davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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: Experian Information Solutions Inc. (PA)

Prior to XXXX, XXXX I had a credit score of XXXX with Experian, my score fell XXXX points after I filed disputes in XXXX, when I checked my credit report I discovered that Experian re-calculated my score with old information that had been verified by the creditors as correct, there were no positive or negative new information added or subtracted. I filed disputes for six accounts each was previously closed showing charged off, in the body of the report a few of them also said " paid off or paid as agreed '' but the status was still showing charged off! One of the most egregious of these was one where they're showing an account with XXXX XXXX as 60 days late but that was for an account that was paid in full and closed in XX/XX/XXXX, It reflects on another open account I have with XXXX XXXX that's never been late since XXXX, XXXX! The way they calculate their scores are inherently wrong because when they inquire a creditor to update a dispute and the information doesn't change from what was originally on the report they should not recalculate the score as new information ... this is why my score dropped, due to my disputing closed accounts! A debtor has the right to inquire about the status of an account without being penalized twice for the same information only Experian does this! It is a form of double jeopardy. They claim that they are calculating the updated information but this should only be noted as recent activity not wholly, recalculated. If the information sought doesn't change from the creditor neither should my score be impacted due to my inquiry. Further, I was recently damaged by the sudden drop of my Experian Score from acceptable to not acceptable, I would've qualified for a refinanced loan for my car but they erroneously dropped my down causing me to be declined!
Consumer complaint received 2022-10-17
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. (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 XXXX XXXX, DEPT OF EDUCATION/XXXX,900000XXXXXXXXX DEPT OF EDUCATION/XXXX,900000XXXXXXXXX, DEPT OF EDUCATION/XXXX,900000XXXXXXXXX DEPT OF EDUCATION/XXXX,900000XXXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 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 2021-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC (OK)

I have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by CKS Financial, XXXX XXXX and XXXX XXXX is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and CKS Finance is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please look into this for me. thanks in advance.
Consumer complaint received 2023-06-16
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. (NJ)

Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On Transunion there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a XXXX on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( Transunion ) XXXX ( XXXX ) Derogatory ( XXXX ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.
Consumer complaint received 2018-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CASH AMERICA INTERNATIONAL, INC. (AR)

I applied for a personal loan online at Cash Advance America. I was contacted by a representative by the name of XXXX XXXX, employee number XXXX, from the number XXXX that stated that I qualified for {$1000.00}. He stated that my payments would be $ XXXX monthly with 5.19 interest. He asked my credit score and I told him, he then stated that because it was so low that I would need to increase to {$1000.00}, take {$50.00} and purchase a XXXX XXXX  or XXXX XXXX and give them the information from the card, keep the receipt and mail it in the next day after I have received the deposit into my account. After following his directions, I gave him the XXXX Play card information and he then tells me that I would need {$75.00} in my account to get the deposit to prove that I have a bank account in good standing. When I told him that I didn't have it, he stated that he would need to transfer the money to my account through a mobile bank as a trial, and that I would receive my money the next day after the trial money was withdrawn and sent back to them. I never received any money and they have my {$50.00} from the XXXX XXXX card. He also stated that his supervisors name was XXXX XXXX. When he realized that I caught on that it was a scam, he will no longer answer the phone. It just rings and goes to a busy signal.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer 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 accounts that i have included a screenshot insude the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

n accordance with the Fair Credit Reporting act Capital One Savor One Account # 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 They violated my right by collected on the fraudulent account. They turn around and sue me for the amount of XXXX they say it was not fraudulent I was work with new debt consolidation company they trun down they say that account was fraudulent then I can't duplicate becuse credit bureau block it because capital one doing. I feel like my right been violated.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon recently checking all my credit reports, I noticed a credit card from 2016 reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Unpaid balance reported as a loss by XXXX XXXX Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : 150 days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : $ XXXX Past Due : {$1300.00} Most Recent Payment : XXXX
Consumer complaint received 2020-12-24
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: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I asked why I was not able to view a my credit score from Experian like I could see with the other company 's I was inform it was because there was no activity on my account with in the last 6 months. and because of this it is stopping me from getting credit anywhere cause the creditors cant access a score from Experian because there no score they are blocking it. I not able to get credit. I have asked them to correct this issues, and Experian refused to fix this issues. which causes issues with me obtaining credit anywhere.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am reaching out to request an update of my personal information with Equifax, XXXX, and XXXX. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from my account.
Consumer complaint received 2022-11-23
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. (NC)

My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-21
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. (OH)

I am a co signer on a mortgage loan with my daughter for the account of XXXX XXXX and was never made aware of any payments being late or was not included in a repayment plan. I found out about this only by noticing a decrease in my credit score and upon further investigation seen this loan had 4 late payments reported. I contacted the company and verified that I personally had never been sent any notices to my address, email or contacted by telephone. All notices was sent to the loan address and all dealings was only completed by the borrower without my consent or awareness. I have asked the late payments be removed by this company and it has not been done.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is XXXX XXXX.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-21
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. (TX)

Creditors : XXXX  XXXX ad Deserve Violated Section 15 U.S Code 1681a.-Definitions : rules of construction- Exclusion-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as a transaction or experience between the consumer and the person making the report ; 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes I need for these late payments to be removed from my credit due to the violation of my consumer report
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These credit bureau are reporting this information incorrectly and fraudulently. I will attach supporting documents in hopes of finalizing this report to be removed immediately. This company was paid in full and requested an additional amount weeks after being paid the contract amount. Along with a data breach this company is involved in. Please remove from my report showing any late payments or derogatory remarks.
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

i wanted to pay XXXX debt i owe on a credit card for XXXX XXXX/walmart. my bank XXXX XXXX XXXX XXXX sent out a check for XXXX the check was made out to walmart cradit card capitol one. the check was sent on XX/XX/XXXX and capital one cashed this check on XX/XX/XXXX. check number XXXX. after they cashed the check the money did not go towards my account i was paying. infact the check should have went to XXXX XXXX/walmart not capital one walmart.i have tries many times to get this fixed with capital one. they say they have no record of cashing this check. and tell me to talk to my bank XXXX XXXX XXXX XXXX this has been ongoing for almost 2 years. recently on XX/XX/XXXX i did finanlly get this debt paid by talking to XXXX XXXX and they said they would settle for XXXX if i paid it right now. i did pay it out of my checking account at XXXX XXXX XXXX XXXX but i am still tring to recover the XXXX that was origanly was for that bill that was cashed by capital one and not by XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute an unauthorized inquiry listed on my credit report. I have no recollection of initiating any business or financial transaction with the listed creditors that would warrant an inquiry on my credit report. As such, I believe this inquiry to be unauthorized and inaccurate.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I sent money to my sister through MoneyGram to XXXX on XXXX XXXX,2021 and I got a message that she has received the money and she called me that she hasnt received it and MoneyGram isnt finding any solution to this matter and even time I call them they tell me to wait for 3-4 business days and its been 2 weeks now.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (GA)

The following accounts added to my credit report are as a result of identify theft fraud Accounts 1. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX On XX/XX/XXXX, I sent a letter to Experian via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) stating identity theft. 

As of XX/XX/XXXX, I have not received a response from Experian regarding this matter nor have they provided me proof to confirm this account actually belongs to me. Pursuant to section 609A1A of the Fair Credit Reporting Act, the reporting agency MUST provide any supporting documentation showing proof that the reported items actually belongs to me. 

Attached is a copy of the following : - Original identity theft report - Letter to Creditor sent on XXXX  - Certified Mail Tracking Confirmation ( received )
Consumer complaint received 2023-06-08
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed items be UPDATED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX