davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all 3 Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities. 

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights. 

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since 2021 in attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXXXXXX XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$760.00}.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all 3 Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities.

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights.

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since XX/XX/2021n attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (AL)

In accordance with the fair credit reporting act. 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 A 2 : It also states a consumer report agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a loan account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

do not have dates. Lowes takes out auto payments but they are doing it late and making my credit score lower. I have no control of this. They report it late but they are taking out payments and money is in the bank.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has failed to send out consistent payment reminders. They claim that they did their due diligence to reach out but I do not receive any correspondence. They claim to have sent out letters but we do not receive written correspondence. They have different emails on file and none of them are correct. They also call from unknown numbers that are marked as spam and do not leave any voicemails, therefore I never know who is calling me and for what reason. They also have it documented that they do not leave voicemails when I call and I have been told in the past that they are not permitted to do so. 

My credit score, and the credit score of my co-signer, has dropped significantly due to XXXX reporting late payments. But I am unsure how they expect payments to be made if they are not sending out notices to the proper sources of contact and are not leaving any sort of voicemail correspondence. We spoke with them as of Wednesday, XX/XX/XXXX, and they have claimed that they did their due diligence to reach out but this is highly inaccurate as every ounce of information is wrong. 

In addition, an agent from one of the calls made on Wednesday offered to send information via email to file a dispute through a credit union. It is now Saturday and that email has still not been received. I called twice Thursday to follow up. Thursday morning at XXXX XXXX I was told that they will be sending it to an email that should not be on file - I asked them to change the email and they said that would be a 24-48 hour process to change it and then another 1-2 hours to send out the email with dispute information. I said to leave the email as is so I could just get the dispute information. I called again on Thursday at XXXX XXXX as information still has not been received. I was told that this was due to not being signed up for email notices ( no one mentioned this to me in the last two calls ) and that they would set that specific email up for it. I was supposed to receive an email within a half hour from that call confirming some setting changes and then the dispute email in another 1-2 hours. It is Saturday morning and I still have not received that information. I will be calling again Monday morning as soon as they are available and will have to call every two hours if the email isnt received.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MO)

Square froze a payment that a customer sent to my account. This is the 4th payment that has been made by the same customer and same customer information for the last few months. They're holding money for no reason and do not respond to my inquiries.
Consumer complaint received 2023-10-23
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)

A month ago, I sent the three credit bureaus a letter asking them to omit this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items 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
Consumer complaint received 2023-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (IL)

I took out a personal loan with World Finance, and up until a few months ago, I have been making payments on the loan. I received a payment that was reversed out of my checking account. I tried contacting the loan company to address the matter but no one was answering my calls at the XXXX XXXX Illinois location. I later found out that the lender closed the XXXX location where I originated the loan, so I later found out the loan had been transferred to a new location. I called multiple times at the new location and it went into voicemail. Multiple messages were left and no return phone call. I received a notice that my wages would be deducted from my employer. In review of the letter, the letter was dated XX/XX/2023. It stated that I had 20 days to address the balance. However, the letter was not sent until XX/XX/2023. This meant that the lender appeared to be falsifying the date that they notified me of an attempt to wage assign my paycheck. With that stated, contacted the XXXX office and spoke to the manager XXXX She told me that the loan could be refinanced with one payment however, she did not have access to the account at her location. I then asked for the District Manager who she said was named XXXX. 

I contacted the South Carolina location which appears to be the corporate office to address the matter, but no one would assist me with the matter. I was told that the District Manager would be calling me 4 times no one called me. I called the corporate office on XX/XX/2023, and was told that the Regional Vice President XXXX XXXX would be calling me I did not receive a call from XXXX XXXX At this time, I am disputing any collections on this loan due to the Lender not returning calls and not doing what they have promised. In addition, they have violated state and federal statutes with the way that the wager assignment is attempting to be enforced. 

The Manager at the XXXX XXXX XXXX where the loan was transferred finally called me on Friday, XX/XX/2023, with a nasty attitude. She claims never called them and that is false. All she was telling me was that could not do anything. Then I tried to make a payment online and the account was blocked from me being able to access the account to make payments. At this time.
Consumer complaint received 2023-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current (WA)

