davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian Isnt it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? I have reached out to Experian several times requesting them to remove the old address XXXX XXXX XXXX XXXX XXXX SC XXXX from my credit report. However, Experian is refusing to remove the old address. I had no problem getting the address remove from XXXX, and XXXX. 

I have sent several letters to Experian regarding inaccurate information in my credit file, but I have not received any response from them, and the inaccurate information remains in my credit file. Now, I would like to formally file my CFPB complaint
Consumer complaint received 2024-08-09
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. (TX)

This is making me worry a lot, can't help but noticed this inquiry on my credit report which I do not recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened because I did not apply for this.
Consumer complaint received 2024-10-03
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. (CA)

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion XXXX XXXX.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (FL)

Discover 's collections representatives continue to deny my experiences, which I know to be true, recorded, and have a witness to. Discover lied many times about not charging off accounts during previous calls, leading me to pay {$9000.00} on a closed account, with an estimated {$11000.00} balance, based on these lies. Now, I find out I could have saved much more had Discover truthfully informed me of their settlement practices. Discover continues to harass me for the {$2100.00} balance without offering a manageable settlement. 

This debt results from Discover 's unethical practice of preying on XXXX XXXX, and Discover continues to show its lack of ethics by lying to consumers. 

Moreover, Discover erroneously reports my account 's closing date to credit bureaus, stating it as " XX/XX/XXXX, '' when it was closed in XXXX of XXXX. I have disputed this and it has still not been corrected. 

I have requested Discover correct my reporting and write off this account, forgiving the current balance. Discover consistently responds by saying the debt is valid and there are no settlement offers. In the most recent response, Discover denied all previous phone calls and information provided.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (IA)

XXXX XXXX XXXX ( Equifax file ) XXXX XXXX XXXX ( XXXX file ) appeared on my credit report dated XX/XX/year>. 
I didn't authorize any inquiry about my credit. 
Contacted the General Manager at the dealership. They sent a letter on my behalf to Equifax and XXXX  requesting the deletion of the Hard Inquiry. I also sent a certified letter to Equifax and XXXX requesting the deletion of the Hard Inquiry.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Moneytree Inc (NV)

On XX/XX/XXXX I contacted MoneyTree Inc. to ensure that there was no outstanding loans under my name as I had been a victim of Identity Fraud previously with them. I was advised that there was an outstanding account dating back to XXXX. I repeatedly advised that it was not mine, and the rep said she would " dispute '' the account. 

I was then contacted by Dispute Rep XXXX on XX/XX/XXXX by phone. I again explained to her that it was not my account, although she attempted to label it as such. She then began to ask personal questions such as : COMPLETE Work History Father 's Name I answered the questions, and then figured out she was trying to " update '' their system in an effort to make me liable for the fraudulent account. I advised her that I had FTC reports, as well as a few Police Reports outlining that I had been a victim of Identity Theft. At no point was I provided information to help identify the source of the fraud. 

On XX/XX/XXXX, I received a call from XXXX again. She left a rude message " asking '' for the fraud paperwork ( my police reports ). At no point was I asked for a Fraud Packet ( with affidavit ) or provided one. I then called back to the office to submit a formal complaint because of the treatment of this matter. I spoke with a " Supervisor '' XXXX, who advised me that the calls were not recorded. I advised her that due to the abhorrent treatment, I would be filing with the appropriate governing agencies.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax are reporting inconsistent information for the account listed as XXXX XXXX XXXX this account can not report XXXX  different ways that means it has not been properly validated so the verification they claim they have done is invalid. The account can not have late payments when any consumer credit account is open ended and neither bureau has supplied me with documents that prove I was indeed late. If you do not have documents update the records. 

XXXX XXXX are Last Verified : XX/XX/XXXX Date of XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : XXXX XXXX XXXX Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Closed Closed or paid account/XXXX  balance Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : XXXX Month ( s ) XXXX  Month ( s ) Payment Frequency : Monthly ( every month )
Consumer complaint received 2024-08-04
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. (FL)

I reviewed my Consumer Reports and noticed that I had 4 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Please investigate and provide, Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

First in XXXX he branch in XXXX at XXXX, VA refused to verify me inperson when I was trying to replace m debt card. I was there inperson wih all my id and children and the manager would no believe i was me. Then in XXXX on he phone Wells Fargo made me stay on the phone for hours while I asked them tto send me a copy of a old check. Then onXX/XX/ Wells Fargo locked me outt of myy online account while I was banking. Then Wells Fargo refused to verify over he phone for XXXX XXXX has had he same telephone number of mine on file for almost XXXX yrs. Then they sent me email saying that someone changed my mail settings and refused to tell me who changed them. I was even old at XXXXXXXX XXXX to go verify myself at a ATM machine! The next day I went to the XXXX XXXX location and I spoke to XXXX. She told me that their securitty dept changed my mail settings and never explained why. Then she ttold me that she put my children down as beneficaries ... When she did not. Two weeks later I went to the XXXX Va to ask for a copy of my beneficaries. I was hen told by XXXX that my children were no XXXX down as my beneficaries. When again for my children to be my XXXX XXXX refuse to add them as my POD. Then he refused to correct a error in my children 's savings accouns! They were rude and did nothing o correct the problem. He demanded to see my children 's birthcerticaes! My children have had savings with this bank for XXXX yrs!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-03-21
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)

In XXXX of XXXX I filed XXXX XXXX bankruptcy. I had gone through a rough divorce and my pay had been significantly cut due to a change in employment. I stopped payments on the accounts that I had filed XXXX  XXXX bankruptcy on. Obviously this resulted in late payment reports on my credit reports. Fast forward to XXXX and XXXX XXXX XXXX XXXX XXXX had continued to report my payments as late even though my discharge was official in XXXX of XXXX. I contacted XXXX in XXXX of XXXX when I noticed I kept having accounts reporting as late payments. They were able to stop the reporting and corrected the late payments but it now shows on 2 of my reports that my last late payment was 10-11 months ago and the other shows 2.5 years ago. Also they show that in XXXX all accounts were " charged off as of XX/XX/XXXX and XX/XX/XXXX '' as per my documents attached. This is incorrect. XXXX was over 4 years ago so this is an error. The Charge off/ Included in bankruptcy should have been in XXXX not XXXX. Not only that, the way it is reported, I have been denied loans. The denials stemmed from a recent bankruptcy. When I followed up on this, I was told it was being reported that I filed bankruptcy in XXXX of XXXX. That isn't true and it is negatively effecting my credit. I own up to my bankruptcy in XXXX but that was the last time I have made a late payment. I have worked hard to keep myself out of the position I found myself in and find it very disappointing I have to jump through so many hoops to get this corrected. This is very negligent and shows the lack of checks and balances in our credit reporting process.
Consumer complaint received 2024-08-12
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)

I am writing to formally complaint about EXPERIAN 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my EXPERIAN credit report that I did not open or authorize. The details of the fraudulent account are as follows : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) XXXX DATE OPENED XX/XX/year> BALANCE {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with EXPERIAN, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, EXPERIAN is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to EXPERIAN.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

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 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

I am writing to express my profound dissatisfaction and seek immediate resolution regarding recurring issues with my Apple Card, specifically relating to in-person purchases at the Apple Store. On XX/XX/XXXX, I attempted to purchase XXXX XXXX at the Apple Store located at XXXX XXXX in XXXX, Texas. Despite having over {$2000.00} in available funds, my card was unjustifiably declined, leading to significant embarrassment and inconvenience. 

As the sole XXXX woman in a predominantly Caucasian neighborhood and store, the public nature of the decline amplified my discomfort, further exacerbated when I was asked to provide an alternative payment method in a crowded setting. 

Following this incident, I contacted Apple Card support three times. Initially, I was informed of a block on my card, which I had not been notified about via email or text, contrary to standard procedure. Although this block was reportedly removed, my card was declined once more upon a subsequent purchase attempt. I was then informed of another block and that my account was under review, yet I have not received any formal communication or rationale for these actions. 

This lack of transparency and repeated hindrance of my purchasing abilities, despite a perfect payment history and sufficient credit, is unacceptable and discriminatory. The absence of any preemptive or follow-up communication from your end compounds my frustration and concern. 

I demand a detailed explanation for the continuous blocks placed on my card, the criteria and processes behind your account review procedures, and why I, a customer in good standing, have been subjected to such treatment. Additionally, I expect immediate rectification of these issues to prevent future unwarranted embarrassments and limitations. 

Please respond at your earliest convenience with a comprehensive explanation and a clear resolution path. I trust in your commitment to customer satisfaction and anticipate your prompt attention to this serious matter. 

This is NOT the first time either Apple has done this to my card. The first time was in XX/XX/XXXX when I tried to purchase my XXXX XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX  XXXX XXXX and the credit bureau TransUnion. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report.

2. **Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA.

3. **New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information
. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law.

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Consumer complaint received 2024-08-22
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( please remove this account before I seek litigation for defamation of character )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