davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (VA)

I took out this loan in 2021 for XXXX  XXXX with XXXX XXXX and Universal Servicing acquired the debt from them for {$10000.00}. XXXX for XXXX  and XXXX for travel. They are reporting the initial debt was {$12000.00} and I have emails from XXXX XXXX detailing the payments. I dont know where they got {$12000.00} from. I have never been late nor have missed a payment and I want the original balance to be updated to reflect the correct amount which will in turn lower the correct amount owed.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I always ensure my payments are made on time. I am certain of this. What I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-04-27
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. (IN)

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C1681. XXXX XX/XX/XXXX # XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15U.S.C 1681 C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTIDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS IN ACCURATE..
Consumer complaint received 2023-09-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

Incomm has been ignoring my open complaint for more than two months regarding a prepaid gift card manager by them. Their gift was non-usable in any of the stores and after multiple attempts, I decided to surrender athe card and get a replacement. On XX/XX/2023 I raised a complaint and was told I will be getting a refund sent to my home address with in 7 to 10 business days. The case if they have provided for my issue is XXXX opened on XX/XX/. Since then I have called them multiple times. But not even a single progress on it. Every time I cal them, they ask me to reach back in 24 to 48 hours. Every agent attending to my issue mentions the same as an automated message. All I request is the latest update as the card has been blocked with funds on the same date of case initiation. Since then I have no clue on what is the investigation they are doing even after holding the money. I reached out to their management team over XXXX. I activated the XXXX just to explain about the poor customer service I have even going through. I did get a response that my complaint is forwarded to the right team and I was reached out by this team and told that my refund will be sent through XXXX. But then no response after that. Complete carelessness and poor customer service from incomm. No one wants to own the issue even after its escalated. It looks like a scam and not sure how many folks are still waiting like me for months to get the refund!
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

I went to make a purchase and it came up declined. Called number on card and it comes up saying account is closed. I was never informed anything about account being closed. Account is not past due. Since they closed my account this will hurt my credit score.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (OH)

Opportunity Financial , LLC has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (CO)

On XX/XX/XXXX i called Explore Credit to stop my automatic ACH payments. At first they said they could not stop by automatic payments w/o providing 3 months of bank statements. I didnt feel comfortable sharing that information with them. I then asked to speak with a supervisor and after sharing with him that i am not legally required to share my bank statements in order to stop my ACH payments he then said that he would stop my payments. 
Today, I noticed XXXX charges on my bank account from them! One was for {$220.00} and the second charge was for {$73.00}. 
I immediately called them and asked why my ACH PAYMENT with them went through when I specifically called them on XX/XX/13 and requested a stop! They said No they were not stopping my ACH payment until i shared 2 months of bank statements i called my bank and flagged those XXXX charges. My bank also advised me not to share any bank statements with them.
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. (NC)

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 usc 1681 e b all information reporting to someones credit report must be accurate or shall be removed immediately *Account says it was opened on different dates *Date last report is different
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am reaching out to voice my concerns about how my dispute over incorrect late accounts listed on my credit report was managed. 

Recently, I got an updated letter from your company stating that these inaccurately reported late accounts were verified. However, I'm concerned about the apparent neglect of the new and relevant information I submitted, which clearly shows these late accounts are inaccuracies. I wonder if this information was shared with the creditor during your investigation. 

During my study on the management of consumer complaints, I encountered details on the XXXX XXXX  utilized by your organization for probing into these matters. It's crucial to underline that this mechanism is not without its flaws, and its dependency could result in imprecisions while resolving disputes. 

Moreover, Federal Trade Commission ( FTC ) regulations mandate that credit bureaus must carry out comprehensive investigations into consumer disputes, rather than just echoing data from creditors and collection agencies. A genuine investigation must be carried out on the mentioned late account. 

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your company fails to take the necessary steps, I will be compelled to lodge several complaints and consult with a lawyer who specializes in the Fair Credit Reporting Act ( FCRA ). 

I strongly recommend initiating a fresh inquiry into this issue immediately, making certain that my rights according to the FCRA are maintained. 

I appreciate your focus on this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (WA)

Grain technology has been incorrectly reporting to XXXX for several months now that I am not only over 120 days but that I owe them {$160.00}. This account was paid in FULL in XXXX of this year. They are stating that they submitted a manual update to XXXX on XX/XX/ but as of today XXXX is still reporting money owed. This has impacted me negatively Grain technology refuses to correct the problem as they have already updated the information and have advised me that I need to correct the problem myself. Credit bureaus report information furnished to them as its furnished to them so if they are reporting false information thats because thats what they have. Also credit bureaus dont accept information from consumers but from creditors, collection agencies, etc. so my only option at this point is to wait for it to age off my report and be removed at that time. I thought by law information had to be correct.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the XXXX account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and XXXX XXXX XXXX, XXXX, XXXX, and Transunion have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from XXXX XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with XXXX monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from XXXX XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by Transunion another inaccurate reporting is the XXXX XXXX XXXX account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unauthorized inquires on my credit report Inquiries XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/2XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2017-01-03
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Worldwide Recovery LLC (OK)

My family and employer was contacted by a XXXX Collector stating they were Worldwide Recoveries. They never contacted me in writing or by phone. They contacted several relatives and my job stating they needed to serve me legal documents and I needed to contact them within a certain amount of time or they were going to sue me and garnish my wages. They wanted to set up a XXXX payment agreement from my checking account to resolve the issue. I contacted the actual loan company and they stated they never sold my case to Worldwide Recoveries. I contacted a local XXXX in my area and they did some checking for me and could not find any legitimate information or valid phone number for this company. They could only find information from other people online with the same complaints as myself. The XXXX told me they suspect I had been contacted by a scam XXXX and to ask for information from the person that called me and I did try that and the man I talked with was very rude with the questions I was asking him and he hung the phone up on me.
Consumer complaint received 2024-04-24
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. (LA)

I'm feeling XXXX XXXX XXXX XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Upon trying to get XXXX wireless cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over XXXX XXXXXXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also a account for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that i did not authorize.
Consumer complaint received 2023-10-14
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. (TX)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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)

I am writing to formally request the removal of the charge-off reported on my credit file associated with account number : XXXX and account number : XXXX. This request is directed toward the charge-off recorded on XX/XX/XXXX and XX/XX/XXXX, as listed in my credit report. After reviewing my financial records and the circumstances that led to the reported status, I believe that the charge-off was reported in error due. To support my claim, I have included relevant screenshot. I kindly ask that you review my case and consider the removal of this charge-off from my credit records. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 

Account number : XXXX XXXX charged off XX/XX/XXXX Account number : XXXX XXXX charged off XX/XX/XXXX
Consumer complaint received 2023-04-27
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 appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

This is a formal complaint against BESTBUY/CBNA, a financial institution, and XXXX, a consumer reporting agency, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974, 5 USC 552a , as well as other relevant statutory and regulatory provisions. This complaint pertains to excessive, non-consensual inquiries into my account and inaccuracies in XXXX 's credit reports, particularly when compared to reports from XXXX and XXXX. 

The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), mandates that consumer reporting agencies, like XXXX, exercise their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. In this regard, the Privacy Act of 1974, 5 USC 552a, establishes safeguards for personal information held by federal agencies. BESTBUY/CBNA, as a financial institution, is obligated to respect the privacy of its customers and protect the security and confidentiality of nonpublic personal information, as articulated in 15 USC 6801 . 

However, my complaint revolves around the excessive, non-consensual inquiries made into my account. 15 USC 1681 section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' Neither BESTBUY/CBNA nor XXXX obtained my consent, let alone written consent, to furnish this information. Consequently, I formally revoke any and all consent, regardless of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and BESTBUY/CBNA. 

Furthermore, my complaint extends to the inaccuracies in XXXX 's credit reports. 15 USC 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title. '' XXXX 's credit report inaccuracies, particularly concerning inquiries, violate these procedures. 

Specifically, XXXX 's credit report contained inquiries that were not present in the reports from XXXX and XXXX, a clear violation of the accuracy requirements under FCRA. These inaccuracies cause undue harm and confusion to consumers like me. 

I request that the CFPB conducts a thorough investigation into this matter, emphasizing the excessive violations of privacy and the inaccuracies in XXXX 's reports. I further request that appropriate actions be taken to rectify these infringements, and that XXXX is held accountable for its failure to maintain reasonable procedures.
Consumer complaint received 2023-11-02
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. (DE)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 usc 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify account that isnt reporting correctly.

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