davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (CA)

I have a XXXX XXXX XXXXXXXX and I have been paying on it for over 4 years now. Recently, I feel Flagship Credit Acceptance has not only called me daily to pay, they have also added late fees and have said those will not be waived and now are threatening me repossess my vehicle with little to no regard on the overall worldwide financial situation that everyone is through. I have another car loan and they are the complete opposite, as they have lowered my payment for 6 months, and have wave all late fees. Flagship customer service does not care if you have financial hardship, they do not waive fees and they do not care if right now many american 's are trying to do what ever they can to stay afloat due to the overall economy. I have paid, but as soon as I pay them, because I am behind they have continued to violate my right by harassing me daily with phone calls and threats to repossess my vehicle.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TransferWise Ltd (GA)

Wise XXXX XXXX ( formerly known as XXXX ) gave my personal information without my written consent to a third party debt collector known as XXXX XXXX. 

According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX has email me 7 times and and texted me 6 times this month. They are not on my credit report. 

This has been exceedingly stressful on my person and I am seeking monetary compensation. 

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Consumer complaint received 2023-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was trying to purchase a home and I see that I have damages on my credit report according to the law 15 USC 1681 law there should not be any damages on my report this is a defamation to my character.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( a ) Accuracy and fairness of credit reporting These are a list of items that appear on my credit report that I need removed Charter communications Date XXXX XXXX Balance {$200.00} Number XXXX XXXX XXXX  Date XXXX XXXX Balance {$360.00} Number XXXXXXXX XXXX Date XXXX XXXX Balance {$470.00} Number XXXX XXXX  Date XXXX XXXX Balance {$600.00} Number XXXX Possible financial Date XXXX XXXX Balance {$45.00} Number XXXX XXXX XXXX  Date XXXX XXXX Balance {$360.00} Number XXXX XXXX  one Date XXXX XXXX Balance {$380.00} Number XXXX XXXX XXXX  Date XXXX XXXX Balance {$360.00} Number XXXX XXXX XXXX XXXX Date XXXX XXXX Balance {$5000.00} Number XXXX XXXX & XXXX Date XXXX XXXX Balance {$600.00} Number XXXX XXXX & XXXX Date XXXX XXXX Balance {$810.00} XXXX XXXX XXXX & XXXX Date XXXX XXXX Balance {$600.00} XXXX XXXX
Consumer complaint received 2022-10-26
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Recovery Services, Inc. (IL)

I have this account from southwest recovery service XXXX  ..this account belong to XXXX at XXXX XXXX this account was a fraudulent account and I has supporting documents to show XXXX has remove this account from my file i have never live XXXX XXXX I ask that southwest remove this account as well thank you
Consumer complaint received 2022-10-26
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Equifax are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the account right away. 

XXXX  XXXX XXXX
Consumer complaint received 2018-06-10
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. (GA)

Equifax has continuously violated my Fair Credit Reporting rights by not reporting accurate information on my credit reports. I filed a notice on XX/XX/XXXX. I requested that Equifax investigate and send copies of my files that they have concerning this account. 

Equifax responded that they researched the account but did not investigate my claims as the law demands 15 U.S.C 1681. I have requested over 10 investigations concerning this account and Equifax does not investigate the file but they delete payment history information or they delete information from the file or employees at Equifax will leave it empty. This is not right. 

I have enclosed a copy of the most recent letter I received from Equifax. You clearly see they have erased the payments history and it is not in order, the information is not complete, its missing information, and the dates don't add up. I have continued to complain that the last payment date was XX/XX/XXXX and they erased all the payments. 

I would like Equifax to delete this account if they can not provide me a copy of all documents/ records related to this account according to FCRA 15 U.S.C 1681g. Equifax is damaging my ability to obtain credit because of the false information they are placing on my report from their offices.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/XXXX I filed a complaint with CFPB stating this " ACCOUNT NAME FAIR COLLECTIONS & OUT Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above '' Not only did they furnish my credit report without MY consent but responding to me with no resolve constitutes as identity theft. They have addressed me as a " SHE, HER '' Ive given them the chance to resolve this discrepancy in good faith. Now i must seek legal action to remedy this. Im requesting the individual who responded to this complaint and position with the company. Also you will need to provide me the wet ink signature of me giving permission/consent to furnish my file with the credit bureaus
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went into a branch for assistance with two wire transfer on XX/XX/24, was told no one was available to help. But that they could walk me through it on my phone via the app. Its been over a week and the first wire sent for {$63000.00} has never been received. The bank tells me its an issue with the info provided but for security can't tell me what it is? BOA requested the money back and has not received it. Every time I call customer service I'm told something different. Yesterday, on XX/XX/24 after asking to speak with a Supervisor, I was told they requested the correct account number be sent. That XXXX submitted an amendment. Today, XX/XX/24, I'm told the amendment was declined by the other bank. But no one can provide proof for me to send to the seller who is ready to cancel the deal due to the funds not arriving. I've spoken to a bunch of departments and no one can provide documentation to send to the seller. As I type this, I've been on hold for over an hour. This is my 5th call into the bank. I've tried contacting XXXX XXXX who reached out about my last complaint and his extension number does not work ( XXXX Ext. XXXX ).
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX. The lack of oxygen caused slight XXXX XXXX  and XXXX XXXX. Thus, I am unable to use the phone. I reached out to my credit card company, Capital One requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

After falling in the lake, I was in a XXXX XXXX XXXX  for XXXX weeks. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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: OPORTUN FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MI)

Dicoverbank is violation of Fair Credit Reporting Act by reporting negative inaccurate information. This is not my account. on my credit report opening date of this account is XX/XX/2021. And the stated account # is XXXX. This inaccurate information needs to validated.
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA ACCOUNT # XXXX This charge off account does not belong to me. I have requested on numerous occasions to investigate this matter and Bank of America has not been able to properly process my request. 

The inaccurate information on my credit file by Bank of America has affected my ability to obtain credit and to have the correct information reported by law under the FCRA. Since the information can not be verified, I request that it is removed from my credit report immediately.
Consumer complaint received 2022-10-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (VA)

This complaint is regarding EdFinancial in regards to the Cares Act student payment refund made on all federal student loan payments from XX/XX/XXXX. I had to call two times because the first operator was unable to locate my payment history. My federal student loan provider use to be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, but then my account was transferred over to EdFinancial. I have all the confirmation numbers and receipts for all my payments, but it took the second operator a while to find my payment history. I requested a refund for all of my student loan payments on XX/XX/XXXX at XXXX XXXX. No confirmation of request for the {$5400.00} amount was sent to me. EdFinancial is giving ranges of 150 business days to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. EdFinancial was fined for misleading consumers and they had a data breach too. I have called two times afterwards to check the status of my refund and they have no information to provide. They keep saying it will take up to 150 business days and each operator says something different. EdFinancial is so disorganized and not providing any status update on the refund request. It has been six weeks already since I made the original request and I still have heard nothing from them.
Consumer complaint received 2023-05-22
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. (MI)

I mailed certified letters in XXXX and in XXXX of 2023 to all 3 credit bureaus to update or remove inaccurate information off my credit report. The creditors just verified the accounts. Law requires that they report accurate information on my credit report. The information is not accurate at all. They are reporting different information on different credit bureaus, and not updating or deleting the inaccurate information. It is so frustrating how they can just say the account is verified and not fix the errors all on my credit report. I feel like the credit bureaus are teamed with the creditors on my account and just hoping that I will go away and forget about the errors. I was told that I can come to you ( CFPB ) to get the credit bureaus to do what is right in this situation.
Consumer complaint received 2023-11-06
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. (NC)

Regardless of multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information, as willful negligence and non-compliance with federal statues. Please remove the following inquiries completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, I have mailed letters to TransUnion. In regards to XXXX XXXX XXXX dispute investigation. The company as a courtesy granted the removal of the delinquency previously reported. On XX/XX/2023 and TransUnion has yet to update my credit report to reflect said updated correct information. 

I ask that someone please help get delinquency updated with my TransUnion credit report. 

I have attached Proof from XXXX XXXX XXXX. Stating the previously reported information. Along with the date and time the changed took place. According to XXXX XXXXXXXX XXXX, they sent direct letters to all XXXX Credit Bureaus. TransUnion never updated the correct information in over 30 days.
Consumer complaint received 2023-11-06
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)

The inquiries listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These inquiries were not authorized by me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX