davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I access my free annual credit report from all agencies using the designated site since its inception. For the last few years, at least, I have not been able to access the report from TransUnion online and always have to request a paper copy. This adds an unnecessary delay when trying to mitigate fraudulent activity associated with my social security number. Considering there have been prominent major security breaches at retail, tech companies, and the government, the issue of instantaneous access is more important. 

Recently, I was notified that there was a workers compensation claim submitted on my behalf. I have not seen a reduction in hours, been laid off, or terminated due to the pandemic so this issue is concerning. I have notified my employer and state officials. However, when trying to access resources to determine the scope of potential threat I can not access my credit details online from TransUnion. I have called and was instructed to request the paper copy, which I did, but again when things happen at the speed of technology using paper and the mail greatly reduces the ability to get ahead of the problem. The steps the annual credit reporting site uses to verify my identity for TransUnion do not work. Trying to resolve the issue online requires a XXXX or XXXX account and their contact us page offers little to no help - it is like going down the rabbit hole. No ability that I found to get instant help to fix my account to work better with the annual credit report site. I appreciate the extra security but there appears to be a flaw in their system that wants users to request the paper copy and when time is of the essence they are no help.
Consumer complaint received 2021-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (VA)

This account is with the Lending Club. I paid on it for three years no problems no lates, excellent history account was paid in full in XX/XX/2021 and they recently updated my credit report to show account is closed versus paid on full which has a negative impact to the credit score my score in fact went down versus app because the account is showing closed when it was in fact a healthy paid in full account and Im not getting the credit that I deserve in the reporting of such a great history!! I dont think that its fair that a company can show an account as closed when it has in fact been paid in fulland on time because that has a negative algorithm when the calculations of credit scores gets re-generated by the credit bureaus. I think that CFPB needs to step in and make sure that these companies are reporting the account status as paid in full and not closed because it is an installment account not revolving which impacts your score differently!!
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC (PA)

User name XXXX on XX/XX/2021 try to withdraw {$9100.00} for eToro Use llc something happen in their account department which required additional information in order to complete my withdraw. An email was suppose to be sent out in 24hours with instructions .No email was sent out .I been while for 3days .I open several tickets to see the problem no respond yet. The amount is still pending!
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  / XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have two accounts that are not mine on my credit report. I've reached out to all three credit bureaus trying to get this fixed and I've talked to multiple representatives from all three credit bureaus to resolve this issue and they keep saying it's been verified. So i reached out to the original creditor and they sent me a letter saying they no account with my name or SSN on it. I have sent these to the credit bureaus and they still haven't deleted these accounts can you please help me
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (TN)

To Whom It May Concern, I am writing to express my profound disappointment with your agency 's handling of my recent dispute regarding the accuracy of several items on my credit report. By 15 U.S.C. 1681i ( 7 ), I demand a detailed account of the steps your agency followed to verify the accuracy of the disputed items. You are required by law to provide me with this information, including the business name, address, and telephone number of any information provider contacted, within 15 days of this request. Furthermore, I regret to inform you that I have been a victim of identity theft and a data breach incident. I previously notified your organization of this matter and have also filed a report with the Federal Trade Commission, which is enclosed for your reference. Under 15 U.S.C. 1681c-2 ( a ), your agency must block and remove any alleged fraudulent items within XXXX business days of receiving my complaint, including the documentation enclosed below. The following accounts are fraudulent and must be deleted from my credit report immediately : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX - XXXX The alleged deviation from compliant reporting standards and the questionable factual accuracy are unacceptable. I demand an immediate and thorough certification of the claim 's accuracy across all facets, supported by undeniable truth and precise verification. It must demonstrate complete accuracy, timeliness, and strict adherence to regulatory reporting requirements, including the non-negotiable mandate of flawless XXXX XXXX formatted compliant reporting. If you don't meet these criteria, it's necessary to remove the entry.
Consumer complaint received 2021-02-28
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. (GA)

I have contacted this company on several occasions to have these items from from my credit report as the accounts was part of a litigation. The credit bureau have not investigated the account and sent letters within days saying that all the information was accurate. The account are from XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  all on my XXXX reportXXXX XXXX XXXX  on XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
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: EQUIFAX, INC. (TX)

