davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (CA)

XXXX XXXX XXXX, XXXX has ignored their grave duty to investigate such dispute received by me through the mail on XX/XX/2023. As the attached pdf below ( VALIDATION OF DEBT XXXX  ) is such letter sent requesting everything needed by the FDCPA act in which I got no response since! They had more than five days under 15 U.S. Code 1692g and are avoiding such duties.
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: EQUIFAX, INC. (TX)

Account XXXX I wrote a letter to XXXX XXXX XXXX requesting VERIFIED proof of debt or Proof of undertaking, XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, Notice of Default and Opportunity to Cure XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, without any respond. 
Send a letter to Equifax on XX/XX/XXXX requesting validation of Debt, they said it was validated, on XX/XX/XXXX XXXX send a letter requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax respond as verified. 
According to 15 USC 1681i ( 5 ) all reported information must be accurate.

Equifax has violated my Rights. 
Which is a violation. this is impacting from moving forward in my personal and business credit
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please remove these accounts immediately.
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (GA)

I filed a dispute with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Consumer complaint received 2018-05-15
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: Experian Information Solutions Inc. (LA)

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX  XXXXXXXX  XXXX XXXX XXXX Account Number XXXX Date OpenedXXXX 2.XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX Date Opened XX/XX/XXXX 3.XXXX  XXXX XXXX  Account NumberXXXX Date  OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XXXX XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (FL)

have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXXXXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all. 


I have attached the screenshots of the application as well
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (NH)

On XX/XX/XXXX| received a pre approved credit card offer from " aspire '' bank that said to scan the XXXX code provided to find out more information. I did as so. 
After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. 
The next day " XXXX/ASPIRE '' showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company. 

On Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response CFPB # XXXX Dear XXXX XXXX XXXX We are in receipt of your correspondence to the Consumer Financial Protection bureau regarding an Aspire pre-approved Credit Card offer that you received at your address. 
Per your request, this will confirm that we have updated our records to stop mailing credit card offers to you at your above referenced address. Please allow up to 60 days for the block to take effect due to existing mailing campaigns in progress. 
Additionally, a request has been submitted to the credit bureaus to remove the inquiry as we understand it wasn't your intention to submit a credit card application. Thank you for the opportunity to respond. Sincerely, XXXX XXXX., Executive Correspondence Specialist On behalf of Aspire Credit Card XXXX XXXX XXXX XXXX is the issuer of the Aspire Credit Card account As of XX/XX/XXXX they have done none of the above!
Consumer complaint received 2023-11-13
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. (PA)

I have tried again to dispute items on my credit report TransUnion and yet again they come back with. They don't have to dispute it again when my information is clearly incorrect. What is my recourse here? How can they deny you the ability to request your own dispute? This should not happen. I don't have any information to submit because number XXXX. The company is no longer in business and number XXXX. There's nothing to submit. It's it's wrong. The information is wrong and they should not be telling me they don't have to dispute it. And so if nothing is resolved I will continue to file complaints
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TN)

Consider this complaint as my follow-up to my previous letters dated XX/XX/XXXXXXXX XXXX XXXX 
My previous complaint contains these items which are presented to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several things on my credit report that are way beyond seven years old. For instance, there is a store card that was open in XXXX without my consent and it was closed two years later with no balance and no charges. That account was from XXXX. Closed in XXXX. It is now XXXX and for some reason they are putting it on my report again. These abuses are not minor. In addition, I am a participant in the California XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. They are not supposed to be using my home address on my credit report. Yet they continue to do so, despite being sent a letter from the state of California telling them theyre not allowed to do this. The department of motor vehicles, the department of health and human services, even the social services officers have to use my safe at home address. This protect my family. These people are literally putting my family at risk, and they have not resolved this issue.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (CA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This account continues to be reaged which is illegal. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (GA)

I'd like to notify you that Im still seeing the same and repeated incorrect accounts on my credit report. 

So many disparity on the reports reported by the credit reporting agencies. There haven't been any updates provided on my account and I find it confusing why they have different evaluation and result of verification despite getting this information from one creditor or furnisher of information.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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.

has violated my rights. Or a list of inquiries : 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 2018-05-15
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: EQUIFAX, INC. (MI)

I am filling this complaint because EQUIFAX has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX - that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for 7 or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want EQUIFAX to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-13
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. (FL)

Hello, so I am currently wanting to get this resolved. I have uploaded letters on the Equifax dispute center stating I have fraudulent inquiries on my report and that I demand these inquiries deleted from credit report. 
Inquiries I don't recognize : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Hey, This merchant - XXXX XXXX has first charged me {$1000.00} for my security deposit and then charged me again for {$450.00} as they have access to my Card from the last transaction. I have rent due in a week and this total of {$1400.00} is really needed as they have access to my card and decided to take {$450.00} directly from my bank! I did not try to authorize them to have access to just take money from my account and I was supposed to get the {$1000.00} deposit back! Can I please get this refunded please! It is very urgent. I returned the vehicle in perfect condition and they said I would get my {$1000.00} back. Please help me. 

Also you can see theb {$1000.00} was held for a couple days and was never returned they charged it like a week later even when they told me verbatim I will be getting the {$1000.00} back! Then they decided to take {$450.00} from the bank account since they have card info! I have rent due soon please help. They literally just took the {$1000.00} I was supposed to get back per their agreement and everything and I need it refunded! There is another case in which they decided to take even {$450.00}. 

Best, XXXX XXXX