davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-23
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Account Resolution Corporation (FL)

Account Resolution is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times?

According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I sent a 5th letter to Experian in reference to my personal information on my consumer report. I noticed that they still had not removed an inaccurate and old address I no longer have access to. I've repeatedly asked Experian to remove the address because of the reasons I stated earlier. They claimed that the address had been verified and updated because it is attached to collections account that's not supposed to be on my report to begin with. I have enclosed the letter that was sent out. A copy of an old license from Maryland that has the correct address. Which is not the same address that's on my report. The address on my report is not accurate at all. They have constantly violated my consumer rights by holding my report hostage. 
I have also enclosed a copy of my report with the old address as well as a copy of my current address and license that I've sent them 5 times. They refuse to remove the address and I'm tired of asking. They have constantly violated 15 USC 1681 ( a ) ( 4 ) as well as reporting accurate information on a consumer report. 
They also refuse to remove two collections that they claim have been verified and updated. They have not provided me with any information on how these two collections were verified. Even though I filed a complaint with you guys already against XXXX XXXX XXXX and they stated here in a response that they did not report to any bureaus in reference to my consumer report. They still refuse to remove it. I also have a copy of the said letter as a response to the CFPB complaint about them not reporting it. 
XXXX XXXX XXXX XXXX was also verified and updated and I wasn't told how. That should also be removed from my report. I never gave permission to them to report anything. 
XXXX XXXX XXXX was not given permission to report anything as well. So these companies have illegally reported anything without my written permission 3 times. 
So these companies have illegally taken my information without my consent.
Consumer complaint received 2023-10-21
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: Experian Information Solutions Inc. (FL)

I am writing to report an issue concerning incorrect information on my credit report, specifically regarding my interactions with Experian. On XX/XX/XXXX, I contacted Experian about the following inaccurate information on my credit report, and as of today, they have not responded. I am providing the details of the erroneous accounts and the necessary corrections : The following account does not belong to me : Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$20000.00} Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3500.00} Please remove this account from my credit report.
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (MI)

I have been a customer at Check N Go for over 6 years, never been late or missed a payment and never had any complaints until now. I also use another cash in advance company so I have a pretty good idea of how the system works. I am a XXXX senior on both XXXX XXXX and XXXX so I get a check on the first and the third but I get my loans for the third because thats when the larger check comes. In XXXX I went to Check N Go on XXXX XXXX in XXXX XXXX Mi where I began to loan since I recently moved to the area, in the beginning it was fine and the customer service was good. Suddenly I noticed many of the friendly faces that were there began to disappear and the XXXX regular face that stayed was XXXX, hes an older guy who I assume became the manager. XXXX is a big guy who has a deep voice and he sometimes try to come across as being intimidating even grumpy at times. I took out a loan for {$600.00} in XXXX and because XX/XX/XXXX fell on a Saturday, I asked if I could pay back my loan on Saturday since it is a busy day for this store. I have repaid loans on Saturday at other locations and also at this store before, but XXXX said you get paid on Friday, I replied that I know and he continued to service me. Now assuming he had granted my request we finished our business and I left the store. I found out in XXXX that he may my payday for the XXXX and deposited my check because I was prepared to call in my payment on the XXXX as I always do. I have been in XXXX XXXX for over 30 years and received many awards and letters of recognition for my service, the reason I call in my payment and come back later to reloan is because this store is always crowded on the XXXX and XXXX so we have to wait for hours because they dont have enough help and XXXX XXXX elderly and slow himself, trying to wait on customers and answering the busy phone. Check N Go closed a lot of locations last year so this added more customers to locations already crowded, many seniors have no choice but to endure this situation and it would seem since there is a 30 day payment policy we should be able to choose the days available to us within that time frame. Customers often complain that they need more help at this location and XXXX doesnt help with his attitude and slow service. This is bad for business and Im sure people who have a choice are going to other places. I feel that his actions were wrong and put my checking account in default because of his unwillingness to grant my request. I noticed that many of the complaints about this store in XXXX are about XXXX and he still hasnt changed
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00}.
Consumer complaint received 2023-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have never contracted with this company and I no knowledge of this a ledge loan. I dispute this debt, and its entirety. I have requested debt validation. Ive also sent interrogatories for them to answer, and they. I dispute this debt, and its entirety. I have requested debt validation. Ive also sent interrogatories for them to answer, and they have not responded to any of my correspondence. I also responded requested proof of claim. They didnt comply with FCRA law. I never received In information about this matter before it was reported on my credit I filed a complaint with the Georgia state Attorney General about this company for violation Federal Law in respect to FCRA and the FDCPA
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/23 I wrote Experian and sent a letter of that same day for the account XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX. XXXX  is XX/XX/23 and I have yet to receive any type of response. You are reporting a completely incorrect payment history! Please investigate this matter immediately and remove all of these late payments. I have never been late!! Furthermore, you are reporting my mortgage ( which is closed now because the house has been sold FOR A PROFIT ) as a foreclosure. Your reportings are completely incorrect and false!!! This home was NEVER a foreclosure. It was PAID AND CLOSED IN FULL. I want you to please remove this inaccurate information from my credit report please.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OK)

I called in on XX/XX/XXXX asking if i use the mobile app to deposit a check worth over XXXX that if if do XXXX one day will it allow me to do the rest the next. The lady wanted me to verify my account i refused since I wasnt asking an account question. 
I was just placed on for over XXXX minutes by XXXX you could here him laughing in the background. I would tell them my name is XXXX XXXX XXXX they would harass me and keep calling me maam,
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The inaccurate personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-10-22
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. (SC)

I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

Remove this incorrect information at once and send me an updated copy of my credit history report.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (PA)

XXXX XXXX  {$2200.00} for a credit card I never received due to XXXX XXXX XXXX stealing all my USPS mail XXXX 
She stated she charged {$5000.00} and XXXX credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX XXXX  XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.
Consumer complaint received 2023-06-06
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. (TN)

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.

The letters are stated with items and issues.

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 2023-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Cashapp abruptly closed my account, citing terms of service violation/fraud. Ive only ever used cashapp to send and receive money from family and friends. A few weeks before my account was closed, I did notice something odd. I tried to transfer some money to my mom and cashapp said that I couldnt because I had exceeded my {$4000.00} weekly send limit. I have never sent or received such a large sum through cashapp. On this instance, I just figured it was a glitch on cashapps network and thought nothing else of it. Ive tried to get this issue resolved through cashapp but it never gets past we are researching. It has been months and my account is still closed with no answers from the company.
Consumer complaint received 2023-06-06
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)

My wallet was stolen from my car a few months prior. I first noticed my XXXX benefits were being used and reported it to Identity Theft. Other accounts and credit cards were opened under my social security number, and I've noticed my credit score depreciate since the event occuring.
Consumer complaint received 2023-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings (VA)

I applied to rent apartments at three ( 3 ) different complexes and was told that SafeRent reported I have an eviction. I am XXXX XXXX XXXX and have only lived in one place, where I was residing the time of application. I checked with XXXX at XXXX XXXX, which was my landlord at the time for the previous 5 years and confirmed they had not reported an eviction. 

SafeRent has not provided my personal report for either of the 3 denials. This occurred over 9 months ago. I have submitted requests for this information. 

Thanks you for your assistance with this matter as my report clearly contains inaccurate information,
Consumer complaint received 2023-06-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (FL)

Originated loan XX/XX/XXXX with InstaLoan ( XXXX XXXX ). I immediately defaulted. Made payment arrangements and started to make payments in XX/XX/XXXX. Defaulted again in XXXX. Vehicle was illegally repossessed by means of breaking entry, trespassing and vandalising property ( local police case was filed same morning ). Recovery agent unhinged and damage my XXXX double gate, traveled inside property over XXXX ft to get vehicle from under car port which is under the roof of house structure. Damaged tiles on floor with lift from tow truck as well. Partially hinged gate back up after he exited property. I paid vehicle off within XXXX hours and they initially waived the {$400.00} recovery fee in lieu of events that transpired inside my property. I was finally able to pick up vehicle on third day and it had considerable damages to the lower front end as well one of the rear rims, the cooling fan to the radiator. I have already repaired the cooling fan to assure that is mechanically worthy ( {$550.00} ). The cosmetic repairs are pending ( another $ XXXX in damages ). All things that delineated upon pick up, including an envelope with {$3200.00} from my client that I perform accounting/HR services for on a weekly basis that was in the driver door. I filed a claim with XXXX XXXX who is there principal recovery service and they had assigned it locally to XXXX XXXX and XXXX. The claim for damages was denied and a complete waste of time. I called to find when I would be receiving my title and they advised it would not be released without me paying the {$400.00} recovery fee that was initially waived or without my signing a XXXX XXXX, which includes a full hold harmless clause in the first XXXX paragraphs. I refused naturally, but yet my account was settled in full. I have not title to my vehicle and certain that after XXXX  days, it will once again put me in a position of default making my vehicle and my property eligible to be target again for a recovery. The recovery agent is case being viewed as XXXX, but the case is being reviewed as the XXXX clearly didn't occur in my property without Breaking Entry, Tresspassing and Burglary to Occupied dwelling.