davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
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. (NY)

Equifax is not updating the payment history for my XXXX XXXX XXXX account. Equifax updated the credit limit, but never updated the payment history. I have never missed a payment, or have been late with a payment to XXXX XXXX XXXX, yet Equifax is showing that through XX/XX/year> to XX/XX/year> no payment history was reported. I have made every payment from XX/XX/year> to XX/XX/year>. I will be submitting documents to prove that I have made every payment. This is a continuing problem with Equifax. I have been trying to get Equifax to update the account completely since XX/XX/year>.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Conn's, Inc. (FL)

The company lied on the application after the paper app that I filled out had my proper address thats been on my Florida license since 2013 and have personal proof that I have to live there this whole time. I have a XXXX XXXX XXXX and a XXXX veteran, Conns changed my address without my permission, to my ex girlfriend house so she could have a refrigerator that she was paying for with her card, because I never once swiped my card because I found out the card used has to be one that the refrigerator is going for automatic payment for zip code XXXX Ive never lived at that zip code, my zip code is XXXX and they reported I lived there on my credit report at XXXX with the address, that how I know they changed it and now I have having problems because they are reporting the address and bad credit that is hurting my credit when I already live on a fixed income and now they have. I tried to have a resolution and call the woman that has the refrigerator that was paying for it and called conns to have them pick up the thing because they were harassing me calling up to XXXX times a day. When I called conns to pick up the refrigerator they said they couldnt is what I was told I could bring it in, how? If it a secured loan by the refrigerator than why wouldnt you go pick it up? Scammed by the store and XXXX they just wanted the sell and she wanted the refrigerator. The address on the agreement is not the address I gave them and they allow her to pay with her card and set up payment automatic draft. My credit is ruined and they have made it where I can attain the services that are required because my credit. Conns I guess their name should of told me! Im totally disappointed
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

previous complaint : XXXX Transunion sent XXXX response that requires a password to read. 

I don't have a working password with transunion.and I can't get them to give me a new password. 

Thus I have response from earlier complaint.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion 's free credit history management website, which includes a feature for freezing my credit report, is unusable. I made an account and have been trying to log in for months now without any luck. This is a very simple process with the other 2 credit bureaus where I can make an account, log in, and freeze/unfreeze my credit report. With TransUnion this feature is intentionally separate from their for-pay accounts with a different account system and the log-in is very poorly developed and not supported. I contacted TransUnion for support but they could not help me log in and then stopped providing support. I have found many mentions online of people having the very same problems - unable to log in and use their website. The support asked me to not use a password manager to log in, etc, but still can't verify my identity. This is intentionally under-supported. I am very well familiar with how easy it is to make a log-in and secure system that just works but TransUnion is clearly not putting in the effort to do so for their free services. I have tried accessing the account in XXXX and XXXX of XXXX  multiple times with support not being able to help me. Most recently attempted on XX/XX/year>.
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (FL)

ACCOUNT NAME LVNV FUNDING LLC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (VA)

I contacted the 3 credit bureaus providing information of inaccurate information and asked them to provide me proof of the decision, which I never received I sent the certified letter on XX/XX/year>, and on XX/XX/year> it came back accurate again, this is very functioning I reached out to both credit companies asking for the ledger history and I was disrespected, XXXX XXXX Int expressed to me that they weren't sending me anything else out and if the move out wasn't to my liking that's my problem, and Rent debt express that they weren't going to dispute the account anymore and they don't have to provide a payment ledger and I can't afford to live and pay my rent which was very unacceptable, and by law, I can request a full payment history leger,15 USC 1692 ( c ) This is affecting my life mentally,
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NJ)

RUBIN & ROTHMAN , LLC have falsely represented them self at XXXX XXXX New Jersey to collect the debt which RUBIN & ROTHMAN , LLC didn't own it nor have any contract in place to collected on client behalf. RUBIN & ROTHMAN , LLC bad intimidation and harassment have cause me pain and suffering and must pay by the State and Federal laws described it in 15 USC law.
Consumer complaint received 2024-08-05
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: MicroBilt / PRBC (formerly CL Verify) (MA)

Formal Dispute of Unauthorized Credit Inquiry by MicroBilt I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : XXXX Inquiry Date : XX/XX/2024 Alert Date : XX/XX/2024 Business Type : XXXX XXXX XXXX : Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by MicroBilt was made without my explicit consent. I did not apply for any credit or services that would authorize this inquiry. Under the FCRA ( 15 U.S.C. 1681b ), any credit inquiry requires the explicit consent of the consumer. 

Misleading Practices : I believe the inquiry was conducted under misleading circumstances. The FCRA requires transparency and proper authorization for credit inquiries, which were not observed in this case. 

Violation of Consumer Rights : According to the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is unauthorized and inaccurately reflected on my credit history. 

Potential Harm and Liability : The presence of an unauthorized inquiry adversely impacts my credit score and may affect my ability to obtain credit. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with the Act 's requirements, including unauthorized inquiries. 

Request for Action : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report. The misleading nature of this inquiry underscores the need for prompt corrective action. If this situation is not rectified, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I may also pursue legal remedies for any damages incurred due to this violation. 

Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (MI)

I am writing to file a formal complaint against World Finance regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting World Finance to provide full validation, as required under federal consumer protection laws. 

Issue : World Finance has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting World Finance to provide proper validation of the debt, including : 1. The amount of the original debt.

2. A breakdown of how the alleged debt amount was calculated.

3. Proof that the debt has not been paid or settled.

4. Any signed agreements or contracts showing that I am responsible for the alleged debt.

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) World Finance must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with World Finance, as required by the Truth in Lending Act.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The late payments on my credit reports should not be showing. I asked for assistance with a hardship and explained that I had XXXX  during the time the payments are showing late. I have never been late and would like Capital One to remove the late payment status on all three credit reports.
Consumer complaint received 2024-08-01
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. (FL)

the following accounts and inquires aren't related to my profile no knowledge nor do I consent to have this information on my credit file please remove immediately, REMOVE ALL NEGATIVE ITEMS Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) XXXX XXXX Balance {$23000.00} Balance updated XXXX XXXX, XXXX XXXX Balance {$4100.00} Balance updated XXXX XXXX, XXXX XXXX  Balance {$0.00} Balance updated XXXX XXXX, XXXX XXXX closed account Installment accounts Total balance : {$51000.00} XXXX XXXX Balance {$51000.00} Balance updated XXXX XXXX, XXXX These lenders have accessed your credit file : XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America ( BOA ) owes me {$6800.00} ( statement enclosed ) plus five years of interest. I closed all accounts with them in XXXX, confirmed again in XXXX yet they have fraudulent reports dated after that. Also, after reporting checks stolen, the bank cashed {$1700.00} worth of checks for thieves..attached. 
Initially, they returned the {$6800.00} back on a credit card, which I misunderstood as did a bank worker who told me to destroy the card. I did. ( statement enclosed ) The problem initially was that I did not comprehend that the minus sign ( - ) meant the money was on the card. 
After explaining this to more than 50 bank representatives, they claimed theyd send me a check. One swore Id get the money back via direct deposit I did not. The bank then sent me a statement showing a XXXX XXXX check # XXXX, but no check. I was told it said fraud because they did not know how to categorize it. 
When a XXXX XXXX at the Old XXXX XXXX XXXX in XXXX XXXX tried to find out why I never got that check they hung upon her. XXXX XXXX at that branch explained all the banks statements are fraudulent. And since there was no fraud, I cant have my own money back. 
Thus, instead of giving me my own money back, theyve stolen it and now have tried to extort more with false reports on my credit ( formerly excellent, now not ) and having many people call me demanding I pay. Ive spoken to their Fraud dept, their Collections dept, their Recovery deptall to no avail. When I went to the XXXX XXXX XXXX office two big guys were physically pushing an elderly gentleman out who was saying, but I have {$40000.00} in this bank. XXXX XXXX was with me. When a XXXX XXXX at the bank tried to get me my own money back, the department she reached hung up on her. I contacted their regional presidents office only to get a call from a nasty-mouthed woman saying just pay your bill. 
I closed all accounts with BOA in XXXX when they cashed {$1700.00} of my checks AFTER THEY WERE REPORTED STOLEN. My bank has been XXXX since then. However, when I was recently turned down for a home equity loan by XXXX for a reasonable rate, I was told I had bad credit and to look on XXXX. 
XXXX has reports that I owe Bank of America moneybut I do not. Yet the bank which owes me money is now trying to extort money from me with totally fraudulent reports on XXXX. The bank is unable to produce signed sales slips by me nor are they able to produce payees who, not only disagree that Ive ever purchased their services via BOA, but XXXX from XXXX would be happy to tell any judge or jury of his findingsthat Ive never charged their services through BOA anything.
Consumer complaint received 2024-01-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 at an XXXX XXXX XXXX store in XXXX, I put my card in to this XXXX Bank ATM trying to get out {$500.00} euros ( {$560.00} ). Put my pin in as normal and was met with an error : contact your bank message. No funds came out of the machine. Called them as soon as they were open the next day to get this cleared up. A few days go by and to my disbelief, no wrongdoing is found by either company and the investigation is then constantly opened and closed probably 5 times now with the same results : XXXX Bank getting away with stealing my money through an ATM error and claiming they did nothing wrong. I have been bringing this case to their attention through email with no luck of resolution. I am still to this day furious beyond comprehension at how this crooked bank can get away with stealing my money and face no consequences. XXXX  XXXX XXXX tells me Im FDIC insured for up to $ XXXX but wont cover {$560.00} for me despite having the burden of video proof and data from the ATM that should read an error occurred on that date and did not give out the money. Something needs to be done, this is insane.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I took out the auto loan for my business and paid it off in XX/XX/2023. 
After loan was paid off, the lender, Citizens Bank, filed UCC against my business. 
Because UCC was fraudulently filed against my business, I am not able to secure any type of financing. I contacted Citizens Bank several times. They denied to look into this.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to The XXXX XXXX several times before filing a complaint and dispute with Capital XXXX bank after I paid XXXX To have flooring delivered to my house my The XXXX XXXX because I am handicapped and cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my handicap information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house XXXX XXXX XXXX and that never happened and now I feel The XXXX XXXX along with Capital one is discriminating against me because of my disabilitys and XXXX getting ripped off my Capital one for XXXX.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I signed up in XX/XX/year> for a Chase Sapphire Reserve so I could get the XXXX points to travel. They charged {$95.00}. in XXXX. I called and said I didn't get a card. I only have 3 months to complete the spending requirement to get the XXXX points. 
They said they sent it, I said I didn't receive it. They continued the 'did to, did not ' for 2 levels of escalation. 
I left for the summer having to use a cards from XXXX XXXX and XXXX as Chase NEVER sent the card. As I was out of the Country and later out of State I NEVER had a chance to use the card that never arrived ( last XXXX is XXXX ). I have no idea what the entire number of the card is as I never received it. 
I called again before I left to try and get a card and a new time start on the spending period required to get the miles. They answered a hard NO. 
I called again today having returned from out XXXX XXXX XXXX XXXX XXXX XXXX.

My brother was here. The Card NEVER arrived.

Chase is refusing to refund the {$95.00}. application fee and refusing to send me a card with a new time limit on it so I could earn the miles. 
I said I needed the miles over the summer not now. I want to get a refund and close the account on the Card that never arrived. I escalated two levels today. She said she wouldn't give me a card ( transferring the {$95.00}. fee ) with a new start time nor give me a refund of the {$95.00}. for the card they never sent,
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: EQUIFAX, INC. (MS)

I am writing to demand the immearate deletion or accuracies listea on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (NV)

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more than XXXX  days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX