davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

I received a Title Loan from TitleMax which charged an annual interest rate of 160.03 % for a 5-month loan. In the State of Texas, the interest rate can only be 10 % maximum per year, which is a violation of Title 4 Sec. 305. I sent a Negotiable Instrument per UCC 3-603 to XXXX XXXX CEO of the company which was received via Certified mail on XX/XX/XXXX ( Certified Mail No. XXXX XXXX XXXX XXXX XXXX ). The debt should have been discharged. I continued to call to check the status of my account and was never notified that my car would be repossessed. According to the postal rule, a contract is accepted when the offeree places the document in the mail but in this case, the document was accepted and signed for. However, my car was repossessed on XX/XX/XXXX. I made my payments up until the document was received.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1800.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1200.00} past due as of XXXX XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$620.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$260.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My XXXX outstanding balance was 0, but the 2 credit agencies, Equifax XXXX XXXX failed to update my credit despite of numerous disputes. I contacted the XXXX  but they have no more record regarding my student loan balance because I was given forgiveness on my loan from XXXX.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$90.00}.
Consumer complaint received 2024-04-29
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have inquiries on my credit report that I did not authorize that need to be removed listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

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. 

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have written to the credit reporting agencies disputing inaccurate information thats reporting on my consumer file. There are names, Addresses, And DOB that are not accurate so they need to be corrected and removed from my file. I have written numerous letters and these inaccurate items are still reporting on my file.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B, I believe, necessitates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies regarding reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-04-29
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. (MD)

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is 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 to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the inquiries belonged to me the first time you reported the account on my credit report. Your failure to properly verify these inquiries has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : XXXX XXXX Debt Inquiry Date : XX/XX/year> ( Unverified account ) XX/XX/year> ( Unverified account )
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

IMMIDIATE ACTION IS REQUIRED
Consumer complaint received 2024-04-29
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. (AZ)

I made full payment the was reporting me as late payment I called them the said the cant do anything I would like to get removed out of my Credit bureau it was XXXX balance and o paid XXXX with interest fees total date of closed account was on XX/XX/year>
Consumer complaint received 2024-04-29
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. (AZ)

I made full payment the was reporting me as late payment I called them the said the cant do anything I would like to get removed out of my Credit bureau it was XXXX balance and o paid XXXX with interest fees total date of closed account was on XX/XX/2019
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a Bank of America XXXX XXXX Credit Card. It was never sent to me in the mail. I was never notified by the post office neither the bank on my status of the credit card. 

I finally received the credit card by XX/XX/2023 and I completed the {$1000.00} transactions in order to receive the cash rewards bonus of {$200.00}. 

Bank of America is not honoring me the reward bonus.
Consumer complaint received 2024-01-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

On XX/XX/XXXX and XXXX I purchased {$8000.00} in Best Buy gift cards. After they were attempted to be used on an online order, Best Buy froze the cards and drained the funds. I've opened several tickets with Best Buy 's customer service. Each time, the back office closes the ticket without reaching out to me. The card numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT I DID NOT AUTHORIZE ANY OF THESE TRANSACTIONS XXXX  Credit Report As of : Today XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXXXXXX Collection XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1100.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1100.00} {$1100.00} 1 Month Individual Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX payment
Consumer complaint received 2024-04-30
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-29
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (WA)

I am filing a complaint against Ally Bank for refusing to reimburse penalties and damages caused by their actions. They froze all my bank accounts on XX/XX/XXXX without warning due to a security error, and the assigned investigator failed to resolve the issue promptly, resulting in a week-long ordeal. This led to rejected withdrawals by institutions like the IRS and my internet provider, resulting in penalties for late payments and rejected transactions. These incidents have permanently damaged my account statuses, affecting my creditworthiness. 

Although Ally Bank reimbursed the IRS penalties, they unjustly refuse to reimburse the penalties from my internet company. During a lengthy phone call, their representatives repeatedly dismissed my concerns and cited a refund issued within the last 12 months as a reason for being unable to provide further reimbursement. This selective approach is unacceptable. Ally Bank can not freeze my funds, incur several penalties, and selectively address damages from only one institution while disregarding others. 

I urge the CFPB to hold Ally Bank accountable for their negligence. I am seeking fair compensation for financial losses, penalties, and the lasting negative impact on my account status caused by Ally Bank 's actions.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (GA)

I have been using Experian Credit monitoring service for over 4 years, paying a monthly fee of {$29.00}. According to the service, my scores are updated monthly by all XXXX bureaus. In addition I receive alerts and credit offers. 

Today, I sought assistance for a consolidation loan. The lender checked my XXXX report while I was on the line. The number he saw was XXXX points lower then what my Experian service reports my XXXX number to be. In fact, when I updated my scores on Experian today, my XXXX score went up!!! I then logged into XXXX directly and again found a XXXX point discrepancy ... ..on the same day!! 

How is this possible?? I am not in a good financial situation, yet, Experian would have me to believe that all is well!!! When I called Experian, they told me something about using different scales and scoring systems, but it still doesn't make any sense. 

If I'm paying them, I want to have accuracy ... .not a lie just so they can keep promoting more products. It's supposed to be helping me stay on track, not painting a false picture.
Consumer complaint received 2023-03-15
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: Professional Finance Company, Inc. (TX)

This company is reporting inaccuracies on my credit report but hadnt been about to price the debt. The services were not provided. I have also reached out to the original creditor without response. The amount and name is incorrect. I have had several instances of fraud its even listed on my credit bureau reports.