I notified the credit bureaus of misinformation on my credit report and they failed to fix the problem. I initially asked for an investigation and they failed to investigate properly and sent me a generic letter without making any corrections to my reports. I asked them how they validated the information and send me the results of the investigation and they failed to do so. I am frustrated at dealing with them. This should be a simple fix but they are making this difficult. They are not doing what the law states they must do and I feel like I am wasting my time trying to get them to fix it.
Consumer complaint received 2021-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I graduated with my XXXX in XX/XX/XXXX and began repayment on my loans XX/XX/XXXX per expectations. I was using a Segal Education Award for the first several years as I had done 2 years of XXXX XXXX prior to graduate school and was using it to pay off my loans while I worked to secure stable employment with a stable income. I was working in a public school during this time so my employment was qualifying employment. My plan was to work for 10 years, from XXXX in public service and have my remaining loan balance forgiven. I noticed after a year of payments that my payments from XXXX stopped showing as qualified and many of my payments weren't actually being processed as qualifying payments due to the way that the XXXX system did not always sent payments in a timely manner and was impossible to contact and told me there was nothing else they could do. I spoke to fedloan on a monthly basis to confirm my payment was received and would qualify and always submit payment requests on time and per fedloan and was given mixed information regularly. I was told my account was under review for 3 years and that the payments should show up as qualifying once the review was complete. The review is still pending. It has been 5 years now. 

I have been paying my loans on time since XX/XX/XXXX ( 49 months ) and only have 18 months of qualifying payments. My account is still under review and I am worried that nearly 20 of my payments will be deemed as 'not qualifying ' because of issues beyond my control. These payments were ones made with the Segal Award ( from the government ) to the government and should absolutely qualify for public service loan forgiveness. 

I need my qualifying payment information to be updated to reflect the accuracy of what I have been doing .... this is unacceptable and I wish I could discharge these loans in bankruptcy but I am unfortunately a public service slave for now longer than 10 years because fedloan refuses to review and understand the situation of the XXXX XXXX Award system not processing payments on time. This is beyond my control, but I am being penalized for up to 20 payments being deemed as not qualifying.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

Citibanks promotional offer not honored. Citibank received my documentation, confirmed in a letter to the cfpb that I was due the bonus within five to seven business days which would have been XX/XX/XXXX. They did not deposit the funds. On the same day, they issued a letter to me saying that " we are not aware of any promotions offered in conjunction with the opening of your account '' and wanting me to resend all the documentation I already sent them. They acknowledged the promotion and the fact that my account met all the criteria in a letter to you on XX/XX/XXXX in my prior complaint. Either one hand does not know what the other hand is doing, or this is a calculated fraud on the public. In any case, I would like my promotional bonus as promised. See complaint XXXX for details and a copy of their letter saying that they were to pay the bonus no later than XX/XX/XXXX.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX has reported my account late from XX/XX/XXXX-XX/XX/XXXX. I filed for covid 19 assistance with XXXX to move the payments from XX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!
Consumer complaint received 2024-09-03
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 those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account 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.

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 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (GA)

My name is XXXX XXXX XXXX I co-signed for a car several months ago for my daughter XXXX XXXX. Due to Covid-19 my daughter and I have been furlough from our jobs, unable to make payments on time. 

We were informed that American Credit Acceptance should not be reporting to the credit reporting agencies as delinquent, which they have done since this pandemic started. 

We took a loan out to catch up on payments and would like to have my/our credit score corrected from the time American Credit Acceptance reported delinquent. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Actually I submitted another complaint before but CFPB just closed my complaint wrongly. The response from the company regarding that they could not find my account or need my further authorization was a liar because they just closed my bank account 2 weeks ago. ( Please check the attached bank account closure letter ). So that why they could not find my account. They can not just get rid of my complaint by closing my bank account. Can they? 

Ok, let me repeat my story again : A client found me via the XXXX XXXX trading section ( like XXXX, a XXXX trading platform ), paid me XXXX ( XXXX ) to buy USDT from me, also sent his ID copy, and confirmed the purpose of his payment. *USDT is a stable coin, a kind of cryptocurrency, normally people bought it to invest in XXXX or other altcoins, just like people need to buy the chips before they play in the casino. After a couple of days, my bank, Bank of America, told me that the client who paid that XXXX claimed that he got scammed and didn't authorize his payment. But I also provided all the online transaction records, the status of the transactions ... the client 's ID copy ... etc. which absolutely proved that the transaction had been completed ( which means I had sent the USDT I sold ). Obviously, I was not the one who scammed the client. If he still claimed that he got scammed, base on my experience, he might get scammed in the altcoins he invested in or he might get scammed by someone else, and someone acted himself to buy from me then ran away. Because this client sent the payment via online banking. Nowadays online banking is so secure. No one can send the payment from his account and sent his ID copy XXXX his own authorization. Anyway, he is an adult ... I am not responsible for his own mistake or loss. I got payment from him and with his ID copy. I am not an FBI ... there is no way for me to verify if he is 'he ' .... isn't it? Now the complaint is : the Bank of America is so unprofessional. They returned my XXXX XXXX to the payer without a thorough investigation, and totally ignore the fact : the transaction has been completed. They even didn't figure out how the XXXX XXXX platform works. ( It's XXXX, not XXXX ). They didn't know once the transaction is 'completed ', there was NO way for me to trace the USDT back. Anyway, it was a big mistake from BOA. Now it's my damage now. Thanks.