davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I took out a loan from this company in 2023. I had previously done business with them and paid all previous loans on time as agreed. Shortly after taking out this particular loan, my bank account information tied to my automatic ACH/debit payments was compromised, so I notified Possible to postpone the scheduled payments until I could get a new bank account and debit card issued to connect to my account to make payments. I was offered the option of paying by money order, which I did not want to do. On XX/XX/2023 I received an email regarding my payment status, which clearly stated that I could use the XXXX XXXX website to submit my remaining payments. It took a few weeks to get my new account information, and on XX/XX/2023 I received an email stating that my account needed to be paid in full by XX/XX/XXXX in order to avoid charge off. Again, it referred me to their online services department to remit payment, which I did. I logged in and paid off my loan in full on XX/XX/2023. I did everything on my end, but this company failed to process my payments for over 10 days, which put it past the XX/XX/XXXX deadline for the chargeoff. I called and emailed multiple times prior to XX/XX/XXXX to see why they had not processed my payment and closed the loan on the XXXX and I was told that they wanted me to pay by money orderdespite having sent multiple emails advising me to pay online via debit card. This has resulted in a derogatory mark on my credit and I am in the middle of trying to buy a house for my family. I have all of the documents to back up my claim that the loan was paid on the XXXX, and then they CANCELLED my payments over a week later in order to charge it off. I want this removed from my report immediately to reflect the account being paid as agreed and NOT CHARGED OFF
Consumer complaint received 2023-02-03
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. (CA)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. Address proof sent. 
Please delete these items. Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX BANK ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * XXXX XXXX XXXXdismissed, wrongfully filed under my social XXXX report and ID and address verification attached*** ADDRESS ATTACHED AND FTC AND ID AND SOCIAL
Consumer complaint received 2023-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting the deletion and removal of the following accounts and information from my consumer report. The accounts and details listed below should not be reported on my consumer report, as it directly violates the FDCPA and FCRA. It is imperative that these accounts and information are promptly deleted and removed from my consumer report to comply with several laws. I expect immediate action to remove these accounts and information.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called  XXXX ,  XXXX , and Experian to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. Th e officer  called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.
Consumer complaint received 2021-01-12
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. (FL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXXXX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX,XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2023-07-05
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update ASAP.
Consumer complaint received 2023-02-03
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. (TX)

i pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE IT.
Consumer complaint received 2023-07-20
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Equifax is deliberately lowering my credit score for no reason except to keep me from obtaining credit products and I actually have proof I am trying to build my credit score and its actually going up until recently Equifax lowered my score XXXX  points one day next day they lowered it XXXX points as soon as my score reached XXXX boom they hit me with a total loss of XXXX points in total and for no reason all of my credit cards are paid on time never been late my utilization is 49 percent and going down but yet they absolutely refuse to let my credit score rise by deliberately lowering it without giving me a reason thats one huge complaint second yes I have a few old debt accounts but yet there past my states statue of limitations ohio recently passed a revised bill that makes accounts XXXX XXXX XXXX not collectible and 4 years on no contract binding accounts so I disputed them thinking Equifax would follow the law but no there not so I have 2 big complaints against Equifax
Consumer complaint received 2023-05-21
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: Continental Finance Company, LLC (MD)

In the middle to end of XXXX I had numerous of unwanted /unknown charges to my checking account. My bank took some time to refund me some of these charges but not all. So I set up a payment for my credit card on XX/XX/2023 XXXX and it was returned due to not having all the funds returned to me by my bank so I initiated the payment again for XXXX on XX/XX/2023 and the payment was returned again due to unknown charges to my checking. I resolved the issue with my bank and had the funds back in my account. So I Initiated the payment for the 3rd time on XX/XX/2023 and it went through and processed. I spoke to a representative with the XXXX XXXX XXXX company and she states she didn't see that payment on the account and that I needed to send them my bank statement to show a payment was made. So a week later I spoke to another representative she states she sees where the payment goes through. Of course I incurred late fees do to this debacle. So I proceed to check the app and after the payment was credited it says I had a payment do for the following month of XXXX and I made a payment of XXXX on XX/XX/2023. A few weeks later I received a ding on my credit report that I was marked 30 past due or missed payment with this XXXX  XXXX while I'm continously making payments. I'm making payments and still receiving late fees so i feel like I will never get to pay this card off because of unnecessary compounding fees. I've spoken to numbers of representatives and they state they can't help me because that was a system generated problem and that they will refer me to the back office to have them look at my statements but nothing has been done. Please help! I feel this is very unfair.
Consumer complaint received 2023-02-03
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. (TX)

On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep XXXX, gone into escalated levels of anxiety, developed elevations in my XXXX XXXX, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports 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
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listed, XXXX XXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-20
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they reported hard inquiries to my report with no consent or authorization from me I never gave anyone permission to share my information nor recieved any benefits from it this is a violation of my rights and hendering me from receiving future benefits
Consumer complaint received 2023-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (NV)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account AWA COLLECTIONS ( Account XXXX, Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Balance {$1500.00}. I have never had an account with none of these companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with AWA COLLECTIONS. I have attached my Identification and FTC report. On XX/XX/XXXX I sent out a letter to AWA COLLECTIONS stating the followingI am wrong to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding a purported overdue balance of {$1500.00} allegedly owed to XXXX XXXX XXXX. This account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from AWA COLLECTIONS for the violation of my rights under the FDCPA. 3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4.Reimbursement of any legal fees incurred in addressing this matter. 
( Please see attachments )
Consumer complaint received 2023-07-20
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. (OK)

This is my XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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  Account name : XXXX XXXX Date : XXXX XXXX. Account name : XXXX Date : XX/XX/XXXX 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 a account without my written instructions.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, Equifax, and Equifax. Consumer reporting agencies are non-affiliated third parties with which XXXX has shared my NPPI. XXXX, Equifax, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. My rights have also been violated in XXXX as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Florida Financial Management dba Lend A Dollar (TX)

I emailed Lend a Dollar ( XXXX Florida XXXX XXXX ) on XX/XX/year>, and XX/XX/year>, a revoke notice, and they refused to comply with my request. They sent through pre-authorized checks on XX/XX/XXXX and XX/XX/XXXX. I explained to them both times that I needed to close my bank account and establish a new account and I would contact them with new bank details, but they refused to abide by the revoke letter I sent them. Further, my bank ( XXXX XXXX  ) refused to stop payment on the check posting and told me I had to resolve it with the person debiting me.