davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 XXXX - XXXX XXXX. XXXX XXXX disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the XXXX period described in subparagraph ( A ) XXXX be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( XXXX ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX does not belong to me.
Consumer complaint received 2024-09-19
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. (LA)

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 2024-09-19
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: EQUIFAX, INC. (NY)

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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-22
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: Convergent Resources, Inc. (AR)

I have made several attempts to make Convergent Outsourcing aware of the fraudulent debt they claim I owe them ( {$1800.00} ) Is not only unverifiable but I also have no legal obligation to pay them. I have never signed a contract agreeing to pay this company nor have I never done business with this company yet this company reports inaccurate unverifiable information to the credit bureaus. Not only is this damaging, it is fraudulent. The company continues to send debt letters and contact my phone after I asked them not to. This is harassment and a violation of my rights. Even after writing in to the company several time asking them to provide proof that I in fact owe them I was sent a frivolous bill. Of which a bill does not constitute a legal obligation.
Consumer complaint received 2024-09-19
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: EQUIFAX, 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (CA)

I tried to open an account at XXXX XXXX and was turned down because they said " During the processing of your application for credit, we encountered the following missing, invalid or unverifiable information : Unable to verify identity information '' I was in the store and gave the clerk my CA drivers license. She verified this with the credit department. 
My XXXX credit score, as well as XXXX  and XXXX XXXX, is XXXX. 
XXXXXXXX XXXX reference number is XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-05-18
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: SANTANDER HOLDINGS USA, INC. (TX)

Pursuant 16 CFR 313.4 a company must provide an initial clear and conspicuous notice that accurately reflects the privacy policies and practices as well as an annual notice to consumers. I have not received an initial nor an annual notice from Santander. When I reach out to Santander for the information, I get no response. 

Being that Santander has not provided myself with the required notices, Santander is not providing proper documents required allowing myself to opt out of having my personal information to be shared to a nonaffiliated third party pursuant 16 CFR 313.7. 

Santander has provided my personal information to both XXXX and XXXX with out my written consent.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (GA)

Americollect, a debt collection agency, has reported the same accounts MULTIPLE times, resulting in one account alone, being reported as almost 50 collections accounts. I have filed disputes with and XXXX, XXXX, and Americollect has claimed that the information is accurate and correct. This is a fraudulent claim, as Americollect accounts on my credit report would have you believe i have been to the emergency room at XXXX XXXX XXXX XXXX XXXX upwards of 100 times. One of my disputes was finally resolved in my favor, resulting in my debt amount going down from {$52000.00} to {$23000.00}. There are, however, still multiple claims on my credit report, of accounts being report more than once. This is a cowardly and gestapo-type tactic that Americollect is known for.
Consumer complaint received 2024-09-17
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. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Freeway Funding, Inc. (CA)

I will try to make this story short as possible so what happened was that i had got a vehicle from a used car dealership and the vehicle was breaking down on me multiple times and i contacted the dealership and they wanted nothing to do with it they would hang up on me, then for the last time that it broke down it took me a while to repair and when i did i drove to a job interview and it ended up breaking again causing me to be late to the interview and i left the vehicle where it broke down to get it later on then it ended up getting towed i contacted the finance company to tell them because i was just over the car XXXX for the repair I couldnt do it anymore so i was going to wait for them to sell it in auction but they ended up not wanting to get the vehicle out of the tow yard because they didnt want to pay the tow yard fees to get it out so i called the finance company and they told me that i still need to pay off the full amount which i think that is unfair i decided to call thee tow company again and they told me that they dont have the vehicle anymore since the finance didnt want to pick it up the tow company ended up taking ownership of the vehicle and they sold it so i am stuck with payments for a vehicle that i do not have anymore so i have been trying to see what i can do
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Payfare International Inc. (GA)

I'm a XXXX XXXX XXXX XXXX uses payfare to mediate their transactions. On XX/XX/XXXX the XXXX XXXX app went through what's considered an " outage. '' The app crashes and payments go haywire. During this specific outage, I had 2 separate deposits from two different " dashes. '' 1 in the amount of {$15.00} and the 2nd for {$21.00}. I had to make SEVERAL phone calls up until just before I typed this complaint now on XX/XX/XXXX. I had a phone call with a representative that saw that my payments were floating and confirmed they were supposed to have the money hit my account in within " 5 business days ''. I made several phone calls more because I XXXX XXXX full time, 7 days a week, and that's unfair for me to work as hard as I do, ( As a top dasher  for the last 4 months straight ) and not be compensated for my labor. In addition to that initial problem, through several more hour ( s ) long phone calls, I also had to wake up one evening after finishing my dashing day with {$19.00} in my account. I wake up to 5 charges from earlier that morning to afternoon, charging my account again, finalizing my account at that time to - {$36.00}, On XX/XX/XXXX around midnight. I made SEVERAL phone calls after that, to no avail. Days later, I get a notification in the interim, saying that the XXXX XXXX XXXX has been having issues with gas stations and pending charges. After more phone calls and getting the " run-around '', I spoke with another dasher direct representative who confirmed that my balance during that phone call was {$63.00} and that my account was supposed to reflect {$120.00}. And was still missing {$59.00} in more floating payments. 

The total of money missing is : {$15.00} ( 1st deposit XXXX ) {$21.00} ( 2nd deposit XXXX ) {$56.00} ( - {$19.00} -> - {$36.00} XXXX  Money taken ) {$59.00} ( Phone call confirming additional Missing payments ) The total amount I'm missing is : {$150.00}. 

That's what I earned and is not in my account and that's all I want. I've had so much hardship begins of missing money. I've run out of gas twice because money has been missing from my account. I've been stranded with car troubles and can't use my card because they're withholding money. This needs to be resolved and if possible with extra for the inconvenience and phone call games. 

I don't deserve to be withheld from my EARNINGS.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear, Consumer Financial Protection Bureau, I am writing to dispute two late payment entries on my credit report that were reported by Capitol One Bank, XXXX. The account in question is a credit card account that I have held since XX/XX/XXXX. I have disputed this with Capital One but XXXX did not take it off my credit report. These late payments were not intentional and were a result of unforeseen circumstances that occurred during that time. I have never missed a payment on this account, but due to financial hardship, two payments were made late. As you may be aware, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was passed in XXXX of XXXX to provide financial relief to individuals and businesses affected by the pandemic. The CARES Act included provisions that allowed borrowers to request forbearance on certain types of loans, including credit card accounts, for up to six months. I was unaware of this option at the time and therefore did not request forbearance for my Capital One account. Furthermore, the negative impact that these late payments are having on my XXXX credit report is causing additional financial hardship as it is impacting my ability to obtain credit at favorable terms. This is particularly concerning as I am now in a better financial position. I have now stabilized and have been making timely payments since then. I am therefore requesting that you remove these late payment entries from my credit, as they are not a true representation of my creditworthiness. I would like to bring to your attention that during my XXXX XXXX with the XXXX, I was a member of the Servicemembers Civil Relief Act ( SCRA ) with Capitol One. Throughout my time of service, Capitol One was very supportive of my military commitments, and they extended their support to me during my financial hardships and always applied my benefits to me so that I was able to maintain a credit history. Although I am now a XXXX XXXX XXXXXXXX veteran, I still appreciate what they have done for me in the past. I would like to request that Capital One remove the two late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies and furnishers of credit information report accurate and complete information. If the consumer did not provide written consent to Capital One Bank to report to the credit bureaus, they may have grounds to dispute the accuracy of the information being reported on their credit report, and request that Capital One Bank remove any negative information that was reported without their consent. I would also like to request that you confirm the removal of these late payments in writing and provide me with a copy of my updated credit report. Thank you for your time and attention to this matter. I look forward to hearing back from you.

Sincerely, Consumer
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (CO)

I had a credit card with Wells Fargo through XXXX XXXX XXXX XXXX  that was supposed to be closed on XX/XX/2023 because I paid off the balance on that day. I have proof and confirmation number that I paid of the account. After two months Wells Fargo retail credit card service, came at me stating they never received the payment from me. Then they charged me the last payment that I had made which was {$780.00} plus interest.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, 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. (GA)

I'm a victim of credit fraud my identity has been compromised. I don't recognize these inquires please remove from my account. I have a freeze on my report. Please remove these inquires please review the list below. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, XXXX, OR XXXX
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.