davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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: Marlette Funding, LLC (IL)

Best Egg has placed a account on my credit for {$8900.00} on XX/XX/2022. I have called and disputed with them asking them to show me a signed contract with my name, but they refused and stated they have no signed contract. I was told the money was placed in an unknown account that is current closed out ( I had to investigate ), but Best Egg refuses to help me. 

They have a very rude team, and never call back when they say they will.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by XXXX, XXXX and Experian. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act 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 2022-06-03
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. (NY)

In accordance with the Fair Crediting Act XXXX Account Name : XXXX XXXX BANK 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 2019-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I did a bank account to bank account transaction with moneygram to send money to XXXX for {$2000.00} on XX/XX/2019. Received the confirmation on XX/XX/XXXX that the transfer is sent and the amount will be deposited to the receivers account. On the XX/XX/XXXX got a call from my receiver that its not deposited in the account. I called Moneygram and the customer service agent informed me that they had an IT problem with this transaction and its not been processed and it will be updated in 24-48 hrs and the money will be available. Came to know on XX/XX/XXXX that my receiver haven't received the money yet. I called them again on XX/XX/XXXX and they informed that the IT department is still working on it and asked me to check back in 24-48 hrs. I asked them for a refund and they still told me to check back in 24-48 hrs. Called them on XX/XX/2019.. and they informed me that the refund will take 30 business days to process. 

This has caused me big inconvenience of my time calling them again and again and to my receiver who needed this money urgently. 

I request your prompt action on this matter to get my refund immediately and also compensated for the inconvenience caused.
Consumer complaint received 2022-06-04
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: Affirm Holdings, Inc (SC)

I paid off a loan with affirm XX/XX/2022. Affirm provided a loan verification letter which i submitted to the XXXX. XXXX did not update the credit file to reflect the loan was paid off and because of this, I was denied for my mortgage loan.
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act 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 2019-11-26
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Im the victim of identity theft and I dont recognize the account XXXX is reporting on my Chexsystems and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to Chexsystems and XXXX XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX Account # XXXX, XXXXXXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 2022-12-18
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account, under an open end consumer credit plan, as late for purpose.
Consumer complaint received 2022-12-18
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)

I recently disputed addresses, wrong phone numbers, different variations of my name and they still continue to keep incorrect information. There should only be one phone number, a po box , and one way my name should be ONLY my mother and I have the same name as I have expressed so it is very important to have this correct! Also was told for about 8 months that I had no address on file so I couldnt obtain a copy of my credit report even after calling every month and being told it would be fixed with in 24/48 hours, I couldnt obtain credit report on the XXXX app or on the website nor would they send me a copy! How am I suppose to make sure I have a fair and 100 % accurate account if I am unable to view tiny own information?
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX  Account # XXXX, U S DEPT OF ED/XXXX/XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Without my knowledge, XXXX XXXX created an entry that was sent to the CLUE ( Comprehensive Loss Underwriting Exchange ) operated by Lexus Nexus. The entry is dated XX/XX/XXXX. We did not know of the existence of this entry until XX/XX/XXXX. XXXX XXXX has raised our insurance premium for renewal by 108.4 %. By creating this entry that appears as a claim that paid out {$0.00}, the result is that competitive insurance carriers will not quote us for a new property insurance policy or want to place a surcharge on the premium they quote. We can not shop for competitive rates. 

My contact with XXXXexus Nexus by phone ( a recorded conversation that I asked to be preserved ) on XX/XX/XXXX resulted in a conversation in which I requested that this entry is disputed and should be removed. They replied that they will look into this and respond within 30 days, making my ability to shop for insurance highly limited. 

Since I was never notified of this adverse entry in the Lexus Nexus database by XXXX XXXX, which is equivalent to a negative credit report, I feel both companies should be financially punished by the Federal Government or whoever regulates their behavior regarding consumers since I had no opportunity to dispute the entry until present time. 

XXXX created a reference number for the disputed entry of : XXXX
Consumer complaint received 2022-06-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (ID)

XX/XX/2022 The Cash store calls me at XXXX MST - Missed call The Cash store calls me at XXXX XXXX - Spoke to XXXX where she gave me a courtesy call to remind me that the first payment of my installment loan was due on XXXX. I advised her I'd be in afternoon of XXXX to make the payment. 

