davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (DE)

On XX/XX/2023 someone gained access to my XXXX XXXXPayFare account by scamming me with a fake customer service call. I have since tried on MULTIPLE occasions to speak with customer services to be reimbursed for the money that the scammer used as well as the charges charged by them for a replacement card. I have been assured on 3 seperate occasions someone would reach out to me within 24 hours and I have not been contacted once. I have had to reach out to them each time. To this day, XX/XX/2023 I am still receiving notifications that someone is attempting to charge my XXXX card for purchases that are not authorized by me. They will not deactivate the card or the account until it is investigated, so meanwhile I am forced to allow this scammer access to my account and money which also means I am unable to XXXX  for fear that any money I would earn they would immediately take from me. I can not just close the account because that would mean I have no history of the scam/money being taken. I have responded to multiple emails but am told that my case has been closed twice due to lack of communication, even though XXXX customer support are the ones not responding to me. I have been issued 3 different case/reference numbers. Every time I call I am told I just have to wait for the investigation to be completed and each person says they are escalating and putting it as urgent. I have been hung up on by customer service agents on 4 different occasions. On XX/XX/2023 I was charged {$5.00} for a replacement card fee that I did not initiate. On XX/XX/2023 the scammer redeemed {$8.00} of rewards on my XXXX debit card, as well as initiated a {$13.00} direct deposit. They linked my virtual card to their apply pay account. I was then told to report the card as stolen rather than customer service just deactivating the card. This automatically issued me another XXXX card, so I was charged another {$5.00} replacement fee. On XX/XX/2023, the scammer still had access, even though the representative said everything was taken care of, and in turn charged {$8.00} to XXXX. I called and told support that this person was still using my account and so was told I just had to wait. On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 the scammer attempted to make purchases. I am not comfortable knowing this person has access to any part of my account and no one at XXXX/PayFare seems to care. This person has my personal phone number and I do not feel safe and they will not do anything about it. I am missing out on money because I am unable to XXXX  without fear of having money stolen from me again. It should not take TWO WEEKS to investigate this issue.
Consumer complaint received 2022-11-29
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-31
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: EQUIFAX, INC. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX XXXX is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither Wells Fargo nor the consumer reporting agency XXXX XXXX have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. Wells Fargo failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Consumer complaint received 2023-06-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I spoke with a Teletrack XXXX over the phone and said they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over  three  months :   XX/XX/XXXX ,  XX/XX/XXXX and XX/XX/XXXX .      I have had a  XXXX   Visa card (  " loan account '' ) since   XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in   transition however, the banking accou nts ported over to the   XXXX    website  in  XX/XX/XXXX , bu t no t the Loan accou nts ; those would not phase-in unti  l  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure mes  sage to  XXXX  customer service about making m y Visa payment, the  response was to mail it, and I was provided an address. I sent a  Bill P ay payment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I rec eive a credit alert from  XXXX  that  XXXX  reported m y Visa account  as 30 days late. The effect of this reporting tanked my credit score.     When I calle d   XXXX   XXXX   custome r service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.
Consumer complaint received 2024-03-27
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. (OH)

I recently looked at my credit report and noticed I have XXXX late payments on an account that I was never late for. The account was on autopay. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account listed below with screen shots and dates. 

XXXX Account Name : XXXX XXXX XXXX XXXX Reported balance {$2500.00} Dates reported late XX/XX/XXXX and XX/XX/XXXX ( Due to a bank Issue ) Date of last payment XX/XX/XXXX Past due amount {$59.00} Account status Not more than XXXX payments were reported as past due incorrectly Date Reported XX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to be paid as agreed on time as they should be since I was never late. Thanks. Please see attached XXXX. Account Name : XXXX XXXX XXXX : XXXX Dates reported Late Incorrectly XX/XX/XXXX and XX/XX/XXXX Agent Mistake at XXXX
Consumer complaint received 2022-11-23
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-02-07
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. (MD)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

I've been in the process of educating and correcting my credit scores as required by the banks for my new LLC 's business line of credit and loans. Upon deeper investigation with Equifax, I've encountered XXXX unauthorized and/or fraudulent hard inquiries. 

They are : XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-02-07
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. (NY)

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 2023-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (VA)

I paid all my debts in full Experian has 3 late payments on my account not taken off I would like them too wipe my whole credit profile selling all my info on the dark web crossing me and my father info together its Inquirys from whoever stole my info tryna feel out for credit cards on my XXXX and XXXX I mailed letters and email for two years no reply may I please have my credit profiles wiped clean and info up dated my father and I profiles getting merged also
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing this complaint to address the persistent inaccuracies and misinformation regarding my XXXX XXXX XXXX XXXX account listed on my credit report. Despite previous disputes and correspondence, the inaccuracies persist, adversely affecting my credit profile. 

On XX/XX/year>, I initiated a dispute with TransUnion regarding the inaccuracies on my credit report ( CFPB case number : XXXX ). However, despite TransUnion 's email on XX/XX/year>, stating that the dispute was resolved, the inaccuracies remain unchanged, and additional misinformation was added to the account on XX/XX/year>. 

Furthermore, the previous CFPB case from XX/XX/year>, remains open, indicating that TransUnion is still working on resolving the issue. 

Despite TransUnion 's assertion of resolution on XX/XX/year>, I have not received my full file disclosure as requested, further impeding my ability to address these issues effectively. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that this matter is resolved promptly.
Consumer complaint received 2023-02-07
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. (MD)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RumbleOn Finance LLC (PA)

My vehicle was in an accident several months ago and declared a total loss. For the XXXX insurance to pay the amount owed to the lender, they require a payment history. When you log into the account, it states that no payments have been made. Daily calls to RumbleOn achieve promises that the history would be sent by email. It never comes. It is not in SPAM. Multiple email addresses have been given to RumbleOn, yet nothing ever comes showing the payment history. 

RumbleOn is reporting the debt as late with the credit bureau despite receiving notice that the vehicle is a total loss and will be paid by the insurance. It is RumbleOn causing the delay in receiving the payoff.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

The original creditor as listed on my credit is XXXX XXXX XXXX XXXX XXXX MAIN APTS the account was open in XXXX but its listed on XXXX as it being open on XX/XX/XXXX I did a 1 year lease. I moved out to another state and they have placed it on my account showing I owe XXXX  which is inaccurate and I have tried contacting them on numerous occasions in order to see how is that possible. It's still showing the account is open and it last reported on XX/XX/XXXX. It's listed as National Credit Systems on my credit report.
Consumer complaint received 2017-05-12
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. (CA)

I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over three months  :  XX/XX/XXXX  ,  XX/XX/XXXX  a nd  XX/XX/XXXX  .     I have had a  XXXX   Visa ca rd ( " loan account '' ) since   XX/XX/XXXX  that I  paid via my accounts page. My accounts page included my savings account and I would pay m y Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking ac counts ported over to the   XXXX    website i  n  XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure message   to  XXXX  customer service about making m y Visa paymen t, the response was to mail it, and I was provided an address. I sent  a Bill Pay payme nt from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     O n  XX/XX/XXXX ,  I receive a credit alert from  XXXX  that  XXXX  reported m y Visa ac count as 30 days late. The effect of this reporting tanked m y credit score.      When I called  XXXX  's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.