davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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. (MD)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> 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 ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (MS)

XXXX XXXX- {$1800.00} XX/XX/2024 sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX- {$8700.00} XX/XX/2024, sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX XXXX XXXX {$5000.00} XX/XX/2024 sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. 
XXXX XXXX XXXX XXXX {$0.00} XX/XX/2024 sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified.
Consumer complaint received 2024-09-04
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. (TX)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX  - Date opened XXXX XXXX XXXX  - Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  - Date opened XXXX XXXX XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XXXX XXXX XXXX - Balance {$1400.00} Unauthorized 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 XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

XX/XX/year> bought tickets online from XXXX. Macy 's declined the transaction awaiting confirmation from me that the transaction was mine. I went to XXXX  & saw the order was canceled, so I purchased alternative less desirable tickets because I already made travel & accommodation arrangements for the concert. XXXX  XXXX virtual assistant couldn't refund a transaction that was canceled, so I filed a dispute with Macy 's XXXX XXXX. I received a letter today stating I'm responsible for the transaction because all sales are final. I called Macy 's, they said the case # XXXX was open for 7 days, I asked to speak to a supervisor, they gave me XXXX  left a message since the hours are XXXX XXXX EST to request a charge back, I didn't want to waist the 60 day timeline since they're ultimately responsible for accepting a charge they declined & was canceled by XXXX, but now doesn't exist through XXXX any longer.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

I ordered my chex systems report today and recognized Information concerning XXXX XXXX XXXX XXXX reported on chex systems as inaccurate and could be mistaken as someone else 's information.
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendingPoint Holdings LLC (OK)

A company called Lendingpoint called lending point closed my account which stopped me from making payments after I got behind. I tried for months to pay online or get in contact and no one opened my account up. Then they have a debt collector look up my XXXX, call her and threatened to put a lien on my house. I never gave them my XXXX  's information at all. Then they emailed me and called me today saying the same thing. They said the account was closed as of XX/XX/year> and they are lying they closed the account months ago and therefore I could not even attempt to make a payment. They have blocked me from seeing my payment history, they blocked me from seeing the original date when the account was closed snd now they are threatening me with a lien.

I do want to be fair and say they worked with me once for XXXX  months.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX  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 in XXXX 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. XXXX XXXX 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 2024-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Independence Capital Recovery, LLC (OK)

A company called XXXX called XXXX XXXX closed my account which stopped me from making payments after I got behind. I tried for months to pay online or get in contact and no one opened my account up. Then they have a debt collector look up my wife, call her and threatened to put a lien on my house. I never gave them my wife 's information at all. Then they emailed me and called me today saying the same thing. They said the account was closed as of XX/XX/year> and they are lying they closed the account months ago and therefore I could not even attempt to make a payment. They have blocked me from seeing my payment history, they blocked me from seeing the original date when the account was closed snd now they are threatening me with a lien. 

I do want to be fair and say they worked with me once for 3 months.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was recently reviewing my credit profile to get ready to buy a house. While checking credit, I've noticed fraudulent accounts and inquiries on my credit profile which will be listed in attached Identity theft affidavit. I've called all the original creditors who told me to file police report with local police department and file disputes directly with credit reporting bureaus. This same instruction was given by credit bureaus themselves.
Consumer complaint received 2024-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (CA)

On XX/XX/year> I had an appointment with the XXXX. I paid {$100.00} at their office. When I got a bill later, I checked the insurance website and there was no XXXX  yet for that visit. I got a bill in XXXX, checked the insurance website again, then paid what the doctor was billing me for ( {$15.00} ), online using my credit card. Now I got a notice from a debt collector ( First Federal Credit Control XXXX ) for this {$15.00}. Less than XXXX months from the original office visit! And the debt has been paid -- all {$15.00} of it!
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: JMC Leasing Specialties, LLC (AR)

I disputed XXXX XXXX XXXXXXXX  and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TX)

I first called the company Credit Fresh to let them know that my job had me on leave so I would not be able to pay them on the first of XXXX, I then asked could I change my payment day to the end of XXXX the XXXX that way I would be able to pay them for the month we had a agreement I payed them XXXX the XXXX and then they charged me again on the XXXX of XXXX I have been calling for XXXX weeks with people telling me they are handling the situation and they will give me a call back, they told me somone would call me in three days iv been patient and waited but still no call back I don't think it's right that they dont have to go looking for me for payment but I have to keep reminding them that we have not reached a solution
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently did an investigation on my credit report and found several items on there to be inaccurate. 


Under 15 U.S. Code 1681 e ( b ) Accuracy of report 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.

Under 15 U.S. Code 1681 i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report immediately : EQUIFAX Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXX XXXX XXXX XXXXXXXX was added to your report. This account was opened on XX/XX/year>. 


XXXX Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/year> XXXX Account name XXXX and XXXX XXXX Open Balance XXXX Open balance XXXX XXXX XXXX Open Balance XXXXXXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/year>XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 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: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I spoke with employees at Sunrise Credit requesting a copy of the debt owed. I disputed the amount they were trying to collect as it was inaccurate. They have refused to provide me a copy of the debt, only repeatedly asking " what do I think I owe. '' Then 15 days ago, after absolutely no communication since I requested documents back in XX/XX/XXXX, they put this debt on my credit report.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (LA)

I am writing to formally file a complaint against Westlake Financial concerning the continued reporting of a collection account on my credit profile, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ).

I initially took out a loan with Westlake Financial. Unfortunately, I experienced financial difficulties, leading to a missed payment, which was the first missed payment on the account. According to my records, this missed payment occurred over seven years ago. 

Under the FCRA, negative information, such as a collection account, is only allowed to remain on a credit report for seven years from the date of the first missed payment that led to the delinquency. Despite this, Westlake Financial continues to report this account to the credit bureaus, negatively impacting my credit score and financial standing. I have made several attempts to resolve this issue directly with Westlake Financial, but they have failed to take the necessary action to remove this outdated and inaccurate information from my credit profile.
I am requesting that the CFPB intervene in this matter and compel Westlake Financial to remove the collection account from my credit report as it is no longer legally permissible for this information to be reported.

Please find attached copies of relevant documentation, including my credit report showing the continued reporting of this account and any correspondence with Westlake Financial.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingPoint Holdings LLC (MA)

In accordancee with the fair credit reporting act account # XXXX, has violated my rights.

15 U.S.C 1681 section 604 A section 2 : XXXX XXXX states a coonsumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2024 and XX/XX/2024 I made transfers of {$100.00} and {$100.00} from my Wells Fargo account ending XXXX to an external account I paid bills through. The receiving bank reported that they did not receive the transfers, and after quite a bit of investigation I found that they seem to be operating a fraudulent fintech operation with many negative reviews and name changes. 

I promptly contacted Wells Fargo- well within the 21 day period that an ACH can be reversed- to file a claim on these transactions. The phone call was handled by FOUR different representatives both in and out of the United States who told me theyd file the claim properly in order to recall this ACH transaction. That call took well over one hour and thirty minutes with multiple call transfers to incorrect departments. 

I called in two days later to ask why the claim wasnt showing in my online banking dashboard and was told that the claim was denied because Wells Fargo confirmed they had sent the money out. Why I hadnt received the benefit of the funds was not discussed. I then spent another hour on the phone with a series of incompetent representatives who finally sent me to the Customer Advocacy Team. The team member- XXXX- re-filed the claims and assured me they would be handled properly this time and apologized for the great amount of effort I was placing to get a simple claim filed in a timely manner. 

On XX/XX/2024 I received three letters from Wells Fargo : Two saying the claims were summarily denied because they were duplicate claims, and one asking me if I wanted mediation for the improper activity Wells Fargo had committed against me years ago. The irony is not lost on the synchronized arrival of these documents.

Because of the rampant incompetence of Wells Fargo employees we are now outside the time frame to attempt to recover these funds, and thus far my only resource seems to be the second Customer Advocate I spoke with who said shed escalate it- just as the first did.
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Sequium Asset Solutions, LLC (MS)

I am the original author of this complaint. I have been dealing with the frustrations of these unlawful and inaccurate reportings to my credit report. The following SEQUIM ASSET SOLUTION has been consistently reporting erroneous information which has been a hinderance for me. I do not owe any apartments! They won't even validate themselves as required by 15 US Code 1692g! This XXXX  XXXX has admitted fault that this was a mistake, yet they have re-inserted the reporting of this account onto my credit report.
Consumer complaint received 2024-08-22
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. (GA)

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 30 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 data breach.
Consumer complaint received 2024-10-01
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. (PA)

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my credit, but today, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but that didnt helpthe inquiries remained. I am really frustrated, and I am requesting that the documents Ive submitted be thoroughly reviewed so I dont have to deal with this ever again.