davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I notified Barclaycard that there were charges on my account that I did not make. Those were removed and the card was closed. I did not receive a new card until XX/XX/XXXX. On XX/XX/XXXX, XXXX charges of {$350.00} were made to my account for a total of {$710.00}. This makes no sense to me. How did Barclaycard approve a charge on a closed credit card? I suspect that there is internal fraud taking place at Barclaycard. After repeated attempts, I finally was able to speak to someone from their fraud department. I was told that they will not reverse the charges until they complete their investigation. That makes no sense. How can they leave charges on my account when the card used was cancelled? It really stinks of fraud within Barclaycard. Also, since it was their mistake, the charges should be removed immediately. HELP! PLEASE!
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I paid off the Auto loan with account number XXXX for the XXXX XXXX XXXX. I HAVE NOT GOTTEN MY CAR TITLE. I try to call to the phone number but it is impossible I update my address on the Bank information. 
To get my car copy Title I need the Lien Release Letter in order which needs to be sent to my current address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Texas, XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (VA)

DISPUTED ACCOUNT AND COMPANY VIOLATED MULTIPLE LAWS Accuracy of Reporting ( Section 623 ) Obligation to Report Accurately : Creditors and debt collectors must report accurate information to credit reporting agencies. If an account has been charged off, it should be reported as such, and any remaining balance due should be accurately reflected. 
Updating Information : Under Section 623 ( a ) ( 2 ) of the FCRA, a creditor must correct any inaccuracies or incomplete information. If the account was charged off in XX/XX/XXXX, but the balance due is still being updated, THIS indicates inaccurate reporting. BALANCED UPDATED {$540.00} AS OF XX/XX/XXXX XXXX. Duty to Update ( Section 623 ) Account Status Updates : If an account is reported as charged off, the creditor is required to update the account status accordingly. The FCRA requires that if new information about the debt becomes available, it must be reported accurately and promptly. If the account is still being updated with a balance due, THIS suggest that the account status is not being accurately maintained. ACCOUNT REPORTED CHARGED OFF XXXX 3. Information Retention ( Section 605 ) Reporting Period : Negative information, including charge-offs, can remain on a credit report for up to seven years from the date of the original delinquency. However, once the account is charged off, it should no longer show ongoing balances or statuses that do not reflect the charge-off accurately. ACCOUNT STILL SHOWING BALANCE 4. Disputes and Consumer Rights ( Section 611 ) Dispute Process : You have the right to dispute any inaccurate information on your credit report. If an account is incorrectly updated as having a balance due despite being charged off, you can file a dispute with the credit reporting agencies. The agencies must investigate the dispute and correct any inaccuracies. 
REMOVE THIS OFF MY CREDIT REPORT DUE TO MISUSE OF REPORT AND VIOLATION OF MULTIPLE LAWS
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 XXXX  REPORTING LATE 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I looked at my TransUnion Credit Report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

This also violates 15 USC 1681 ( n ), ( s ) - 2 ( a ), & ( b ), 15 USC 1681i, ( 5 ) ( A ) ( i ). 

XXXX. XXXX XXXX XXXX Account number ( s ) # XXXX & XXXX XXXXXXXX has violated my rights. I am not liable for these debts with XXXX XXXX XXXX, I do not have a contract with them, nor have been provided an original contract and complete account number. 

In accordance with the Fair Credit Reporting Act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ).
Consumer complaint received 2024-07-24
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. (IL)

I am writing to formally lodge a complaint regarding the ongoing issue of inaccurate late open accounts on my credit report. Despite multiple attempts to rectify these inaccuracies, the issues persist. This letter marks my fifth attempt to resolve this matter, and I am seeking immediate and effective action. Despite providing all necessary documentation and evidence to support my claim, these inaccuracies remain on my credit report, adversely affecting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and your agency is obligated to investigate and correct any inaccuracies within 30 days. Please help me correct the late open accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXX Balance Owed XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (TX)

To whom it may concern. Accounts spring oaks capital LLC {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX  {$2900.00} I have received a copy of my credit report. To my surprise you are reporting this accounts incorrectly. This collection accounts are reporting not only open but also show past due balances. According to FCRA I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. Sincerely XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with DEPT OF EDUCATIONXXXX 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 XXXX 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. 

