davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2024-05-07
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Hello, I would like to know why a Hard Inquiry stays on a consumers report for two years? I think that is a very long time and very unfair to all consumers who are trying to improve our credit scores. That is why I previously submitted a complaint on wanting to know how the point system works? It is absolutely ridiculous!!!
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (NC)

I believe that the company 's actions have been highly improper and have caused me significant distress. I urge you to investigate and resolve this matter promptly. 

To provide some context, my mother, who cosigned on the vehicle, recently filed for bankruptcy. As per the legal proceedings, an automatic stay was implemented, which is intended to protect debtors from creditor harassment and contact during the bankruptcy process. Despite this legal protection, I was shocked to receive communication from a collection agency while my mother 's bankruptcy case was ongoing. This blatant violation of the automatic stay has deeply troubled me. 

In an effort to address this issue and understand the situation better, I diligently attempted to contact Westlake Financial to seek clarification on the matter. However, my repeated attempts to reach your office were in vain. The lack of response or assistance from your representatives during this crucial time added to my frustration and confusion. 

To exacerbate the situation further, I recently discovered that Westlake Financial claims that I should have continued making payments on the vehicle during the bankruptcy process. However, I was never informed of this requirement and was under the impression that payments were temporarily suspended until the bankruptcy was discharged. It is highly unfair and unreasonable to hold me responsible for payments that were not explicitly communicated during this challenging time. 

Given the lack of communication, contradictory information, and the threat of vehicle repossession, I find myself deeply distressed and concerned about the actions of Westlake Financial. It is my belief that such behavior is unacceptable and undermines the trust I placed in your company as a valued customer. 

I urgently request that you rectify this matter and provide a swift resolution. I expect Westlake Financial to honor its legal and ethical obligations, respect the bankruptcy process, and ensure proper communication and transparency moving forward. I also request that any impending repossession proceedings be immediately halted while this issue is being addressed. 

I kindly ask for your prompt attention to this matter. Failure to provide a satisfactory resolution will leave me with no choice but to escalate this complaint through legal channels and explore other avenues for seeking redress. 

I look forward to your swift response and a prompt resolution to this distressing situation. 

I spoke with XXXX Bankruptcy Specialist Westlake Financial XXXX XXXX She was rude and showed no empathy and also assumed the conversation I had with agent without any notes on XX/XX/2023, XX/XX/XXXX I spoke with 2 customer service agents that said they could not discuss anything. 
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection agency that demanded payment twice as of today
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

On XX/XX/XXXX I Sent A Payment Through Moneygram To Pay For My Boyfriends License Restoration Fees to the DMV. I Sent {$120.00} Plus A {$6.00} Processing Fee. After I sent The payment I Realized I May Have Put In The Wrong " Customer ID Number '' Which Was His Driver License/ State ID Number. 

So I Called To Cancel, Literally 5 Minutes After I realized It. They Imformed Me They Would Not Cancel It or Change The Id Number To The Correct Number. So Thinking That Was Not Ok I Immediately Filed A Dispute With My Bank. 

Since He Needed This Done Immediately, After I Filed The Dispute I Waited Until XXXX XXXX. and Paid For The Services Again With The Correct Information.At this point he realized that they closed his moneygram account and wasnt able to login anymore. So im assuming they blocked his account because i filed a claim with the bank. ( I Have Screenshots Of Both Online Confirmations from moneygram And Reference Numbers Showing I Paid Them. Twice! 

Once On XXXX XXXX 2020 And Once On XXXX XXXX. 2020 I understand their policy about incorrect information for the " first '' transaction. But I have not been refunded for the second transaction and when my boyfriend calls to the dmv to see if they recieved a payment today XXXX XXXX XXXX ) the dmv tells him they never recieved anything from money gram even though all the information was correct the second time i paid them the {$120.00} ... My bank has denied both claims. saying that I dont have enough evidence and i even recorded him today on the phone with the dmv through a voice recording app. 

Is there anyway i can get at least the second payment {$120.00} either refunded to me or sent to the dmv like it was supposed to be in the first place.
Consumer complaint received 2023-10-24
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. (CA)

I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. This is one of my numerous request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. I reviewed my credit report and that I saw that you have recently began to report me late on this accounts. I also stated that I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the bureaus and that they said you verified the lates to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-05-07
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries :

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I originally filed a complaint of XXXX XXXX XXXX  reporting incorrect information to my credit report on XX/XX/XXXX. Now it has been GREATER THAN 90 DAYS and the incorrect information remains. 
I also contacted XXXX XXXX XXXX  and attempted to give them the opportunity to fix the issue. XXXX has failed to acknowledge that there is a problem and keeps sending me letters, each one with different account information, wrong and different dates, and trying now after a year of trying to work this out with them telling me I need to contact a different department. This is only another stall tactic by XXXX instead of addressing the issue and making necessary corrections. 
XXXX XXXX XXXX XXXX - A contract was signed in XX/XX/XXXX to transfer the property back to XXXX on XX/XX/XXXX the Deed was signed back to XXXX. 
XXXX continued to report the property as delinquent for XXXX ( XXXX ) months after the deed was signed back to them ( XX/XX/XXXX ). I did not own the property and have copies of documents to prove my case. 
I originally disputed this with Experian in XX/XX/XXXX and it remains on the credit report and no notation of the dispute that is a violation of XXXX XXXX. 
Experian Information Systems continues to violate my rights in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX continues to violate 15 USC 1681, s-2, ( A ) ( 1 ) " they 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 ''. 
Experian fails to act on this and continues to report inaccurate information. 
RESOLUTION : Experian to Immediately upon receipt of this notice remove the account.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like XXXX to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license. To date the changes have not been made.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

This is XXXX XXXX do 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX do 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 2024-01-03
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. (AZ)

Upon checking my consumer report it concerns me there was an inquiry added on XX/XX/2023 from : XXXX Apparently is a home furnishing. I did not make this inquiry. Please do not grant credit to this company. Remove imminently Im not liable for it. Thank you!
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 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 you think to reply that this account has been validated, lets be 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, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By 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 Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MI)

I made a purchase of {$160.00} to XXXX XXXX XXXX for a faja using my chime credit card. However after the transaction they informed me they dont accept chime and I would need to dispute the transaction and pay with cash. I told chime about the situation and how I was charged twice and there was already an agreement with the company to refund my money. They even called me to reverse the transaction but couldnt because it was already in dispute with my bank and I gave that information to chime dispute team as well. Yet I was still denied with the only explanation being they found no error i rebutted and asked for the information used in the investigation and I was again denied the following day and still no information about the investigation.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-01-03
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. (TX)

I sent certified mail to all XXXX bureaus on XX/XX/2023 and again on XX/XX/2023 when they stated they verified all information, but never sent any type of proof. I asked them all to investigate these companies listed below according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I stated they are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. I haven't received anything, but them stating they verified these accounts. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts which are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX do 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.