davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (FL)

Sent Right of Rescission , Affidavit of Truth, Affidavit of Truth that All Accounts are Paid In Full, & Credit Card Prepaid on the XXXX of XXXX, on the XX/XX/XXXX it was delivered. Auto Loan current balance of {$18000.00}. XXXX XXXX XXXXXXXX current balance of {$2000.00}. I've been sent back how its still my obligation to pay this fictitious debt & Fraudulent loan constantly being harassed for a Bill, demand of payment that can't be made due to the fact there is no real money in circulation with which to pay. Although I stated I've accepted for value and returned for value to the sender extinguished due to the fact that the only money you have to extinguish a " debt '' with is your credit - the constitutional credit of the United States- your mutual offset credit exemption exchange.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently made sure that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CT)

Ocwen Loan servicing keeps incorrectly showing my account as being late. 
They recently transferred my account to PHH, in the process of switching account they reported that I was late in XXXX 2019. This is incorrect as I have paid my mortgage payment on XX/XX/XXXX for the XXXX payment. 
I tried to dispute this with XXXX, but they keep denying my request even with a copy of my payment history that clearly shows that I am not 30 days and did in fact pay my XX/XX/XXXX2019 payment, and my XXXX and XXXX 2019 payments.
Consumer complaint received 2023-02-05
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. (MO)

XX/XX/2023 XXXX, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX  days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed an error on my credit report several times with Equifax and they keep verifying the inaccurate information. In XXXX, I discovered an error on my Equifax report that related to an account with XXXX XXXX XXXX with the account number XXXX. The account became charged off in XXXX of XXXX and was later settled. However, my Equifax report shows the account was 180 days late in XX/XX/XXXX, then the payment data is missing for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, Equifax shows I became 30 days late again in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is 4 months after the account was ACTUALLY charged off. As such, I disputed with Equifax In XX/XX/XXXX and pointed out the inaccurate information. Equifax responded back on XX/XX/XXXX saying the creditor verified the information. I disputed the account again with Equifax on XX/XX/XXXX, and Equifax again replied that they verified the account as accurate. I even enclosed a letter from the original creditor with my dispute showing the information was wrong, but Equifax ignored that evidence and did what they wanted to do. Equifax could determine through their own independent investigation that this account is reporting with blatant inaccuracies and that it does not comply with Metro 2 reporting standards for accuracy. Instead, Equifax parroted the original creditor and left the errors on my credit report. Attached are my disputes to Equifax, their responses, and a letter from the original creditor admitting the information is inaccurate.
Consumer complaint received 2022-11-24
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$420.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$5800.00} XXXX  XXXX XXXX : {$2.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-11-24
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. (TX)

In accordance to 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. 

Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX. XXXX, XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows, or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc. (FL)

Credit Corp Solutions violated The Florida Consumer Collection Practice Act by failing to provide meaningful disclosure by not notifying me within 30 days of assignment to collect debt commenced as well as engaged in harassment communications, and threatening communications. In addition, Credit Corp Solutions & XXXX XXXX XXXX, P.A XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, XXXX XXXX Attorney for the Plaintiff XXXX XXXX XXXX, initiated a Small Claims lawsuit ; in The County Court and For XXXX XXXX FL, Case No. XXXX. by using " Sneaky and Deceitful Conduct, unscrupulous practices, overreaching, concealment, trickery and other unconscientious conduct which would be condemned by honest and reasonable people.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

For the past week, I have been trying to talk with someone at 5/3 to assist me in logging into their system to access my MB Financial account, which was closed a week prior to the merger, to obtain pdf copies of my checking account statements as well as my savings accounts. 

I have been on hold for over 80 mins between the 5 calls just to speak with someone ; plus an additional 15+ minutes while one clerk had to keep talking with a supervisor to figure out how their system worked. Every conversation, I go through verification and provide them with my phone number in case we get disconnected and without cause, I have been discounted 4 of 5 times ; the one time I was not I requested that the manager call me back instead of me wasting my time on hold while the clerk learned about their system. 

With all of my other closed accounts at numerous financial institutions from local banks to national banks to large brokerage houses, I am still able to access statements.
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX  # XXXX Amounts : {$6000.00} / {$3500.00} Date Opened : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2022-11-26
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

I have been using MoneyGram for years without a problem. Then recently I tried sending money to a friend in XXXX and MoneyGram wouldn't do the transfer. For some reason everyone at the desk including the manager in XXXX seemed secretive and finally the manager said there was nothing they could do about not being able to use MoneyGram. Then I tried to use XXXX XXXX and apparently both have me blocked for some unknown reason. I would like to get in on the lawsuit I just read about. Prior to this I didn't know anyone was having this problem besides me and I had no where to turn to until I saw the article about MoneyGram being sued and apparently this is not just my problem. If you get any where with this lawsuit include my name in it as well. Any new information about current or future lawsuits against this company would be something I'd like to have. You can send me anything regarding this to XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-11-13
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: Experian Information Solutions Inc. (CA)

Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!
Consumer complaint received 2022-11-13
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. (CA)

Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!
Consumer complaint received 2022-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/11, I was called by a scammer who acted as an immigration officer. He went through the law and said that I was gon na be detained If I don't send money for an immigration hold. I was afraid, and I sent the money through XXXX. I sent XXXX payments to XXXX ( XXXX ), {$1200.00} and {$790.00}. I was also asked to send {$2000.00} to XXXX ( XXXX ), although it was declined. The bank has told me to contact XXXX, and I have talked to XXXX, who've opened up an investigation which will take 45 days.
Consumer complaint received 2022-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-27
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. (PA)

XXXX ACCT # XXXX Amounts : {$1700.00} / {$3000.00} Date Opened : XX/XX/2015 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2023-01-05
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. (GA)

I am not disputing the accuracy with these companies but thet did not follow proper protocol. 

These listed Accounts are under violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  15 USC 1681 ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

I DID NOT GIVE PERMISSION for this to be reported and this is also under Violation of 15 USC 1681c ( A ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) ANY other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

This means ANY POTENTIALLY NEGATIVE ITEMS UNLESS I COMITTED A CRIME IN WHICH I DID NOT.

I WANT THIS ACCOUNT " REMOVED '' from my credit report
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (IL)

Hi, I am recently being overcharged from a finance Company by the name of Westlake Financial. 

I am done making XXXX of XXXX payments as stated From my XXXX documents and the app that I use to moniter my payments..I called numerou times and spoke to several agents and Supervisors and was not getting the run around. No one could tell me why I have to pay XXXX extra. From the last call the supervisor
Consumer complaint received 2018-10-10
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: JPMORGAN CHASE & CO. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CHASE CARD Closed : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires  such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXXf California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX