davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (AK)

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 : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

On XX/XX/23 I received an email that states that my application was approved then a following email stating that my application was denied based on bank account activity. I never authorized an application or an hard inquiry on my credit report. I have a fraud alert in my credit that request that lenders contact me to verify my identity and information before proceeding to open any credit. That never happened. Also, I looked on their website, and it says that checking eligibility doesnt affect FICO score, giving consumers the impression that there is no hard inquiry. So something is very dishonest and non transparent with Net credit. I called the company and did not receive any information XXXX inquired how this happened. I spoke to an agent named XXXX on XX/XX/23
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

When I was XXXX XXXX XXXX XX/XX/2022 from a California prison. I was informed that my card had been used. So I contacted the US bank reliacard and file a dispute for the charges. I have been getting the run around for over a year. They don't send me the right paper and they never do what it says in the terms and conditions. I just get lied to hung up on told wrong information. I just want my money. I have turned in every piece of information I have to proof my case. And still I get nowhere. Please help me. Police report has been file and identity theft paper have been file with irs. And still nothing. Still to this day I don't have any paperwork from them. the transaction can't be accessed online because they won't help me get back on my online account.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TMX Finance LLC (GA)

I took a loan under title max for {$8000.00}. I paid paid back more than $ XXXX back to title max. They are still harassing me because I still owed them {$8000.00}. Even tho I paid them more than 3 times what I borrowed. They calling me today harassing me that they are coming to tow my car. I been paying them now for almost a year never late nothing changed on the principle amount I owed. I am getting threats by the business and they want to come take my car that I need for work. Uploading the statement of all the payments I made to the business which is way more than what I borrowed.
Consumer complaint received 2024-04-23
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. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX  Account name ( XXXX XXXX  ) : # XXXX XXXX XXXX account ( XXXX XXXX ) Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
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. (AZ)

I have filed two disputes in XXXX and XX/XX/2024 regarding XXXX  CC inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX  CC was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX  XXXX was XXXX but they were never involved. They opted to close the account.
Consumer complaint received 2023-11-01
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. (GA)

i am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. XXXX  XXXX account number XXXX, XXXX  XXXX  XXXX  account number XXXX, XXXX XXXX  XXXX account number XXXX. the FTC say the regulation is 4days upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days.
Consumer complaint received 2018-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Monterey Financial Services LLC (TX)

Consumer financial protection bureau I applied for credit to purchase a mattress and bed on XX/XX/XXXX. I was not aware the item I was interested in applying for credit would be sent out. Within the next week I found out that an approved application meant that XXXX would immediately send out the item shown interest. I received a call to make a payment for {$25.00} for processing etc. that call was followed up with an email from XXXX asking for more money. I began calling and disputing asking to stop the shipment. XXXX informed me that there was nothing they could to stop the shipment. I repeatedly called to let XXXX know that I was applying for credit not asking for goods to be sent without my consent. XXXX told me that they would return the bed and mattress. However, the delivery was made within a few days. I was at work when the delivery was made and the bed and mattress were left at my home. Over the next year Ive called and emailed XXXX over 20+ times asking for return labels. Eventually XXXX emailed me and informed me that they sent a XXXX return labels in XX/XX/XXXX. More than a year later! The link to the alleged return labels never worked. They could not be printed or even viewed. I asked for them to be mailed to me because the XXXX link they included in the email did not work. I never received those return labels. I then continued to send pictures of their brand new product still in original shipping packages unopened and never used. My last email was in XX/XX/XXXX asking for return labels to be resent again. My subsequent conversations have been on the phone. However XXXX continues to be unfair as I have made attempt after attempt to return this item. As of XX/XX/XXXX, XXXX has sold a balance to Monterrey Financial and it is showing a balance unpaid, late, and in collections. I have attempted to correct this error. XXXX says they can not speak with me because my account has been sold. XXXX says they can not correct the situation because they can only collect a balance I have to deal with XXXX. This puts me at at unfair disadvantage to the companies who are very hard to reach and even understand. There is a language barrier with 85 % of the customer service representatives. The hold time and time needed to speak with a supervisor is seldomly under 30 minutes.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I experienced a hardship during Covid/laid off and called XXXX XXXX to create an accommodation. As agreed, the account was paid, and the credit card company ensured there would be no late payments updated on my account as long as I adhered to the accommodation agreement. The account was paid as agreed on XX/XX/2023. I recently pulled a copy of my credit profile and realized there has been a series of late payments updated on my credit profile. I have contacted the CRA ( XXXX, XXXX, and Transunion ) requesting the information be updated as I have included all documentation. There has been no response or any due diligence to investigating this information on my behalf. These late payments are in violation of 15 USC 1666B with a billing error. Furnishing this information to my account is also in violation of 15 USC 1681. There should be no late payments listed on my account, this is not affecting my ability to obtain credit for my new home.
Consumer complaint received 2020-07-31
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: Bread Financial Holdings, Inc. (FL)

