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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Formal Complaint Against XXXX, XXXX, and Equifax for Negligence and Non-compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally complain against the three major credit reporting agencies : XXXX, XXXX, and Equifax, concerning their continuous failure to rectify fraudulent information on my credit reports stemming from identity theft. This ongoing issue has severely impacted my life and financial standing, and I feel compelled to seek intervention from your esteemed agency. 

Despite multiple attempts to resolve this issue, including providing necessary documentation and following the stipulated procedures, the aforementioned credit bureaus have not only failed to correct the inaccuracies but also have not provided any substantive feedback or documentation from the data furnishers who allegedly supplied this erroneous information. The lack of transparency and cooperation from these bureaus has left me in a precarious financial position, unable to move forward in various aspects of my life, such as securing loans and accessing favorable credit terms. 

It has been over a year since I first reported this issue, and the last communication regarding this matter has exceeded the 60-day resolution period as mandated by federal law, specifically under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, these agencies are required to conduct a " reasonable '' investigation within 30 days upon receiving a notice of dispute from a consumer and to correct or delete any inaccurate, incomplete, or unverifiable information. Their failure to comply demonstrates not only negligence but also an unethical disregard for consumer rights and protections. 

Furthermore, the lack of compliance by XXXX, XXXX, and Equifax with these legal requirements has caused significant emotional and financial distress. This negligence contravenes the Consumer Financial Protection Bureaus mandate to ensure fair, transparent, and respectful treatment of consumers by financial entities.

I am urging the Consumer Financial Protection Bureau to take immediate action against these agencies to enforce compliance with the FCRA. Additionally, I request a thorough investigation into their processes and a mandate for corrective action to amend my credit files and remove all fraudulent entries without further delay. 

Attached are copies of all previous correspondences with the credit bureaus, as well as a timeline of the events and attempts made to rectify my credit report. 

I appreciate your attention to this critical matter and look forward to your prompt response and resolution. 

Thank you for upholding the rights of consumers like myself. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MN)

I recently received a letter from a company that appears to be fraudulent/ illegitimate. The letter was stating it was collecting for the auto insurance company I cancelled months ago after they refused to take payment for the policy that was set up for autopay out of my checking account. That part I am reaching out to a private attorney about for legal assistance. I XXXX the company when I received the letter 2 days ago and people were warning to contact their state attorney general office which I did here in Minnesota and they have record of my report to them and advised I reach out to the Federal trade commission which routed me to you and also that I should reach out the US postal inspection service as well. Which I will be. If there is anything further you need from me please let me know. Thank you.
Consumer complaint received 2023-09-06
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. (TX)

XXXX, XXXX, and Equifax continue to report inaccurate information which is damaging consumer report. The account listed XXXX XXXX Account # : XXXX XXXX XXXX is listed multiple times with several inaccuracies. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has not provided me a copy of my credit report since XXXX. To date, I have made multiple requests via US Postal mail and telephone which are being ignored and denied. Every year I go online for my free annual credit report and every year Transunion is the only agency that will not provide the report. In XXXX I complained to Transunion about having website trouble. I spent hours on the phone and the issued was resolved. I explained to the representative that every time someone helps me log in, the username and password never works for the next log in. From that last phone call in XXXX until today, the agency is refusing to provide me with access to my credit report. In XXXX of XXXX I mailed the agency proof of address and a copy of my Georgia driver 's license. I never received a response. I have had to rely only on my XXXX and XXXX reports. Every time I attempt to login into Transunion website, I get an error message that my information does not match. In XXXX of XXXX, a mortgage lender advised me that all 3 credit bureaus are reporting mismatch information for the same accounts. On XX/XX/XXXX, I reached out to Transunion to make another attempt to gain access to my credit report. I was on hold for 10 minutes, the phone disconnected, and I received a link stating that my call needed to be completed via text message. I have provided a copy of that text with this complaint. On XX/XX/XXXX, I attempted again to gain access to my reports through a third-party company. The company advised me that Transunion is stating my social security number does not match. I reached out to Transunion and expressed my years of frustration. The representative told me that because my account had not been used, the account cancelled. She explained that I would need to recreate an account. I explained to her that I hear this same info every time the account is not working, and it is always inaccurate. I requested that she remain on the phone while I attempted to recreate the account, she refused. After the call disconnected, I tried creating new account and could not due to error message that info does not match. I called Transunion back and rep instructed me to email my driver 's license and a utility bill to the fulfillment department. I followed the instructions and received and email back stating they could not verify me. I have had the same Georgia driver 's license for the past 10 years and suddenly this agency can not verify me. This is a clear FCR violation. They are flat out refusing to provide me with my credit information and reporting.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (NE)

