented these letters and my exchanges with Equifax. I have recently called Equifax and verified my identity for the THIRD time. I fear Equifax is using identity verification methods to hinder dispute processing. 
Equifax is violating the following laws : Access to Credit Reports - Under 15 U.S.C. 1681g ( a ) ( 1 ), Equifax must provide consumers access to their credit reports upon request. By not offering consistent access, they are breaching this requirement. 

Dispute Resolution Process - 15 U.S.C. 1681i ( a ) requires Equifax to conduct a reasonable reinvestigation of disputed information within 30 days. They violate this section when they fail to investigate and verify disputed accounts. 

Accuracy of Consumer Information - Under 15 U.S.C. 1681e ( b ), credit bureaus must follow reasonable procedures to ensure the accuracy of the information they report. If Equifax reports inaccurate data without proper verification, this constitutes a breach. 

Limitations on Promotional Offers - 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) regulates unsolicited promotional solicitations. Equifax 's continuous promotion of paid credit services despite unresolved access issues could contravene consumer rights in this area.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one sent a email stating they closed my account on XX/XX/2023 all because I exercised my FDIC reg e rights and filed a dispute, they also stated I would have no use of my funds and have to wait 45 days for claim to complete. I sent a complaint to their complaint email on XX/XX/2023 expressing my concern that my right address needs to be confirmed Incase of a check sent due to severe financial hardship Caused by the dispute process and me living couch to couch not being able to afford my rent because I had no access to my funds. 47 days passed since I sent a complaint which I received a confirmation email and they failed to respond or even send me any type of email updating me on dispute process which at this point 45 days has well passed since I filed dispute. I called on XX/XX/2023 to get an update I was informed that all my claims were approved and that a check was processed on XX/XX/2023 and I should wait until 7-10 business days from that date and I then expressed that any day I will no longer be at the address they had because I was moving and the representative stated if you don't receive your check just call us back so on XX/XX/2023 I called and spoke with a manager stating I did not receive my check and that I changed my address she then proceeds to tell me that i may have to wait 90 days!! to receive a new!!! check and I'm just going to leave it at that! I have already been waiting 60 days for my funds that I was suppose to have access to anyway during the dispute process and you mean to tell me due to capital ones negligence and sending a cashier check with no tracking or confirmation of address and for them to know what could happen if check is not received I will possibly have to wait another 90 days which will equal out to almost half a year all from me exercising my rights! No way!! if I do not receive a replacement check within this next week I will be homeless and left with no choice but to take legal actions I have tried to reconcile with capital one multiple times and they just seem to not care about their customers so maybe their regulator has some sense and will step in and put them back on probation!
Consumer complaint received 2024-01-09
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a right to my 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 2023-07-05
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: Experian Information Solutions Inc. (TX)

On XX/XX/2023, per the FCRA, I notified XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2023-07-05
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : 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 2023-07-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX