davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (VA)

I have a contract with Conns Furniture which I was past due because my finances didnt permit me to pay. I called called them yesterday, XX/XX/2023 because I saw online an option to make 2 payments of half my regular monthly payment of {$97.00} to bring my account current. I was told I could do that, but a manager gets in the phone and says if I can pay {$290.00}, they would match the payment and not only would my account be made current, but my next payment wouldnt be due until XX/XX/2023. I borrowed money to take that optio. I was not sent a receipt or copy of agreement as promised. I checked my account today and saw Im still past due. I called back and was told I am still past due. It wouldnt make sense for me to pay almost {$300.00} vs paying {$97.00} to become current. They flat out lied. I asked they contact the manager and representative who made the deal since everything is noted and they said no. I asked to pull the recorded call and they said no.This company committed fraud to get me to pay more than necessary to bring my account current and never honored their end. I need help resolving this matter ASAP.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (NJ)

I have tried multiple times to get fraudulent information off of my TransUnion report and the information keeps coming back verified. How can you verify fraud? I constantly get the run around and what they will do is they will update the date the account was opened and say thats how it was verified. How does that matter it is FRAUD. I have a FTC Report, Police Report I will start calling the White House until someone figures it out
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-13
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc. (TX)

XXXX  XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Made an inquiry on my credit report on XXXX, XXXX, and XX/XX/2022. I have never done business with them.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The issue revolves around the disbursement of beneficiaries share of funds from a deceased parent 's savings account. There are XXXX siblings of which XXXX have received their proportional disbursement while my XXXX and final share has been held back for no reason that Bank of America can provide. 



XX/XX/XXXX I received, completed, had witnessed by a BOA emnployee and mailed via USPS BOA proprietary Beneficiary or UTMA Custodian Letter of Instruction and Account Closure along with the requested documentation. 

XX/XX/XXXX Follow-up call with Trust unit BOA Employee : XXXX XXXX Confirmed receipt of my package of Beneficiary or UTMA Custodian Letter and requested documents. All looks correct to XXXX. 

XX/XX/XXXX Follow-up call with Trust unit BOA Employee : XXXX Check Authorized to be issued Requires 15 days from this date to arrive Advised to follow-up on XX/XX/XXXX XX/XX/XXXX Follow-up call with Trust unit BOA Employee XXXX No progress, no answers XXXX 

XX/XX/XXXX Follow-up call with Trust unit BOA Employee XXXX XXXX Authorization made on XX/XX/XXXX6.

Process time required 3 working days Follow-up on XX/XX/XXXX to confirm check posting to USPS XX/XX/XXXX Follow-up call with Trust unit BOA Employee XXXX Process has stopped with authorization unit. 
No further progress
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer report. Yet XXXX is reporting information of transactions between the consumer. The reporting of excluded information pursuant to 15 USC 168a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before replying that this account has been validated, lets be very clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/charge-offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtness by the Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX I legally changed my name to align with my gender identity. On XXXX I submitted documents ( social security card, drivers license, court order changing name ) to Equifax in order to update my name. On XXXX they returned the dispute having changed nothing, and asked me to submit the same documents again. In the time it took them to not change my name they somehow determined that my XXXX credit accounts and student loan account belonged to my dead name ( even though all three have been under the correct name ). On XXXX I submitted a dispute to remove a credit account that belongs to my mother from my report. On XXXX they returned the dispute, refusing to as we verified that this item belongs to you. The entire process of updating my information with Equifax has been extremely frustrating. Every page of their website and mouths of their support representatives have been filled with references to my deadname, and at times it feels like they are intentionally making changes difficult for trans users. If accurate reporting is the goal why do they happily update account balances and statuses while ignoring name and identity mismatches on those same accounts?
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 : XXXXL XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, has violated my rights. 
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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

Accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santender Consumer USA reprocessed car on XXXX and have video of them doing so with someone on motorcycle trying to break in with a jimmy and alarm went off and they fled scene and tow truck then pulled up and took it. XX/XX/ found out it was at XXXX XXXX XXXX and when I got there they informed me that the car was sent to XXXX XXXX in XXXX XXXX XXXX on XX/XX/ & also that they took my things out car which several things was Missing including my id and tax forms. I had until XX/XX/ to pay to get my car back. In addition they had my auto loan reporting as account closed on XXXX  as well, which was a week before I had to pay to retain car. Several employees in there executive suite department participated in deceptive tactics to cover up there mistakes that XXXX in executive suite pointed out to me and he made arrangements to stop selling of car at auction and stated to me directly that he would assist in Amicably fixing this issue by making arrangements for arrears and compensation financially for missing items upon review and assistance to getting my id and tax forms back due to fear of identity theft and theft of tax return on XX/XX/2023 which was same day was to be sold at auction. I called back several times after the weekend and got different employees in the same executive department and they all said I had to all of a sudden pay full amount of loan after I was directly told other wise by XXXX. I asked several times to have XXXX contact me and they said he didn't have a extension but sent him a message and NEVER A RETURN CALL FROM XXXX XXXX also stated to me directly on recorded line that they violated several consumer rights and he understood if I wanted to pursue other legal compensation ACTIONS as he said in acknowledgement of there WRONG doings, in addition he stated also they had a special department to have the repo reporting on my credit reports removed. Nothing has happened as I was told which led me to asked do they operate under uniform policy as a company or do individual employees can handle a situation as they please. I'm asking for Amicable actions and the company Santender to hold there employees responsible to follow through with what I was told would happen as a consumer.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (FL)

I checked again 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 accounts ( A ). It is not permitted to report these accounts 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. 
U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (MS)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$31000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Balance : {$5300.00}, XXXX XXXX XXXXXXXX Balance : {$6000.00}, XXXX XXXXXXXX Balance : {$31000.00}
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was sent info that Kohl 's XXXX  Credit Card COULD be converted to a Capital One Card. I called and they said I did not have to agree to that. I did not ever agree. They mailed me a Capital One card with a letter asking me to activate it and promoting the benefits. I never activated. I made a purchase at Kohl 's and intended to pay cash but she told me I didn't have to accept or use the Capital one ; I could use the old Kohl 's card and Kohl 's would bill me like usual ; not Capital One. I never got a statement from Kohl 's so I simply paid Kohl 's with online banking. Then today, a week later I get a statement from Capital One showing I owed the same amount to Capital One. I had already paid Kohl 's for that purchase. I called. The man explained it might take a while to reflect. I assured him I did not open or authorize a Capital One account. Nor did I give Kohl 's permission to share my info and open an account with Capital One. The statement said I could close the account. Capital One ( on hold a long time to reach someone ) wanted my name, address, social, phone numbers and email in order to tell me that I can not close the XXXX balance account unless they agree and in order for them to agree, I had to agree for them to share all my private information with their affiliates. I refused. Furthermore, they took over XXXX minutes of my time to explain my account was converted without my permission and found it humorous that this was done. They said they did not need my permission for Kohl 's to have converted the account. They refused to close my XXXX balance account unless I accepted the card and agreed to have them share my private info. I mailed a letter explaining again that I never authorized the account to be opened in the first place and want it closed and instructed them to close the account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$6700.00} ; ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT)

On date XX/XX/2023, I initiated a money transfer transaction through XXXX from my XXXX XXXX  account. The intended recipient 's details were accurately provided, and the amount transferred was {$2400.00} plus {$1.00} fee. 
Unfortunately, despite the transfer being processed and having surpassed the expected available date ( XX/XX/2023 ), the receiver has not received the funds. In response to this situation, I immediately contacted XXXX 's customer support for assistance. However, they were unable to provide any specific information about the whereabouts of the money or the cause of the issue. All they suggested was for me to wait for someone to contact me. No one has reached out or replied my email since. 
This situation has caused significant distress and financial hardship for both myself and the intended recipient. I kindly request your attention to investigate this matter and rectify the situation as soon as possible. 
I sincerely hope that this issue will be resolved promptly. Thank you for your attention to this matter.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Due to financial hardships I took the initiative to apply and was approve for a repayment plan with XXXX  financial bank for my car loan. I agreed to pay {$450.00} on the XXXX of every month for the next 8months and after my regular payment cycle will continue. I paid my part of the agreement. XXXX XXXX reported inaccurate information on my credit report which is a violation of my consumer rights, which placed me at a risk for fraud. I am mentally distress due to the breech in contract. I contacted XXXX  XX/XX/2023 and was told I could receive a waiver due to their lack of miscommunication of the repayment plan and their inconsistencies. I was told to wait 45 days. It has been more than 45 days and I have not received anything in writing. I am writing a complaint because this company has reported inaccurate account information of alleged late payments for the months of XXXX XXXX XXXX and XXXX of XXXX  and is inconsistent. My credit report has change numerous time due to XXXX XXXX incorrect reporting.
Consumer complaint received 2023-05-17
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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