davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XXXX XX/XX/year> I disputed an account reported in by XXXX XXXX XXXX/ XXXX the file you maintain under my Social Security number. 
I was informed on XXXX XX/XX/year> that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action.
Consumer complaint received 2024-08-09
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (NY)

I recently found a delinquent account on my credit report. It started in XX/XX/2023. The account was not opened by me. My investigation found it was a XXXX XXXX the credit company aligned with XXXX XXXX XXXX XXXX They are looking into it. That made me look further into my credit report and I found other episodes of attempts to open an account.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report.
Consumer complaint received 2024-06-13
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. (PA)

I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$24000.00}.
Consumer complaint received 2024-09-18
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc. (IL)

Tomo Credit is a credit card/financial services company has been charging {$8.00} a month on my credit card for services that the company claims will assist in improving your credit score. I have not seen any truth to this claim. On XX/XX/XXXX, I sent an email to Tomo requesting to cancel, and asking about instructions on how to do so. I did not receive a reply to this response. Tomo attempted to charge my card again on XX/XX/XXXX, and sent several emails informing me that they have been unsuccessfully attempting to charge my card. Again, I reached out to the company and requested to cancel any existing subscriptions and to refrain from charging my card. I received XXXX follow up emails : one blanket response with claims on how the company can improve your credit score, and asking if I was sure that I wanted to cancel ( I replied and again, told them to cancel and stop charging mt card ), and a second email a week later asking if I was sure that I wanted to cancel. There is no intention on cancelling any services with this company. There is no way to do so online and after several requests, the only response from this company is several emails asking the consumer if they are sure that they want to cancel any subscription after repeatedly requesting to do so. Other consumers need to be warned about the fraudulent practices of this company.
Consumer complaint received 2024-06-13
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. (IL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-07-16
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. (AZ)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-09-18
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: ACIMA CREDIT, LLC (CA)

Lease # XXXX Acima repeatedly charged me failed payment fees without the payment failing this account was linked to my XXXX  XXXX account and whenever theres a debit XXXX  XXXX  sends me an alert via email or the XXXX  XXXX app. On XX/XX/year> I initiated a PAY INFULL transaction so it would be paid in full and the lease would be closed out but instead Acima only debited {$41.00} from my account and continued the lease payments. I never received a receipt/payment confirmation as to why my payment amount was changed or rejected. I logged into my account to try to pay it off again and I didnt have the option I only have a total of {$800.00} remaining which is crazy and it seems forced to remain in the lease and for lease # XXXX I never received an early payout option, I have never had this problem with any other leasing company that I have used for furniture 90 days same as cash is just that. The first customer service representative was so nice about trying to helping me but the second Acima representative I was kind of scared to do business with them. XXXX XXXX XXXX XXXX XXXX XXXX I cant handle rude people. I am so disappointed in Acima because I have referred XXXX people to them.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on XXXX of my accounts. I notice that this particular account XXXX XXXX ( XXXX XXXX ). Ive never been late on this account and it shows as an open account when this particular was closed on XXXX XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-16
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. (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 15 USC 1681. 

Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name :XX/XX/XXXX : Account Number : XXXX Account Name : XXXXXX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XX/XX/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 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 2024-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

I held a CashApp account ( digital application ) on my mobile phone ( XXXX ) for more than 2 years. I use the account, primarily, to send money in the form of cash to relatives located within the United States, as well as pay for service such as lawncare or other personal purposes. On Friday, XX/XX/XXXX I received an alert on my phone via CashApp that I need to verify my account. I entered the relevant information and my account was immediately closed for " violation of terms of use. '' I attempted to contact someone by the " contact us '' and chat features of the app and chatted with a bot, which took information and details regarding my inquiry. It restated the reason for the closure of my account, which I requested an investigation because I am not aware of how I've violated the terms of use. I informed them that I was hacked, because other similar services have been experiencing hacks during that same week, some of which I received emails warning me of potential hackings. I was advised that the request was submitted and I will receive the results of the investigation within 30 days. 

On XX/XX/XXXX, I received an email from XXXX, CashApp Support, stating the following : ________________________________________________________ Hi XXX, Thank you for your patience during our delay in getting back to you. This is XXXX With Cash App support. Thanks for taking the time to reach out. I'd be glad to look into this for you. 

We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( https : //cash.app/legal/us/en-us/tos ), including payment activity related to gambling ( XXXXXXXX XXXX XXXX XXXX betting of any kind, among others ) along with other potential violations. 

As a result, your Cash App account has been deactivated and you will no longer be able to use your account or its features. 

For more help, visit our Cash App Help Center at https : //cash.app/help ( https : //cash.app/help ) or contact Support directly through your app. 

If there's anything else you need today, feel free to reach back out anytime ; we're here to help and just one email away. 

Best regards, XXXX Cash App Support ___________________________________________ In the email, it stated potential reasons for deactivating the account, including gambling, casinos, etc., but I have not engaged in any of these activities and CashApp support will not provide details or information showing examples of transactions I have made that violated the policies.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX of XXXX, I asked EQUIFAX for a Reinvestigation of account XXXX XXXX XXXX Which came back as verified and accurate. I did the same with XXXX, to my avail XXXX deleted the account to violation of FCRA reporting act of in accurate information being reported. First, this account is over 7 years old and it was reporting inaccurate balance which manipulates fair reporting by law. EQUIFAX had more than enough time to fully verify the accuracy of this account which is over 7 years, and must be deleted. EQUIFAX has failed to do so which l Violates my consumer right that or protected by the FCRA and the CFPB.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

I have a XXXX XXXXXXXX XXXX that I purchased. On the paperwork my name isn't even correct they are reporting to my credit the wrong name. I was behind on the XXXXXXXX XXXX XXXX  and I was out of town because I work out of town. I was XXXX hours from where I live. They came and picked up the vehicle from the hotel when I was XXXX hours away and did not even send me a letter that I was late on my payment. They then would not release my vehicle even though I had the money to pay it and had paid it but I had to wait for it to be released. I had to cancel my schedule so therefore that one day, cost me XXXX I take school pictures for a living and I had to cancel because of them coming to take a XXXX away from me that was literally 2 months behind and didn't give me any type of notice. Then they made me purchase insurance that cost me over XXXX for 1 month. It took me about 7 days to get my vehicle back in the meantime I had to rent a XXXX XXXX home and then back again when they decided they would release the vehicle. I then had the XXXX another 2 months and they came and picked the XXXX up again at my house this time. I filed bankrupt and the XXXX was not suppose to be moved and they took the XXXX all the way to XXXX XXXX which is over XXXX hours from me and had all my personal possessions in the vehicle that I was not able to retrieve. They would not send my possiessions back to me and told me they were throwing them away. I now have looked at the only statements I can view and It said I owe them XXXX for a XXXX they illegally moved from my state and cost me thousands of dollars which I have proof of. They added all types of charges on my account and I just feel as though I was done wrong and I should be paid back for the amount of money they cost me and for my personal belongings in the vehicle.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This debt collector is inaccurately reporting a balance on a debt that has been settled. The debt is regarding unreturned equipment which was returned on XX/XX/24. I received validation of debt on today XX/XX/24 only about the unreturned equipment. I called the debt collector who stated the debt was for an old balance and a different amount however I was never sent a validation of debt for said old balance only the unreturned equipment. The debt has been removed from my XXXX credit file however XXXX and XXXX is still showing it as reported which is a violation of the FCRA due to inaccurate reporting! This is not fair and I have returned the equipment therefore the debt is no longer valid and should be deleted
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The Transunion website ( XXXXransunion.com or service.transunion.com ) is non-functional. On several occasions I have attempted to access both my credit report and my freeze status on this site only to be given the message that this can not be requested online. Here is the message : Sorry, we're having trouble showing the status of your credit freeze right now. 
You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX  XXXX XXXX XXXX XXXX. and Saturday - Sunday XXXX aXXXX XXXX XXXX XXXX Eastern Time. 
Last week I used to chat and the chat personnel assured me the freeze had been removed temporarily. But, it was not removed at all. 
Today, XXXX XXXX, 2024 I asked again for it to be removed temporarily and the CSR removed it permanently. So, now I have to go back and have it reinstated manually.
Consumer complaint received 2024-08-10
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. (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 : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TomoCredit Inc. (KY)

I signed up on TomoCredit.com on XX/XX/XXXX to evaluate my credit profile and acquire a {$10000.00} trade line. However, I've been experiencing persistent issues with the verification process. Despite being told to wait 30 days or upgrade to the VIP package, the verification process continues to fail. Even after being advised to wait an additional 30 days before trying again, the verification remains unsuccessful. This would entail paying next month 's service fee, even though I haven't received any services. My information is accurate and up to date, so there seems to be no valid reason for the verification failures. 

Due to these concerns, I've asked them to close my account, refund my money, and remove my data from their system. However, I haven't received a response, and my account is still open with my information retained in their system. I'm worried that this could be a fraudulent service and want to warn others to avoid similar issues. Upon signing up, they gain access to all of your bank information to monitor transactions and insight into your bills and overall lifestyle. Despite the payment, they haven't delivered any services and have refused to issue a refund or address the problems.