davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account number : XXXX XXXX FCU Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-10
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)

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXX XXXX/ account # XXXX
Consumer complaint received 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number XXXX, 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 an account without my written instructions
Consumer complaint received 2023-04-21
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-26
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. (FL)

I am interested in processing disputes on my credit report with Equifax to remove an delete all inaccurate information that is hurting my credit report. looking over my file its alot that needs to be corrected. delete all invalid information to correct my credit report 100 % asap.
Consumer complaint received 2018-08-17
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. (CA)

I opened a dispute with XXXX because of issues with their dispute decisions on accounts that were opened in my name. The accounts in question literally were opened when I was very much so under the age of XXXX, its not even possible for me to have opened these accounts but theyve told me that these have somehow been verified.
Consumer complaint received 2018-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (AL)

I took a personal loan with Tower loans in XXXX XXXX XXXX, XXXX, AL and six months into the loan, I realized that the company added life insurance, disability insurance and other insurance products to my account without my consent.I was never asked if I wanted to add these add on insurance products to my account.Anyway, I realized after six months of payments that my balance was higher than the original loan amount. When I called to find out why this was the case, the Manager explained that I had all these add on insurance products which I didnt sign up for.I requested for the insurance products to be removed from my account, but the Manager said that, I have to come in person and sign some documents for the products to be removed. So, on XX/XX/2018 I went to the Tower loan branch to sign documents to get the insurance products removed from my account.However, I was surprised when I called on XX/XX/XXXX, to make a payment and I was told that I have insurance products on my account.Again, I requested that these add on products should be removed from my account and the Representative told me he removed them, even though the Manager had told me before that I have to come into the branch and sign documents for them to be removed. XXXX XXXX, XXXX preys on their customer with their deceptive practices. This has to stop, otherwise I will never be able to payoff the loan.Please take action this deceptive company.
Consumer complaint received 2024-04-11
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. (OH)

I have contacted TransUnion on multiple occasions regarding fraudulent inquiries on my report. I was told they have notified the creditors but no action has been taken. I was then instructed to file a FTC report and send in. I have done this as well. The inquiries still remain on my report and TransUnion refuses to remove even though according to the law 15 US Code1681c2 all that is needed is a statement from me that the information is not information related to me. I have sent all required documents and have had identity theft for years now & I have never had this level of difficulty removing fraudulent items. They are in violation of the rights.
Consumer complaint received 2023-04-21
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. (FL)

I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report to be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries. I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature.

If you are unable to meet my request, please remove all 7 inquiries attached. I am allowing 15 days for all items attached to be removed.

Thank you,
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I deposited a mobile check into my account of {$600.00}, account said it would process by the end of the day, when I had checked up on my account the deposit said it wouldnt be ready till XX/XX/XXXX. I have called capital one, the bank I am using to see about an early release. They said to call today, XX/XX/16 and do an early release. When I called today they told me my account and the check werent under the same name. When I checked, the account and check both had the same name. Due to the companys mistake of not putting my first last name my card only has one of my last names. They told me they could not release the funds on the original date and that they could not cancel the check.
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Attached is a copy of the letter I sent to Transunion on XX/XX/2022 : XX/XX/2022 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Disputing Information in Credit Report. 
This item XXXX XXXXXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item DPT EDXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed This item XXXX XXXX XXXX inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX  XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item DPT EDXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 

Please contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Prizm Financial Company, LLC (IN)

My financing company has broken a number of federal laws from the tila laws ranging from unfair practices, fcra violations, repo violations, producing the accountant ledger which shows the transaction made between them and whom they purchased my alleged debt from.Also my account validation and not verification.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking account with Bank of America in XXXX and the bank issued me XXXX credit cards for the same account. On XX/XX/XXXX, these credit cards went missing, and they were reported stolen on XX/XX/XXXX. The individuals who stole them changed my log-in info., mailing address, phone number and e-mail. I then proceded to file a fruad claim. On XX/XX/XXXX, I called BofA to see if I could cancel my checking account, and I noticed there was a balance of {$1000.00}. I called the XXXX Department because there was a {$100.00} past due. I re-opened the claim of fraud. On XX/XX/XXXX at XXXX because I found the credit cards that were issued to me in my truck, and they were never activated. On XX/XX/XXXX, I called BofA and they said the claim can take up to 45 days to and they told me to call them after XX/XX/XXXX. I wanted to check how my claim was going, so I tried longging in on line, but my information was changed again. I called BofA, and was told to go to a branch to get this fixed, so I went to the location on XXXX XXXX in XXXX, CA. There, I talked to XXXX and she told me to call the XXXX Department again. I could have called from home. Nothing got done -- the scamers kept on changing my personal info. in seconds, and I was still at the bank. I'm thinking it's someone that works for BofA... I told the branch XXXX there to cancel my cards, but they were never canceled. On XX/XX/XXXX, I reopened the case. On XX/XX/XXXX, I called the BofA at XXXX to find out what was happening with the fraud claim filed on XX/XX/XXXX. There was no update because, according to them, there wasn't sufficien information.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2023 capital one online banking XXXX they are holding my money i was robbed at XXXX XXXX I'm having trouble getting my id and documents i have explained this to them them my old job even did direct deposit so i can get funds however they still haven't helped me i know is their policy but i have tried everything and have been ignored
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2023-01-22
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. (FL)

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

XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 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 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I have emailed the company several times requesting information on what the Debt-income ratio is, minimum income for the loan amounts, the verification process for loans, and I can't get an answer. The only response I get is that signed the papers and it's what I owe. I will say this if I was given a loan I can't afford how can I be expected to pay it back?
Consumer complaint received 2023-02-02
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)

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.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (IL)

Upon viewing my credit file with XXXX, XXXX, XXXX  I became aware of Security Credit Service reporting an amount : {$1200.00} owed. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. This creditor should remove this account from my file ASAP.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2023, the sum of {$5700.00} was wrongfully and improperly charged to my Citibank Checking Plus Line of Credit. Although providing Citibank with a formal Billing Dispute with regard to this charge pursuant to Section 1026.13 of the CFPB Rules on about XX/XX/XXXX, I have not to date received any acknowledgement or other communication from Citibank in response to this Billing Dispute notice. Please see the attached copies of my Billing Dispute notice, as well as the Certified Mail Receipt and Return Receipt for such notice. The 30-Day period for Citibank to respond to my Billing Dispute has apparently expired. Also, Citibank continues to make efforts to collect the amounts disputed.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or 365 Days ago, or 1 year ago, I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial Services transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in XXXX. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on Loan 4. I never asked or consented for that money to be placed on Loan 4. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Consumer complaint received 2018-08-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

Received call from XXXX XXXX the beginning of XXXX about my not making my XXXX payment. I explained that I don't have the money until the XXXX  Wednesday of the month ( soc.sec ck ). Received letter from them dated XX/XX/2018 saying I was two months behind, XXXX payment due XX/XX/XXXX have 5days grace. Letter stated that if I didn't make payment they were going to repo my car if I did not respond within 13 days from the date of the letter for the balance of {$280.00}. I borrowed {$230.00} added note that I would pay extra each month to get caught up. Didn't hear anything from them. Now I am receiving calls from them. I changed my phone number so I wouldn't get any more calls.
Consumer complaint received 2023-04-04
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: 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. (OK)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 vears.

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.