davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (MI)

I took out my initial Personify loan in XXXX as a fresh college grad naive to lending. Over the years personify continually offered me refinancing with a noticeably lower APR which came off as a positive thing. I now know this is common among predatory lenders. 

As of XXXX Im on my 4th refinanced load. I last refinanced in XXXX and spent a whole year paying and little to no of my payments went towards my principal, all went to interest. Another common act of a predatory lender. 

As of now I have been struggling with my payments due to a change of paydays on my new job. Personify recommend that I let my account go 30 days past due so I can negotiate a lower monthly rate that lines up with my pay schedule. This was an out right lie. I let my account go 30 days past due at their recommend and now they tell me theres nothing they can do unless I want to take a payoff agreement which requires me paying over {$2000.00} in lump sum which I do not have or I would not be in the predicament.

Personify provided me with advice that put me in a worse situation that if I wouldve just continued with things the way they were. Theyre practicing predatory lending and do not help people with a way out. They are distorting my XXXX credit score with their bad advice and now I cant afford to buy myself out of the situation they put me in.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I XXXX XXXX inherited a substantial amount from my late aunt retirement account ( XXXX  ) {$180000.00} via wire transfer. The inheritance led to the opening of an estate checking account and money market account. I had approximately 4 accounts with this bank. This bank was the worst bank ever I had numerous phone transfers numerous bank charges on my debit card that was not made by me. Disputes of charges were all denied. The staff of XXXX were very unprofessional and I believe that I was discriminated based off my XXXX  age  and race for the type of money I possess. I also believe that the bankers XXXX XXXX  XXXX  XXXX  and XXXX  XXXX were helping themselves to my account. My money was exhausted less than a year without apparent explanation. I was receiving numerous calls from fraud department despite being under daily limit. I also had incidents where the ATM will go out of service once I make a withdrawal outside of bank no matter location and several card shut downs which believe the atms was ripping my account off. I am contacting due to the recent closing of branches I would like an account specialist to work with me to receive back that which was stolen. I am 100 % sure they owe money. I was also notified by XXXX  XXXX XXXX that there was an account open in my name outside of me. Supposedly a person in the military which is now being investigated. More than likely this can be the same individual I have no clue who it may possibly please advise and have Huntington respond promptly in regards to compromise account? I ve never been this much without my money is needed it has cause foreclosure & confiscation of 3 cars. Thank you XXXX XXXX the merging of tcf bank is also a suspicion I had an account with tcf bank at the age of XXXX that went totally wrong left me in the check system XXXX
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-11-10
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: National Credit Adjusters, LLC (FL)

On XX/XX/2021 The National Credit Adjuster Agency report to XXXX a False and inaccurate address in wich I never leave and the other problem was that the National Credit Adjuster never sent me a notification of such collection From XXXX XXXX of a collection of Surge Credit card
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX XXXX XXXX I initiated a dispute with Transunion on my installment account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX dealership in Pennsylvania. I initiated the dispute because of the " balance/amount owed '' information was wrong on my report. This was a current installment car loan. Due to the creditors not responding to the dispute within 30 days the account was removed from my report which caused my score to drop almost 90 points at the time and lose credit history and payments. I reached out to the creditor XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX dealership. Throughout my conversations with them over the past 2 years, they have refused to report my account standing to Transunion. The creditors have told me everything from that I must report the account to the credit agency, that they have already reported the account, they can't report the account, I must send a formal letter for them to report the account amongst others. I made over 10 on time installment payments after the dispute including very large payments to pay the loan off early. The 30+ on time payments over 2.5 years on a XXXX XXXX loan that was paid off early was never return to my credit report and is still not on there over 18 months after the loan was paid off. This has caused negative effects on my credit score, credit report, credit history, and my potential on getting loans and better interest rates.
Consumer complaint received 2024-06-05
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 2024-06-04
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. (DE)

Upon reviewing my credit report, I discovered several inaccuracies. The three Credit Bureaus are required to verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these accounts as unverified without providing proof within the legally mandated time frame. 
XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00}
Consumer complaint received 2023-05-04
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. (NY)

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 : XXXXT XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : 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 2024-06-04
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. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-05
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. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On my XXXX report XXXX dont have any collections, XXXX closed accounts and XXXX open accounts. On my Equifax and XXXX there are different numbers of closed, open and collections accounts. 
Please verify, accounts should be removed for inaccurate information.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (CA)

I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (MS)

On XXXX XXXX, Equifax updated the payment history on a XXXX credit card account that has been charged off since XXXX. The change caused my credit score to drop substantially. On this same date, Equifax changed the remarks listed on this account. I have not been notified of these changes or why they are being made. However, IF these changes are accurate then Equifax is admitting to violating the FCRA laws on more then XXXX occasion by failing to properly investigate and update the information at the time that I disputed this account. Disputes have been made more then once on this specific account so if the investigation was done properly and the account was in fact verified as accurate then these changes would not be suddenly appearing. You may also note that the payment history was changed from 120 days late to 150 days late, but the account was listed as a charge off at 120 days late.
Consumer complaint received 2024-07-09
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 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 2023-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a letter from Capital one to recover my funds. Capital One denied my claim although the amount of wire was due to Fraud/Scam. CapitalOne fraud department did nothing to recover my scammed funds except request wire recall without any internal investigation of follow up. MY COMPLAINT WAS NOT HANDLED JUSTLY AND APPROPRIATELY. 
I do not think they even followed your own processes. After this event, CapitalOne closed by account. since I was a scammed victim, CapitalOne terminated my banking relationship with them. There was no resolution with this situation. I am very disappointed this was not resolved. CapitalOne only responded only after I filed a complaint number XXXX. I believe, had CapitalOne was vigilant in their Fraud department, I may have recovered some of my money. Losing {$20000.00} to a scammer is no laughing matter. CapitalOne denied my claim for reimbursement and closed my case without any resolution nor communication prior to closing my case. I sent the fraud department my evidence which they did not even reviewed. In addition, CapitalOne failed in following up with XXXX XXXX  to reclaim my funds.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MI)

Dear XXXX & XXXX XXXX XXXX I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER ( XXXX XXXX XXXX ) Issued In Pennsylvania This has effected my case with CFPB and XXXX XXXX XXXX because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. 
I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX XXXX the check with XXXX XXXX XXXX Bank for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called XXXX and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. XXXX claimed to be able to Verify with XXXX XXXX  but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE VHEICLE becaus XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with XXXX  and it had been verified but its XXXX end who is not releasing & holding the funds