Ive been having some serious issues with my bank and how they handle my money and I need some serious help me resolve this asap! I was referred to Current ( XXXX XXXX XXXX ) prepaid debit account by a good friend and upon becoming a customer and opening an account, i experienced my 1st problem back in XXXX of XXXX  when a ton of fraudulant charges took place without my authorization nor my approval. On or around Friday XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/2023. We were able to return to our home on late Monday XX/XX/2023 to assess the XXXX  to our home and learned from several of our XXXX  that after we went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  our home had been XXXX  at least once if not more so we discovered that the suspect had stolen my wallet as it had been left on the dining room table, most of our jewelry was stolen, and a gaming console was also taken so we promptly contacted police and got a report and also called to cancel all my credit/debit cards just to learn of countless fraudulant charges that took place during our XXXX  stay so we disputed all those unauthorized charges and also provided a police report, XXXX XXXX XXXX XXXX XXXX visit, as well as a dozen witness statements from our neighbors that witnessed our home being burglarized but our claim and all apeals were denied. We got a letter in the mail from Current telling us that because we did business at one or more of the businesses that the fraudulant charges were done at, they determined that the charges are valid and they were denying our claim. Thats irrelevant that just because we did business at any of the same businesses that the fraud took place doesnt mean anything. Thats not damning guaranteed evidence proving those charges were by me at all! They must have solid proof the charges belong to me and i guarantee they cant provide that as i already provided proof where i was during that time! Then another situation surfaced again on XX/XX/2023 when we were going through our financial statement and discovered a charge made to a place called " XXXX '' for {$1500.00} and we again disputed the unauthorized transaction as weve never even heard of such a place named " XXXX '', but again our claim was denied. Current stated after review they decided that no error ever occured but thats not right! This is insane! How can any business be allowed to do this? I filed a report with you months ago i believe and you concluded that the bank did nothing wrong which is XXXX! How can all my stacked evidence that i gave them be overlooked? They claim they take all fraud etc very serious and conduct thorough review before deciding and thats hogwash otherwise i would not be reporting it right now!
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I AM A FEDERALLY PROTECTED CONSUMER AND I'M BEING VIOLATED BY EQUIFAX MY CONSUMER REPORT IS NOT FAIR AND EQUITABLE TO ME AND UNDER THE FAIR CREDIT REPORTING ACT. I HAVE FEDERAL CONSUMER PROTECTION RIGHTS. EQUIFAX WILL NOT DELETE THE OLD ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX FROM MY CONSUMER REPORT. I DO NOT LIVE THERE AND I HAVE WRITTEN ASKING THEM TO DELETE THIS FROM MY CONSUMER REPORT ( XXXX ) TIMES PRIOR AND THEY WILL NOT COMPLY. XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX UNDER THE FAIR CREDIT BILLING ACT IF THERE IS NO EVIDENCE OF INDEBTNESS. I CANT BE LATE FOR ANY REASON. THIS ACCOUNT IS ALREADY PREPAID IT IS AN EXTENSION OF CREDIT AND NOT A DEBT. XXXX IS IN BREACH OF THERE FIDUCARY DUTY TO PROTECT MY NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY CRAs. I NEVER GAVE XXXX CONSENT TO FURNISH ANY NEGATIVE INFORMATION AND NEVER GAVE THEM PERMISSION TO A CONSUMER REPORTING AGENCY ( EQUIFAX ). NO CONSENT MEANS NO REPORTING!!!! I NEVER RECIEVED INFORMATION FROM XXXX ON HOW TO OPT OUT WHICH IS MY RIGHT AND UNDER THE GRAMM LEECH BLILEY ACT ( GLBA ) MY PRIVACY IS PARAMOUNT AGAIN THIS IS A EXTENSION OF CREDIT NOT DEBT AND ITS IMPOSSIBLE TO BE LATE ON A EXTENSION OF CREDIT UNDER FCRA 15 USC 1666 STATES 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. FCRA 15 USC 1666B STATES ( 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. HOW CAN I MISS ANY PAYMENTS ON SOMETHING I FINANCED? THE EXTENSION CREDIT ORIGINATED FROM MY SOCIAL SECURITY NUMBER WHICH WAS USED IN THIS CREDIT TRANSACTION THEN PREPAYED. THE TRUTH IN LENDING ACT SAYS I AM THE CARD HOLDER BENEFACTOR NOW I AM NOT RECIEVING THE BENEFITS AND IT IS NOW UNAUTHORIZED USE OF A CREDIT CARD. THIS CANT BE BE ACCURATE IF NO EVIDENCE OF INDEBTNESS EXIST!!!! IT IS IMPOSSIBLE TO BE LATE REPAYING AN EXTENSION OF CREDIT THERE IS NO DEBT SO THERE SHOULD NOT BE MARKED AS LATES REPORTING. THIS ACCOUNT WAS ALREADY PAYED IN FULL THERE CANT BE LATES AND BALANCES. XXXX CLOSED THIS ACCOUNT WITHOUT NOTICE OR ANY WRITTEN NOTICE THEY NEVER EXPLAINED MY RIGHTS OR ANYTHING TO ME WHICH IS A VIOLATION. DUE TO F.C.R.A. VIOLATIONS. DELETE THIS DAMAGING ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY. I'M STANDING ON MY FEDERAL CONSUMER RIGHTS THE FAIR CREDIT REPORTING ACT, AND THE FAIR CREDIT BILLING ACT, ON THIS ISSUE.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I called your department after I purchased a credit report with XXXX on XXXX XXXX XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX