davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-17
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. (CA)

The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

I have disputed the charge made on XX/XX/year> two times with TD Bank Dispute department. The dispute department has said they agree with the Merchant ( XXXX XXXX ) that I owe {$6200.00}. I provided the text message from the owner stating {$5100.00} was the corrected charge ; copies of the paperwork signed with my notes all over it that {$5100.00} was the charge quoted. I spoke to several people who work for the dispute department, but they were unable to connect me with who actually was handling the paperwork. I had asked for paperwork that the Merchant supplied and the person I spoke to said he could not see what was sent. They mailed me copies of the paperwork which are altered documents by XXXX XXXX. They took off the notes I made and also went over the sales ticket and changed the {$5000.00} to {$6000.00}. I believe that TD Bank who represents XXXX  credit card should be representing me and not XXXX XXXX. Also, they are not acknowledging the altered paperwork they were provided.
Consumer complaint received 2024-02-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (FL)

On or around XX/XX/XXXX, I attempted to make a purchase from XXXXXXXX XXXX XXXX  online which gives the consumer the option to use XXXX  as an option for payment. XXXX is also affiliated with Affirm. At the time of the transaction, I was eligible to spend XXXX. The purchase amount was for around XXXX. At checkout, I chose XXXX for the payment option. I went through the checkout procedure and was requesting the items be shipped to a family member as it was a gift, and their address is not mine. Mind you, my Affirm account is only registered to me at my mailing/billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Needless to say, the transaction was declined from XXXX. I received a notification from Affirm telling me that the installment loan was declined because they couldnt verify my identity. The notification was addressed to the family member- XXXX and not me. First of all, the family member doesnt have an affirm or XXXX account. Therefore, I contacted Affirm by email inquiring about the declination. And to let them know that they had the consumer name wrong for the installment loan application. Affirm basically told me that they couldnt do anything about it and that I would need to wait 7 to 10 business days for any updates to be corrected on my account. As a result of this transaction being denied, my spending limit went from XXXX to XXXX even though I didnt have a loan to repay or merchandise to show for the decease in spending limit. Affirm told me their system only updates every 7 days. Meanwhile, Ive never been delinquent on any installment loan or late on a payment. Today, XX/XX/XXXX, i use their app to change my online password to my account which I do once a month. However, today I was locked out of my account and have no access. I called Affirm immediately and was told they cant do anything on their end for technical issues and I can call them back in 5-7 days for any updates. I would like access to my account, I would also like for them - XXXX  affirm to fix the loan status and fix the loan application so that it doesnt affect my credit being that my name is XXXX XXXX XXXX not XXXX who was going to be the recipient for the order. In addition to, I would like affirm to adjust and correct my spending limit to the restored amount. And, I would like notification sent to me that my account is in good standing and that payments on all loans have been accounted for in the last 30 days effective XX/XX/XXXX to present. Its very inconvenient that Im being punished for the glitches in their system.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (IL)

I utilized the chat feature on credit corp solutions website and spoke with someone by the name of XXXX. I asked what my payment options and settlement options were. He stated I could settle the debt for XXXX, I stated I couldnt do a lump sum that I needed to know what my payment options were. He then offered another lump sum and payment option with it. I informed him again that I could not do lump sums and asked again for payment options. He then proceeded to tell me they do not employ attorneys but if my account stays outstanding it could be sent to a lawyer firm at any moment for an attorney to take legal action so I needed to provide a lump sum today and then tell him what payment I could make every month or it would move forward to the attorneys.
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent a letter to TransUnion on XX/XX/2024, regarding a collection account that is on my credit report. I sent a letter to the Collection company and it was returned for insufficient address. On the letter I sent to TransUnion I informed them of this as well as informed them, the responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. I requested they remove this account due to the FCRA violation. 

They responded with INVESTIGATION RESULTS : VERIFIED AS ACCURATE ''. Which means they obviously did not do an investigation because I still have not been provided with an accurate address, This is over 90 days ago and this account needs to be removed off my credit report.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX are all guilty of the infractions below. 

- Account information incorrect - Account status incorrect - Personal information incorrect - Public record information inaccurate - Old information reappears or never goes away Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy. 

XXXX, Equifax and XXXX are guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) XXXX, Equifax and XXXX did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc. (OK)

We received a debt collection notice which stated we had until XX/XX/XXXX to contact the company.

The notice included the following text : " You may also use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXXXXXX  '' This URL does not direct to any known service ( 404 ). We attempted to contact the company at their phone number on the collection notice on XX/XX/XXXX : ( XXXX ) XXXX. 

We confirmed the Reference # on the debt collection note with them, but they refused to provide me with information to properly dispute the debt electronically. They said we could dispute with them over the phone, but this was contrary to the information they provided in the debt notice. The first agent we spoke with stated they never heard of that address and then refused to acknowledge that they were a debt collection company when we pressed them for information. They then terminated the call. 

We called back immediately twice and was disconnected after having our call answered without any acknowledgement. On the fourth call they forwarded us to someone who clearly was flummoxed trying to pass off them " being new '' as the reason for not being able to provide me with proper information. When we again asked what the web address to dispute electronically was, we were after several minutes provided with the following address : XXXX XXXX XXXX XXXX  that this is not even the same domain name as provided on their mailed notification. It also does not provide the ability to attach supporting documentation as the mailed notice states I have the right to do. The agent, when unable to provide information as to how to attach supporting documentation provided use with a " supervisor 's '' email address. However, when we attempted to inquire what this supervisor 's position was, and what department we were communicating with the agent refused to provide any additional information even after verifying the reference number on the account. 

The actions of this company are unethical and likely illegal as they are intentionally providing false information on their mailed documentation that prevents consumers from properly disputing the debts based on their advertised avenues. Nothing asked required providing any confirmation to them as we were simply requesting the correct web address to dispute the claim with the ability to attach supporting documentation all of which they stated could be done in their debt collection notice.
Consumer complaint received 2023-12-16
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. (AR)

I am writing to formally file a complaint regarding the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report. Despite multiple efforts, the inaccurate information remains, adversely affecting my creditworthiness and financial standing.

I have made multiple attempts to address this matter by contacting your agency through various means, including written correspondence and phone calls. Despite these efforts, the fraudulent items persist on my credit report.

Enclosed with this letter, please find supporting documentation that substantiates my claim of fraud and clearly illustrates the inaccuracies present on my credit report. I have attached : List of Documents, such as identity theft report.

I request that you conduct a thorough and expedited investigation into the fraudulent items outlined above. The continued presence of this inaccurate information is causing significant harm to my financial well-being, and I urge you to take prompt corrective action.

Conduct a comprehensive investigation into the fraudulent items listed.

Remove the inaccuracies promptly and update my credit report accordingly.

Provide written confirmation of the resolution and the actions taken.

If this matter is not addressed in a timely and satisfactory manner, I am prepared to escalate this complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (AR)

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-04-17
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-04-17
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My name is XXXX XXXX. I have an account with XXXX. XXXX is a buy now pay later option on purchases. The name on my XXXX account is XXXX XXXX which is incorrect. I wrote a letter to XXXX several years back and provided proof of my legal name change. It was never updated. On XXXX a loan was taken out on my XXXX account for a purchase with XXXX. Loan # is XXXX. The purchase price was {$2200.00}. I did NOT purchase anything from XXXX. I did NOT make the purchase, approve the purchase or have anything to do with the purchase. I contacted XXXX and they told me I had to contact XXXX. I contacted XXXX and they told me to contact XXXX. XXXX did provide me the order information that showed who ordered it and what address it went to. The same person ALSO tried to use my bank account to pay for the purchase. I reported that to my bank ( XXXX ) and XXXX and both entities worked together to get the transfer stopped and the money was put back in my account. BUT XXXX still wants me to pay for the product. I have filed complaint after complaint to get this unauthorized purchase OFF my account and OFF my credit but nobody will remove it. The person that purchased the bag is not an AUTHORIZED user on my XXXX account either. XXXX XXXX is not authorized to use my XXXX account. It doesn't matter if we USED to share the same last name that doesn't make it ok nor give her permission to use my account. I submitted bank records showing the reversal of payment, I sent the order from XXXX showing that it didn't come to my address, I submitted all my other XXXX loans and payment history to show I am responsible and pay all those on time, etc. This was eventually sent to collection ( XXXX XXXX ). XXXX XXXX had me submit them the same documents and they told me they WOULD NOT collect on it for XXXX because they feel it to be fraud / unauthorized. So XXXX XXXX sent it back to XXXX to deal with. I mean if the collection company doesn't even want to be involved that has to tell you something. But XXXX continues to send me letters telling me I am responsible to pay and its reporting negatively to my credit and hurting my credit. I want this addressed.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit file today and saw items that were investigated by TransUnion and removed reappear on my credit file. ( Account XXXX : XXXX XXXX XXXX {$430.00} ) ( Account XXXX : XXXX XXXX XXXX {$510.00} ) ( Account XXXX : XXXX {$250.00} ) ( Account XXXX : XXXX  XXXX -Deleted as a collection but showing as a charge off reporting late payments, and ( XXXX XXXX ) This is inaccurate information. These were investigated by both XXXX and XXXX, and they came back with the same result. I have had to go back and forth with TransUnion as if I am bothering them for trying to get help on this. I am once again attaching supporting documents. I have been a victim of Identity theft and I am being victimized again by Transunion. I have been very ill this past few years and going through this back and forth with TransUnion is taking a toll on my health. I am just asking that this be completed The information listed, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

To Whom may concern, I brought a car from USAUTO sales In XXXX XXXX Ga XX/XX/XXXX. When I purchased my car I also Purchased the Vehicle warranty which USAUTO SALES never brough. I put over {$5000.00} down on my car on top of other fee 's I was charged. I recently received a email from a company by the name of WEST LAKE PORTFOLIO located in California which that company is a debt collecting agency stating my car loan will start over meaning everything I've Paid just doesn't matter. I do not agree with that decision being I've paid over {$10000.00} to USAUTO SALES and now since they filed XXXX A paying customer has to suffer. In XX/XX/XXXX US AUTO SALES  filed for XXXX XXXX XXXX  protection on XX/XX/XXXX. This new debt collection agency located in California keep calling saying they will repo my car and ship it to Nevada to be sold in an car auction. I've never signed any contacts with WEST PORTFOLIO, and they are not on my current contract nor have I signed any new contacts agreeing with them. US AUTO SALES broke the contact sales agreement started on XX/XX/XXXX. I've called all 3 credit bureau and USAUTO SALES was removed and zeroed out. My balance is {$0.00} as of XXXX need this issued addressed. If someone can please get back to me on this issue asap. I can also provide proof and receipts showing everything. I also have my buyer contract with a detailed contact between me and USAUTOSALES.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've learned that the creditor didn't provide the necessary XXXX 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.