davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted my complaint or dispute to TransUnion and XXXX last XX/XX/2024 about these accounts that reported negative/late. These accounts are paid in full and was never late. It should be deleted from my credit report immediately. This XXXX  and XXXX are reporting 100 % incorrect on TRANSUNION and XXXX. This account was paid and closed as agreed and on time. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also shows multiple accounts on the report with the same account number. The currently reported XXXX with account number displayed as XXXX on my Trans Union report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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 have been disputing XXXX XXXX on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my XXXX credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account
Consumer complaint received 2023-12-29
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. (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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flexible Finance, Inc. (FL)

Flex finance is stating I owe the XXXX for paying my rent in XXXX of 2022 when they did not pay my rent. I have been trying to talk to a person about it for almost a year and is not able to I even tried to login to the account they stated I had and has been unsuccessful. My lender has also been trying to reach them. This is effecting me financially and causing financial hardships for me and my life.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-12-28
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. (VA)

My Account with XXXX XXXX was resolved and settled. They keep reporting a balance on my credit, and they have also agreed to remove it. I have gone back and forth, disputing, and nothing has been done. The account is showing a balance of {$1300.00}.
Consumer complaint received 2023-11-18
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. (FL)

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 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 XXXXXXXX some of these are duplication and is really affecting my credit. In 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 an account without my written instructions.
Consumer complaint received 2023-12-28
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. (IN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (OH)

Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-27
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. (FL)

XXXX XXXX  MADE FRAUDULENT INQUIRY ON DATE : XX/XX/XXXX  WITHOUT MY CONSENT. 

XXXX ALSO MADE UNAUTHORIZED INQUIRY ON DATE : XX/XX/XXXX  WITH MY CONSENT. 

BOTH FRAUD INQUIRIES SHALL BE DELETE FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I APPLIED FOR AN AUTO LOAN AND WAS ADVISED THAT STATE EMPLOYEE 'S CREDIT UNION IS REPORTING A CHARGE-OFF TO MY CONSUMER PROFILE. THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER REPORT.
Consumer complaint received 2023-12-27
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. (FL)

XXXX XXXX MADE FRAUDULENT INQUIRY ON DATE : XX/XX/XXXX  WITHOUT MY CONSENT. 

XXXX ALSO MADE UNAUTHORIZED INQUIRY ON DATE : XX/XX/XXXX  WITH MY CONSENT. 

BOTH FRAUD INQUIRIES SHALL BE DELETE FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (LA)

I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2018-07-09
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. (SC)

On XX/XX/2018 I sent a letter out to XXXX  and Experian disputing the accuracy and the method of verification for student loans amounting to {$20000.00}. Both Experian and XXXX  failed to mark all the student loans accounts in question as " disputed by consumer '', per law within 30 days. Furthermore, XXXX has already deleted this inaccurate and unverifiable accounts as of XX/XX/2018 ( see attached documents ).
Consumer complaint received 2018-04-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

We have missionaries in XXXX, XXXX, and XXXX that we have supported for years. We used to send funds via MoneyGram but starting last year they have blocked all attempts and we were forced to use XXXX XXXX, where we had no problem sending, just costs more. I have spoken to several agents at Money Gram including a supervisor who says there is no reason for my transfers to be blocked saying it is a local problem. I have gone to a number of MG agencies and all locations say money gram is rejecting the transfer. The supervisor agent said they can not tell me what their record shows as they might give false information. It is unthinkable I can be blocked from making legitimate transfers without a reason. Please investigate why MG is doing this to us and we want to disclosure for it. We are legitimate and highly credentials and people of honor, we do not deserve this type of inept treatment. This creates a hardship for our people in their country to not receive funds via MG instead of XXXX  or bank transfer. Plus it costs more. They were given good service for several years and then last year stopped allowing us to send funds to our people in our locations global. 


XXXX2018 is the latest time this rejection was given.
Consumer complaint received 2023-12-27
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. (FL)

I am writing to formally dispute the accuracy of information on my credit report, which I recently obtained. After a thorough review, I have identified several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, such as the Truth in Lending Act ( TILA ) 15 U.S. Code 1666 ( b ) regarding billing errors.

Under TILA 15 U.S. Code 1666 ( b ) billing error, I observed the following violations : Failure to Reflect Payments on Statements : The creditor failed to properly reflect a payment made by me, resulting in inaccurate reporting on my credit statement. 

Computation Errors : I identified computation errors and similar accounting errors by the creditor on my statement, leading to inaccuracies in the reported information. 

Furthermore, it has come to my attention that the creditor did not provide a statement 21 days prior, as required by law. As a result, any reported late payments are deemed invalid, and I request substantial evidence from the creditor to substantiate these claims. 

Moreover, my right to privacy, as outlined in 15 U.S.C. 1681 Section 602 ( A ), and the requirement for written consent under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) have been violated. I insist on a thorough investigation into these matters.

According to the FCRA 15 U.S.C. 1681, any unproven, non-compliant, incomplete, untrue, incorrect, or unverified aspects of alleged derogatory accounts must be promptly rectified, or the accounts in question should be entirely removed. The following inaccuracies should be addressed promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX written off. The payment history is inaccurately reported. 
I demand that these discrepancies be promptly corrected or deleted from my consumer report. Failure to comply will leave me no choice but to seek monetary compensation for the violation of my rights under 15 U.S.C. 1681n civil liability. This matter has already been reported to the Complaint Portals for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

I expect your immediate attention to this matter and appreciate your prompt resolution.
Consumer complaint received 2023-12-07
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. (TX)

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 2023-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (IN)

I filed a dispute with chime and they keep saying it's under investigation but they don't have much to investigate. I purchased bt headphones they didn't work. I reached out to the person and no response of course. So I filed a dispute and chime has failed me. They're a slow company who allows their customers to get ripped off without pulling back the money. 

Avoid chime at all cost. Their a rude horrible company who is all about money and not the I've had multiple prepaid debt cards and their the worst thus far.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2023-12-27
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: EQUIFAX, INC. (NY)

While checking my Equifax credit report recently I found out that the following inquiries has been made on my credit report are without any of my knowledge or consent. I believe I am victim of identity theft. So I am asking you to remove these inquiries soon as possible. Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Carvana Group, LLC (TX)

According to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Vehicle loan or lease. 

Regarding the company 's response, they failed to address any of my concerns or complaints. They only provided updates when a payment was made or when a contract was signed, but completely ignored my recent contract amendments that were sent to them. These amendments were in violation of FINRA laws, UCC laws, and the Fair Credit Reporting Act. This lack of response is completely unacceptable, which raises a red flag about the way the company conducts its business. By disregarding my concerns and failing to address the violations of important laws, they have shown a concerning disregard for their obligations and responsibilities. This behavior calls into question the company 's professionalism and integrity. It is imperative that they rectify this situation promptly and demonstrate a genuine commitment to addressing my concerns in a thorough and satisfactory manner release all payments and deposit made on the account including removal of incorrect reporting on credit report and release all securities owed back to me as the investor of this company.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

I have a Macys account and didnt get my last statement and there was a late charge that was waived. I'm sure now there will be interest charges as a result. I can not deal with calling Macys everytime i have an issue. Please close my account immediately.
Consumer complaint received 2018-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I initiated a credit investigation with Equifax and XXXX XXXX back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX 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 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (TX)

Purchased on XX/XX/2023 check engine light came on notified dealer and west lake financial. Sent all required documents haven't received a response and you can not speak with anyone from their fraud audit team only by email even after sending the required documents
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

Around XXXX of 2022 a debt was accrued in my name due to identity theft from this company. I have tried several times to get this taken care of and figure out what happened, yet all I receive is is the message that someone will reach out to me and that the debt has been verified. I sent a dispute letter a month ago for this company to provide me proof of validation of this debt and I still havent received anything and these accounts still havent been removed. Not only are these accounts not mine they are also reporting inaccurate on my report.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

I paid for a product via XXXX, I chose my checking account by accident and was sent another inovice by the vendor. At which point I paid the vendor with a different funding source. The money was stolen from my account by the bank. The paypal invoice shows that XXXX $ of the XXXX was payed to the vendor. I called my bank to cancel this payment they won't, they say the vendor has the money. But the vendor doesn't have the money, XXXX hasn't recieved the money from the bank. No one will tell me where my money went, and I am being kept in the dark. The bank won't issue a temporary credit because now my account is in the negative and no one cares to protect my finances so why would I use a bank because they are not fufilling their commitment.