DEPT OF EDUCATIONXXXX 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 2024-08-16
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. (NJ)

I had a fraudulent charge card opened in my name i disputed It with the company XXXX XXXX this was in my they sent a letter saying it was resolved in my favor and it will be updated with the credit report i have Sent the letter to the credit report XXXX disputed it it came back XXXX i disputed It it came back and again XXXX i have Contacted the company they said notification was sent and again its still on my report which is reading negative and making my score low at this point someone needs to be held accountable for the credit bureau actions
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: One Source Technology (VA)

XX/XX/year> I received a copy of a background report from XXXX They sent another copy to XXXX for XXXX employment. Assuring was only suppose to go back XXXX for the background check. Asurint went back over XXXX XXXX in the background report which is XXXX more than the FCRA federal law states.
Consumer complaint received 2024-08-16
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. (OK)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC (TN)

on XX/XX/XXXX tmx finance also known as title max had my car towed out my driveway due to missing a payment. i caught the man in the act and he was very belligerent and abusive he slammed my daughters XXXX  in the car when she as trying to retrieve her daughters car seat they told us to shut our XXXX XXXX  i tried calling title-max and they refused to take my payment over the phone. XXXX miuntes after they took my car i was able to make a XXXX in person at the local office this amount was not the amount the corporate office told us it was it was a XXXX XXXXXXXX more then we were told they never sent any type of notice they never called me to let me know i was late, the tow company they use dragged my XXXX XXXXXXXX XXXX by the back of the car causing my stabilizer bar to break on my rear axle. they tore up my driveway to the house that i rent. which my landlord is now holding me responsible to fix. XXXX hours later and many phone calls title-max could not tell me where my car was they kept telling me it never made it to their holding facility finally on XX/XX/XXXX i got a hold of someone at the corporate office and they told me where my car was and set the appointment to get it the lady i spoke to on XXXX XXXX told me the tow company took it upon themselves along with the local title-max office in XXXX Tennessee XXXX to XXXX XXXX car, The lady that i seen to get my car on XX/XX/XXXX at XXXX at the XXXX car auction located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tennessee XXXX said the tow company was not supposed to hold my car as long as they did. i was able to report my car stolen on XXXX XXXX due to the tow company not doing their job correctly i lost wages and almost lost my job they refused to give me my personal property which some of it belonged to the company which i work for they are charging almost 300 % interest on a flex loan they have broken the breach of peace law in Tennessee and now they refuse to tell me the name of the tow company that took my car so that we can file charges for the abuse me and my daughter have went through. plus they broke my car and they need to pay for it to be fixed. titlemax and tmx finance refuse to give me the name and contact number for their DDO so i can get the name of the company. i have spoke to a lawyer and i fully intend to sue tmx finance however the local office needs to be shut down because they do not communicate at all with people who hold any type of loans. i spoke to many people who have all types of loans with them and they say the same thing they do not try to help in anyway they are rude and honestly they are all crooks this comqapny has a bad reputation and i wish i would have known that before i even applied for a flex loan
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (VA)

It has come to my knowledge that my account was improperly used without my permission or consent by SQUARE INC, my information was accessed by unauthorized users and reports were downloaded without my consent or acknowledgement and causing my account to be closed and me having to use out of pocket expenses. Due to my acgoint being closed I can not provide account number but my social security number is XXXX and my cash tag is $ XXXX. FTC va code states that we have the right to know about data breaches and also request and receive information and records pertaining to my account, cybersecurity & organized crime. XXXX XXXX companies are liable under the FTC to follow these rules. Square Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. 
XXXX XXXX XXXX, Chief Executive Officer, and Chairman XXXX XXXX XXXX XXXX Chief Financial officer XXXX /Chief Accounting Officer I will be filing form 211 with theTreasury omb forms to audit consumers account. Squar Inc is securitizing consumers data and refuse to provide consumers with a copy of their consumer file/report.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally file a complaint against TransUnion regarding inaccurate address information on my credit report. Despite my previous attempts to resolve this issue directly with TransUnion, the incorrect address remains listed on my credit report. I request your assistance in rectifying this matter. 

Despite providing these documents, TransUnion has not updated my credit report to reflect the correct address. This inaccuracy is affecting my creditworthiness and causing unnecessary complications in my financial affairs. 

I request that the CFPB investigate this matter and ensure that TransUnion updates my credit report to reflect my correct address. Additionally, I would appreciate written confirmation once these corrections have been made and an updated copy of my credit report sent to me.
Consumer complaint received 2017-11-13
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: Bread Financial Holdings, Inc. (GA)

I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This collection account is not mine. I do not own Portfolio Recovery. 

I have attached a copy of the letter I received from Portfolio Recovery Associates XXXX which is dated XXXX XXXX, XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XXXX XXXX, XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. 

According to the old credit report Portfolio Recovery Associates opened in XXXX XXXX and was last reported XXXX XXXX. 

The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. 

I do not owe this debt as it shows it was issued in XXXX. This was 12 years ago.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-07-24
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. (DE)

I checked my credit report this lunch and I saw that there were unauthorized inquiries. I tried logging in and logging out of my account, but when I logged in again, the unauthorized inquiries were still there. I have no idea why those showed up on my credit report but I do know that I want them removed as soon as possible, so please thoroughly look at the documents I've sent.