davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (AL)

We paid our car off on XXXX and Ally sais we still owe {$300.00} for late fees. When I paid {$1100.00} that was for 2 payments and the late fee that we didnt even owe. We had some late fees but not that much. The 2 payments were {$420.00} + {$420.00} = {$850.00} + $ XXXX {$1100.00}. Ally is saying we still owe the {$300.00} and is holding our title ransome. I have attached several papers showing. 
In XXXX we got behind because we needed extra money for XXXX. We did not get caught up until I paid the {$1100.00}. The first balance was {$1100.00} ( which I should have paid that, didnt want to over draw my bank ) - {$1100.00} = {$11.00}. But then it popped up that the balance was {$14.00}, so I paid that and then they reversed the payment. 
XX/XX/XXXX I tried to make a payment and they reversed it, then I paid the {$1100.00} on the XX/XX/XXXX. They also reversed the payment of {$14.00}, but I kept trying and finally it went thru. 
My complaint is that they are holding our title ransome and saying we owe {$300.00} and until we pay it they wont send us the title. Also, they have charged us lates fees that were not due.
Consumer complaint received 2023-11-25
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)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Dates : XXXX XXXX Amount : XXXX Reference : XXXX Overview : With assistance from my Home Health Aide, XXXX XXXX, I, XXXX XXXX, placed a Moneygram transaction as sender XXXX XXXX ( recently XXXX XXXX ) to receiver XXXX XXXX. XXXX XXXX requested a last name adjustment for it to be recognized and received properly. Moneygram refused even though this has been done before by them. Additionally, they refused to return the money. They gave a " release funds number '' a XXXX. However, there was no way to receive it from that particular Moneygram location. 

Upon going to the new Moneygram location they referred me to, they refused to release the funds unless it was the sender, XXXX XXXX.
Consumer complaint received 2024-04-13
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. (NJ)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank!
Consumer complaint received 2023-11-24
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)

I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me. 

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
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-24
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-11-15
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

On XXXX XXXX there were XXXX hard inquiries on Equifax. 

I called Equifax. The XXXX hard inquiries were related to my victorias secret master card. XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XXXX shows no information on their end that would lead to hard inquiries or fraud behavior. No new accounts in my name. Nothing in other regions. No requests for increases. No changes in account that would lead to hard inquiries. The account is active. 

Called Equifax back to tell them this. They said there is no mistake for the process leading to hard inquiries. They asked who I spoke to. I said I spoke to both disputes and fraud from the number on the back of my card. They said the hard inquiries through XXXX XXXX XXXX was for this number : XXXX and to contact them I call back XXXX XXXX to ask if that number is associated with them or anything related to my accounts. The said it was not associated with them in any way. 

After some back and forth between Equifax and XXXX, setting up fraud alert and security freeze I called the number ( number protected ) XXXX to see what this number is associated with. The call rings repeatedly then says, " call busy '', gives the busy tone and ends automatically. 

Because the number is not associated with XXXX, is on the equifax report, is able to pull hard inquiries but isn't an official business contact number this is fraud. I don't know if my identity is safe. My information is clearly accessible. And it's at a level that Equifax and my credit card company are also confused. Please look into this phone number and how this could happen. Also, if the hard inquiries are related to something we aren't seeing at this time. We obviously aren't seeing the whole picture but something is here.
Consumer complaint received 2024-04-12
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.

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 2023-11-24
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.

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 2023-11-24
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. (NJ)

XXXXXXXX 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  I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.
Consumer complaint received 2023-11-24
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)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I XXXX like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
Consumer complaint received 2023-11-24
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. (MA)

I have many accounts with incorrect information that is affecting me a lot with late payments and reported collections that may not be mine. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Greetings, Im submitting a follow up complaint to you today to inform you again that I was the victim of identity theft. After visiting the FEDERAL TRADE COMMISSION website https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and XXXX found out that you are required to investigate any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the investigation of the account that is being posted to my reports. The account is the compilation of account that is not associated with me or have been initiated without my authorization, so now I am requesting that you remove this account from my credit file. XXXX  XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance : {$350.00}.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

After several attempts with the credit reporting agencies, I keep getting responses saying they were unable to verify me. I have included copies of my personal documents several times. I do not understand how I was unable to be identified. After several attempts to have my report updated I am still at a stand still.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

I purchased an air conditioning unit from XXXX XXXX, which was advertised as brand new. Upon receipt, the unit was found to be defective, with missing components and a significant leak that nearly caused a fire hazard. Given the condition of the product, it failed to meet the advertised specifications and expectations of a new, functioning unit. 

After discovering the defects, I attempted to return the product and obtain a refund from XXXX XXXX. My requests were consistently ignored, and XXXX XXXX refused to accept the return or issue a refund. 

In response, I filed a dispute with Navy Federal Credit Union in early XXXX, expecting them to assist in resolving this issue. Despite providing substantial evidence of the product 's defects and the merchant 's refusal to process a refund, Navy Federal sided with the merchant. 

The dispute was not about the amount charged but about receiving a defective and potentially hazardous product, which was not as advertised. Despite acknowledging the unsatisfactory quality of the product, Navy Federal cited the reason for denial as : " The amount debited by the merchant was agreed upon when services were received. While we understand that the quality of services rendered was unsatisfactory, services were performed and paid for, and there is no record of service cancellation ; therefore, we have no recourse within the dispute process to pursue this matter further. '' This response does not address the core issue of receiving a defective product. Additionally, their suggestion to resolve the matter directly with the merchant is unfeasible, as my attempts to do so were already met with refusal. 


After requesting an additional review, Navy Federal responded with : " the merchant 's bank has successfully remedied the dispute. While we understand you are not satisfied with the outcome of your claim with XXXX, we are unable to continue to pursue the merchant on your behalf via the dispute process. We can only suggest that you continue to seek resolution directly with the merchant. '' This response disregards the fact that the merchant has already denied a refund, and the bank has withdrawn nearly {$400.00} from my account on XXXX XXXX, leaving me without the funds and with a defective product.
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (TN)

I'm very aware XXXX, Equifax, and XXXX, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX  Date Opened : XX/XX/XXXX  Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/2022 {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

They keep report my account late and my account has never been late they just dont take it out my account in time. I called and ask them several times to fix this and to auto deduct from my account and they still havent. im reporting them to the XXXX  and Attonet General Office. I sent several emails and spoke with them. My next step is to sue.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.