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 Date opened XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MO)

I mailed a Multiple Inquiry Removal Letter in XX/XX/2017 and XX/XX/2017 by certified mail and I also did a dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letters and the online dispute and they completed the request. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The was a loan on my account from XXXX XXXX that has incorrect terms that was never verified by Transunion, therefore the account was deleted from my credit file. However, it was re added without any notice, justification, or how the investigation was completed. XXXX XXXX was to submit documents on XX/XX/2017 to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (TX)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc (VA)

I had fraudulent charges on my account I asked about the policy on their website advertisers of XXXX Zero liability policy none of the representatives could explain this policy or I've heard of it I asked for information to be sent they just quoted off the website but would not honor said policy. I also asked about the get paid two days early advertisement they have and can not get clear answers from the representatives of Chime, In order to get them to send me any information other than tell me to go to the Internet and look it up. Now I have money stolen from my account and I have to wait for them to decide if I can have my money back or not. Could take 20 days Or longer according to them. They also deactivated my card when I told him not to do it yet because there was A transaction freeze button on their app. The agent agreed not to deactivate the card then did it anyway without my permission.
Consumer complaint received 2023-03-13
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. (MD)

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 and # XXXX, XXXXXXXX XXXX XXXX  # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-15
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. (TN)

Dear TransUnion, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained on XX/XX/2023 through the authorized channel, XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b.

As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible purpose.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (NY)

I signed up for a membership for XXXX in hope of increasing the amount of money I can borrow and turns out that I lost money to borrow. The plan that they advertise is false and now paying additional money for no reason.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (IN)

All my Federal Student Loans ( Nelnet ) were XXXX through the Total Permanent XXXX unit at Nelnet on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XX/XX/XXXX, all the accounts have reappeared showing me in 120-180 day default, and my scores dropped massively.
Consumer complaint received 2023-11-03
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. (NJ)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

After my first complaint ID XXXX they company said that they are going to send refund of my funds, but until now XX/XX/ I still not received my money, and they company didn't answer my email anymore, I need to open another complaint and ask to provide more additional information, when I will get my funds! 

As on the last response in XX/XX/ They say that Wise is available to provide additional information upon request. 

And this is the last response from the last complaint ID XXXX We have received the customers complaint and appreciate the opportunity to review and respond to their concerns. Upon review, we confirmed that the customers account was deactivated in line with the Wise Customer Agreement, which all customers must consent to upon account signup. As such, we are unable to consider reactivation of their account and we are unable to provide an explanation for the deactivation. At the time of closure, we confirmed that there was money remaining in the customers account. Please note that Wise is currently performing required due diligence checks that must be completed before we can provide an update regarding the possibility of a refund of these funds. As soon as the process is complete, we will confirm the outcome of these checks and, where applicable, return the outstanding funds. Wise is available to provide additional information upon request.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (CA)

XXXX multiple errors and so inaccurate... balances and dates are totally off... therefore according to 15 USC 1681 THE credit bureaus have the responsibility to report maximum possible accuracy of the information concerning the individual about whom the report relates otherwise the report is invalid so please delete it thank you. or pay {$1000.00} fine per violation
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Personal Cash Loans of SC, Inc. (SC)

XX/XX/2023 I went to Kinsmith here in South Carolina and applied for a {$650.00} loan, and I give them all of my information and the lady said that it was going to take about 30 minutes and I would get a call. So 30 minutes later I havent received a call from them, until I called them on the following Monday midday and asked what was the status on my loan application, told them my name and the lady said that I was denied and that I would receive a letter from the company on they decision, so I asked her could she see why I was denied because yall dont do pulled credit or credit scores. So I waited until I received my letter and on the letter say that I asked for a {$1200.00} loan and I know for a fact that I didnt asked for one because they dont loan out no {$1200.00} loan. They only give out {$1000.00}. I believe it was the amount that I was denied, but I know that they using my information to other lenders because Im receiving unwanted phone calls and numbers from different lenders about loaning out loans..