davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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. (OH)

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Consumer complaint received 2023-06-06
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. (IL)

I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (FL)

Merchant agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of one ( 1 ) case of defective/damaged flooring material and three ( 3 ) cases of new, unopened flooring material. When I arrived to deliver the FOUR cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the three unopened material. I filed a dispute with Alliant Visa for the one ( 1 ) case of damaged material that was not refunded. I supplied Alliant representative with a full email chain wherein the merchant agreed to take back ALL FOUR cases of material and provide a credit therefor.

Alliant is a small fintech-type issuer and outsources their credit card operations to a company called " XXXX '' After providing all the information to XXXX and Alliant I received a provisional credit for the {$68.00}.

Subsequent thereto the provisional credit was REVERSED.

Upon seeing the reversal of the provisional credit I contacted AlliantXXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant " already '' agreed to provide a refund. 
When I explained to the XXXX representative that the merchant credit was only for three ( 3 ) not four ( 4 ) cases of material, the XXXX representative said that there was nothing he could do and became defensive and rude. I requested the documentation showing I received a full refund for all four cases. Request denied. 
I subsequently contacted an Alliant employee in Alliant 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. 
I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all four ( 4 ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. 
It also appears now that my online access to my account has been removed so I can not effectively monitor the account. However, I can see my account using the mobile app.
Consumer complaint received 2019-12-06
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. (KS)

I notified XXXX who confirmed to me that I only have three loans with them, not 4. But my credit report has 4 listed. I have loans for $ XXXX $ XXXX {$600.00}. The loan for {$2200.00} should not be on my credit report. I am trying to keep up a good credit rating and am angry that no one will get this corrected for me.
Consumer complaint received 2020-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

I was just sent a Request For Entry of Default and Judgment by the law firm representing a credit card company. The amount is {$2300.00}, and the date of " complaint or cross-complaint filed '' as XX/XX/XXXX. The date of this letter was XX/XX/XXXX. 

I previously wrote the company explaining to them that I was XXXX, on judgment-proof XXXX, and unable to pay this bill.
Consumer complaint received 2023-04-14
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. (MO)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

This debt has been paid off since 2017 yet the finance company still calls continuously even after I have repeatedly changed my number, they track me down and then continue to call and harass me for a debt that doesnt exist. I have remitted the receipt several times and they still call. It is total harassment and its purposeful. The same company lost a class action lawsuit against them and I was reimbursed and they still call claiming that I owe them money!
Consumer complaint received 2023-06-06
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. (VA)

I am writing you Informing you that XXXX, XXXX and equifax is reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy court of Virginia which is false i have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify validate any information concerning bankruptcies XXXX XXXX, equifax is falsely stating this information on credit report. 
I also did not give them any informationin nor permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a 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 with out my written instruction.
Consumer complaint received 2017-10-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (DC)

Hello, I have been requesting TD Autofinance to send a copy of my vehicle title to the XXXX XXXX so that I can register my car in XXXX XXXX and they have failed to do so. I have followed the instructions provided by the XXXX, including trying to send the request form by fax and by mail ( multiple times ). I have also spoken with representatives over the past several months to resolve this and TD Autofinance has still not sent the copy of the title to XXXX. I really need to register my car in XXXX and need to have this paperwork done. This has been on-going for several months.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KY)

I recently reviewed my credit report and found a discrepancy with the reporting of my student loan on my credit report. XXXX was showing that XXXX XXXX was reporting that I was 90 days past due on my student loan back in XXXX of XXXX, however I could not have been 90 days past due because I entered into deferment on XXXX XXXX XXXX due to me being on XXXX XXXX with the XXXX XXXX. I entered service on XXXX XXXX XXXX. I completed an online dispute through XXXX and the results came back on XXXX/XXXX/XXXX showing that I was responsible for the late payments. The reporting of me being late with my student loan payments has aided in me not being able to obtain a VA home mortgage loan. I feel like even though I am serving my country, it is not right for XXXX XXXX to report incorrect information that is stopping me from obtaining my American Dream. I would like it if XXXX XXXX ( now Navient ) would remove the 90 day late payment from all XXXX of my credit reports from XXXX. I would also like it if they would do this in a timely manner. According to the Fair Credit Report Act, the Credit Agencies are to ensure that they report the correct information, reporting that I was 90 days late in XXXX while in deferment since XXXX is not right and should be corrected.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian continues to report inaccurate account information on my report. I have sent them written notices multiple times since XX/XX/2022. Experian deleted the account then reinserted it less than a month later. This is defamation of my character.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to XXXX, XXXX, and Experian, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing.

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Consumer complaint received 2022-11-22
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. (NC)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX  XXXX of XXXX at XXXX I received a text message from my wife on XXXX asking me for a favor.She have a Bussines and sometimes ask me to send money to a costumers for products that she needs on her jobs.This time say about {$500.00} to send for XXXX XXXX XXXX ( XXXX ) XXXX.I send by XXXX.Then after asked me : What is your spend limit and I note that something is wrong and called my wife directly.She tell me that her XXXX  account was still from someone just minutes before.So this people moved very fast.I called at my bank and XXXX  claims, but they just respond in a letter that they cant do nothing to help me.So please .I need help about.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-22
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. (VA)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Scammed on USAA/XXXX Within the Banking Institution as a Third-Party App I have tried to dispute the transaction and reported a financial crime but the money was not returned. I was scammed out of {$900.00} when the recipient added an extra XXXX to the transaction ( {$1000.00} instead of {$100.00} ). They used my phone to add the email address and by the time I noticed it the next morning, it was too late and they stopped returning my calls and texts. 

" Weve completed our investigation and determined an error didnt occur for the following reason : XXXX XXXX XXXX XXXX has confirmed that the funds were sent and applied to the account that was registered to the email entered at the time of the transfer. The recipient received the credit on XX/XX/2023. The external bank has denied our request for a return. '' https : //www.consumerfinance.gov/about-us/newsroom/cfpb-report-identifies-issues-with-increased-servicemember-use-of-digital-payment-apps/ " If you send money to an email address or U.S. mobile number for someone other than your intended recipient and the wrong recipient isn't willing to send the money back to you, call us at XXXX ( XXXX ). There's no guarantee that we'll be able to get the money back if it has been sent to the wrong recipient due to member error, such as a keystroke error or typo. '' Problem : XXXX {$1000.00} Transaction ( {$900.00} Stolen )
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been scammed by someone pretending as a motorcycle seller on this website XXXX XXXX XXXXXXXX XXXXXXXX Providing phone number for customers to contact him via XXXX, I had contact him to buy XXXX motorcycle, he tell me that the complete price is XXXX $ then we have agreed to pay to him XXXX $ XXXX, than I got to bank to make the transaction XXXX $ wire transfer to him bank account The bank { Bank name : Bank of America ( Boa XXXX XXXX : XXXX XXXX Acct number XXXX Routine number : XXXX Wire ( Checking account ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX United States Amount : XXXX XXXX ( upfront deposit ) } the name is XXXX XXXX and he call me via XXXX that was man voice I have all XXXX  conversation with him ( his phone number XXXX ( XXXX ) XXXX ) I hope I hear from you soon as possible. 

Also I know that his bank is ( Bank Of American ), My Bank is ( XXXX XXXX  ) Also Im already got to both banks XXXX XXXX told me that they cant cancel the transaction more than XXXX minutes that already done, Bank of American that I cant report in the bank.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit act : Section : 15 U.S.C 1681 Section 602A States I have the right to Privacy 15 U.S.C 1681 Section 604A Section 2 Also states a Consumer Reporting Agengy can not furnish an account without instructions. 

These accounts have Violated my rights. based on the fair credit act sections. 

XXXX acct # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX Also I have uploaded documentation of the XXXX XXXX bankruptcy stated by experian that is was verified by XXXX XXXX. This Information was disputed by XXXX XXXX which they removed this from the account it was unverified. 

Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

Collection account on credit report. Original creditor XXXX XXXX XXXX. Outstanding collection amount of {$1000.00}. Collection company : Franklin Collection Service IncXXXX XXXX. I have called and disputed with Franklin. They said they would send me complaint form. I have received nothing. The outstanding XXXX XXXX XXXX debt is for a bill in XXXX, Florida. I live in XXXX XXXX, California. I have never been to XXXX, Fl. I do not know anyone who lives in XXXX, Fl. I have 0 friends or family in XXXX. I have always lived in XXXX XXXX, California. This happened to me with a different collections account in Florida exactly 1 year ago to the month. I disputed and it was erased. This time I am not being afforded the same courtesy. I have sent a complaint to the FTC. I have sent letters to the 3 credit bureaus. I am going to hire a lawyer. I am going to file a police report. I will not stop until this is resolved.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE LISTED ACCOUNTS HAS VIOLATED EACH OF MY RIGHTS. 

XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX INQUIRES XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 CONSENT 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 AN OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SVEN YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.