I made several request to have information reported on the credit report corrected due to COVID-19.  Accounts with Comenity Bank and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, 2020 and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor Comenity Bank and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For Comenity Bank, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account. 

As a retired military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with XXXX and Transunion and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and XXXX never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to XXXX XXXX. My car is also involved in a class action lawsuit and I showed proof of this to XXXX and Transunion but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since XXXX said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report corrected.
Consumer complaint received 2023-12-26
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. (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that may have been given Please see the attached notice ( XXXX ) I have also attached the first notice ( XXXX ) that was sent to each corporation that has been ignored.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

Nelnet will not process my SAVE application. I initially applied through the servicer on XX/XX/XXXX. I believe I gave permission for them to pull my XXXX from the IRS, but I'm not sure. However, it took my application and gave no indication it needed anything else from me, in fact I received several hang tight emails with the subject " no action needed while we process your app. '' Well eventually I get suspicious, do some reddit research and it turns out that a common issue reported is the servicer claims its complete but you actually need to upload a copy of your 1040! I do that and I also apply through studentaid.gov. Then my account starts says " we received your application on XX/XX/28. '' So, the weeks I waited and accumulated interest was for literally nothing despite them telling me I was go to go. Yesterday, XX/XX/XXXX, I log on and it no longer mentions my application????? I don't even know what happening with my application now???? Is it in limbo??? Is it gone?? It's been MONTHS. I have accumulated {$2500.00} of INTEREST in that time. This problem costs me {$40.00} A DAY. And because they applied an administrative forbearance on my account, they removed the .25 % discount!! That only adds {$40.00} to my balance every month!!!
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/2023 I submitted a complaint with the CFPB about an error code Please give us a call and give this code to the XXXX XXXX XXXXXXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

Equifax Responded with Dear XXXX XXXX, We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved. Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team. 

I don ' have a problem with logging in to my Equifax account, that is not the problem.The problem is that i am getting that error message above after I login into my account as if my report is blank or Equifax has had a data breach.I am asking Equifax to do a full investigation on the error code and fix my report so that it would not cause me any further credit damage.This is my second complaint about this error code. 

I need Equifax to fix this error : Please give us a call and give this code to the XXXXXXXX XXXX XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

This is my second attempt to fix this ongoing problem.I hope Equifax understand what I need corrected this time.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I opened an additional premium checking account earlier this year which had some minimum balances that I needed to meet each month in order to avoid fees. I have several accounts with Bank of America and my collective balance is well above the minimum qualifying balance. When I first opened my account, I visited a brand in person and it was confirmed that no further action was needed to link my accounts to my new account and achieve a collective minimum balance. Since this interaction, I have received 3 fees ( 2 have been reversed so far ) and have even requested to downgrade from the premium checking account to avoid the hassle of fees that in fact do not apply to my situation as my accounts continue to exceed the minimum balance required to avoid fees. The 3rd fee has not been reversed and I have reached out to the last associate from Bank of America who confirmed I should not be incorrectly charged fees again. I have not heard back from this associate yet, and am getting frustrated as I feel Bank of America does not care to solve this problem, and is technically attempting to steel from me ( via incorrect fees ) on a frequent basis.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After being negatively affected by identity theft, I have tried several times to rectify open accounts and negatively reported information with both the creditors and credit reporting agencies to no avail. I have been sending letters with no responses from either creditors or credit reporting agencies. This has been a great strain on me personally and professionally. By not being able to attain the credit that is necessary to grow my business.
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (MA)

There are 4 paid collections on my report that do not reflect this change. There is another collections account for {$620.00} for an account I have no knowledge of. Of the 4 paid collections, one was represented by a XXXX XXXX XXXX in XXXX, NH. They told me they will never remove the information from my credit report even though the account was paid in full. The debt collectors say they worm for a lawyer but I never spoke to an attorney who should have advised me of my rights. I did not know about a court date either. But the account is paid in full. 4 of 5 collections are paid in full