XX/XX/2022 The Cash store calls me at XXXX XXXX - Spoke to XXXX where she again reminded me of payment and asking when I'd be in. I again advised her I'd be in later in the afternoon. 

The Cash store calls me at XXXX MST - Spoke to XXXX AGAIN, where she asked, again, when I'd be in to make the payment. I advised her after XXXX. 

I arrived around XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX and paid my installment loan where XXXX asked me, " So who's your new employer? '' I asked her what she was referring to and she responded that she had called my job and they advised her that I no longer worked there. I had been laid off on Wednesday XXXX. 

She called XXXX times over the course of a XXXX hour period where I had actually spoken to her on the 2nd call. I asked her about this and she insisted that they were all courtesy calls ; which of course, after the 1st contact, is no longer a courtesy and is harrassment.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (HI)

To whom t may concern, XXXX XXXX XXXX Account # XXXX, has not yet deleted this account from my credit report as promised. Please see attachment. 

Please investigate and delete. Thanks in advance! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

To whom t may concern, XXXX XXXX XXXX  Account # XXXX, has not yet deleted this account from my credit report as promised. Please see attachment. 

Please investigate and delete. Thanks in advance! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-19
Product: Credit card or prepaid 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: SUNTRUST BANKS, INC. (FL)

I started a bill error complained on XXXX for an charge from XXXX XXXX XXXX, which Suntrust Bank dont want to Investigate because the 60 day Rule has pass ( copy attached of the latter ) is my Understanding that by Law ( CFPB ) is two years. 
Please investigate Thank you XXXX XXXX SunTrust Bank XXXX. XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX : Credit Card Number ending : XXXX Case Number : XXXX Dear XXXX XXXX XXXX : Thank you for your inquiry on your SunTrust card account. 
SunTrust has received notification regarding your billing error dispute with XXXX XXXX XXXX. Per the cardholder agreement SunTrust must be notified within sixty ( 60 ) days from the statement/billing date on which the error first appeared. We did not receive your billing error notification within this time period ; as a result your dispute case has been closed. 
Should you have any questions or require additional information, please contact our office at XXXX. 
Sincerely, Fraud Assistance Center XXXX ( XXXX )
Consumer complaint received 2020-02-20
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. (UT)

XXXX XXXX XXXX  # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2020-02-19
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. (NC)

XXXX  and TransUnion are showing my XXXX XXXX XXXX XXXX account # XXXX account to be 30 days late on a payment. The account had never been 30 days late and always in good standing up until it was paid in full in XX/XX/2020. I submitted a dispute they closed it in 2 days and did not correct it. And Trans union is showing the account was closed negatively and sold to a new creditor. Which is false.
Consumer complaint received 2020-02-20
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: Real Time Group, Inc. (UT)

Real Time Resolutions # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2022-06-03
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. (FL)

In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX lender XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX transunion 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 2022-06-03
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 XXXX  acct # XXXX, XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX equifax XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (NJ)

Good morning, I used PNC bank atm @ XXXX XX/XX/2022 to deposit {$500.00} cash onto my XXXX account. I received a receipt with the amount of funds that was deposited along with my account/card number. I checked my online XXXX account to secure my deposit, there was no money transfer. I waited to give the transfer some time to load nothing showed. 

I spoke with the bank teller, they told me dispute the transaction with XXXX, its nothing we can do on our end due to the transaction was made on a outside ATM. 

I called XXXX, they also stated there is no money deposit heading to your account, you will have to make a dispute with the bank that you deposit the money with, we can not help you.
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-05-30
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. (LA)

I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law XXXX XXXX XXXX XXXX XXXX XXXX then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX one account is paid and closed yet reporting negative and one is my current loan that is upto date XXXX XXXX  XXXX  ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and XXXX wont release my report
Consumer complaint received 2022-04-15
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. (SC)

XX/XX/2022, XXXX XXXX - CARES Act places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from XXXX XXXX do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Again I am asking for the following items to be removed and deleted from my file they are due to identify theft I never had any account with this company Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Please remove all these fraud accounts please. I never had a auto loan with XXXX when I reach out to them they said it was a business account and can't give me any info I never had a business please removed