davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-07-11
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Consumer complaint received 2024-02-09
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: ALLY FINANCIAL INC. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (MD)

XXXX refunded my XXXX which I financed through Affirm in XXXX ( and had paid off in full in XX/XX/XXXX ) in the amount of {$4700.00} on XX/XX/XXXX and Affirm only refunded me partially ( {$1400.00} ) while claiming they processed the remainder of the refund amount to accounts that have been closed, which was clearly conveyed to their customer department and therefore resulted in a request that the issue a refund in the form of a check, which was agreed upon during a call with Affirm rep on XX/XX/XXXX. I have since relentlessly pursued Affirm and requested to receive my money back and they have consistently been unhelpful and quite obstructionist, systematically claiming that they did " successfully processed the refund. '' I have done a thorough investigation of Affirm 's refund history through XXXX members ' groups, and to my dismay, found out that it is indeed common practice for them to sit on XXXX customers refunds for months, which is both illegal and unacceptable particularly since their customer department is unwilling to provide adequate and fair assistance to resolve these issues and simply actively doing everything in their power to delay refunding customers for as long as they can. At this point, I have spend over XXXX hours on the phone and via emails and loss XXXX of dollars as a result of having to cancel clients and lose business opportunities to address this issue, which is why I intend to escalate this
Consumer complaint received 2024-05-01
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)

The information that is on my credit report doesnt belong to me. It belongs to someone else. I did not open any accounts or try applying to any of the creditors that is listed in the files. Please review my report and remove all inaccurate information.
Consumer complaint received 2024-02-09
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: ALLY FINANCIAL INC. (FL)

I sent in a letter through the mail on XX/XX/24 for this company to update my information accordingly with the credit reporting agencies and never received a response on the matter so I am now requesting all responses be sent through this CFPB portal to keep record of all communication with this company.
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc. (SC)

I've been going back and forth with this institution for the past six months about this debt and the unauthorized use of my personal information. This company funded a fraudulent contractor who never performed worked but charged me over {$25000.00} of no service and I ask this company by the way of an Affidavit to produce documentation that their contractor performed it obligations under the signed revolving credit agreement for this home improvement. I also asked that they honor their contract where it states that if customer is dissatisfied with their product or service and tried in good faith to correct it they don't have to pay the remaining debt. See Exhibit A Also on page 4 of Seller 's contract labeled CERTIFICATE OF COMPLETION states -- -NOTICE TO OWNER Do not sign this completion certificate or any agreement stating the you are satisfied with the entire project before this project is complete. Home repair contractors are prohibited by law from requesting or accepting a certificate of completion signed by the owner prior to the actual completion of the work to be performed under the home repair contract. This entire transaction is null and void because I was manipulated by Aqua Finance to signed this agreement before the work was perform which is a clear violation of the law. For those reasons everything pertaining to this transaction should be removed from all credit reporting agencies. See Exhibit B pg 4 I sent an Affidavit of Truth asking Aqua Finance to rebut my claims by the way of an Affidavit and I have yet to receive any rebuttal denying my claim. For those reasons CFPB is required to have this account removed from all credit reports. See Exhibit C
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied and was approved for a Capital One credit card with a 0 % APR. The promotional offer was set to expire on XX/XX/2024. The total balance was paid in full on XX/XX/2024. However, Capital One assessed interest rates on the remaining balance throughout XXXX. After speaking with Capital One representative, he informed me that the balance had to be paid off in XXXX, which makes no sense if the promotion was set to expire on XX/XX/24. I have utilized this type of promotion in the past and have never had a similar issue in which the balance must be paid two months before the offer expires. 
Furthermore, there is no indication in any of the monthly statements of when the promotional APR is set to expire, which is not the norm in any of the other companies I have utilized. All of the statements I have from other credit cards clearly show when the promotion expires. I had to call to figure out when my promotion had to be paid in order not to incur interest charges.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (FL)

called the company on XX/XX/2024 to pay the debt, was advised that they would collect the funds and provide the payment information to the clerk of courts with 10 days to clear the now paid debt refused to provide receipt for payment or any proof that the transaction had been accomplished. 

After providinmg the payment information on XX/XX/2024 I was advised that they would not process the payment until the following Monday, further delaying the resolution to the matter at hand. 

Because of their delay, my drivers license remains suspended and I am in jeapordy of losing my employment as a result.
Consumer complaint received 2023-05-01
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. (LA)

Dear XXXX, I am writing to dispute the following items on my credit report XXXX XXXXXXXX Acct # XXXX, has not been added to my Trans Union Credit Report XXXX I am requesting that these items be added to my credit report as they are accurate and reflect my current financial situation. I have attached supporting documentation to this letter to verify my claim. I understand that under the Fair Credit Reporting Act, you are required to investigate my dispute within 30 days of receipt of this letter. I request that you provide me with a written response to my dispute, including the results of your investigation and any changes made to my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed several accounts with TransUnion in XX/XX/2023. Upon supposed completion of the investigation a collection accounts was validated/updated erroneously. 
I have never had any contract or agreement with this collection agency XXXX XXXX XXXX. I also have not given them permission or authority to report anything on my credit reports and they have not and can not provide such documentation of any agreement or consent because it does not exist. They have provided no evidence whatsoever that this debt it accurate or valid at all yet is has not been removed from my credit report.
Consumer complaint received 2023-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2018-08-31
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: DISCOVER BANK (FL)

I believe I am a victim of fraud perpetrated by Discover Student Loans ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by XXXX Credit reporting. 

Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. 

For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to XXXX! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. 

When I learned they were reporting to the credit bureaus, I disputed the account. XXXX claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave Discover when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call Discover for further verification such a promissory note! 

I do not know where to go next. Discover will not give me any official documentation on this account and XXXX is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that Discover has a responsibility to provide me with documentation showing that I am responsible. Moreover, XXXX has a duty to report accurate information which they have also failed to do because they used only the information that I provided to Discover verify the account! 

Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.
Consumer complaint received 2023-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MI)

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Consumer complaint received 2024-05-01
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. (GA)

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2024 I have no recollection of initiating any transaction or applying for credit with XXXX XXXXXXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Consumer complaint received 2024-05-01
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. (CT)

I recently checked my credit report and I see some incorrect information that is affecting my credit report and my ability to obtain credit at the moment, can you please investigate this account? 
account- XXXX  account number- XXXX
Consumer complaint received 2022-11-15
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. (TX)

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 USC1681. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items of information, other than records of convictions of crime 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.