davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-12
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-12
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. (NJ)

PLEASE BE ADVISED THAT 15U.S.C. 1681 602 A ACCURACY AND FAIRNESS OF CREDIT REPORTING HAS BEEN VIOLATED BY XXXX XXXX XXXX AND XXXX EQUIFAX. ALL OF THE ABOVE IS REPORTING AN ACCOUNT # XXXX ON MY CONSUMER REPORT WITHOUT MY PERMISSION OR KNOWLEDGE OF DOING SO FROM THE START OF REPORTING FALSE TRADELINEXXXX XXXX  FAIL TO VERIFY THIS ACCOUNT WITH CORRECT MAILING ADDRESS AND INVOICES OF MONTHLY STATEMENTS AND ORIGINAL CONTRACT THAT I SIGNED WITH THEM FOR PURCHASE OF USED VECHILE AND PROOF OF VECHILE BEING REPOSSED FOR ADDRESS ASSOCIATEDCWITH THE REPORTED ADDRESS OF XXXX XXXX XXXX XXXX XXXX NJ XXXX. IT SHOULD BE NOTED THAT THIS PROPERTY WAS VACANT OR ABANDONEDAT THE ALLEGED TIME OF CONTRACT AND LATE PAYMENT OR REPOSSESSION. I DEMAND ALL INVOICES MAILED TO ME AND PROOF OF REPOSSESSION-TIME, DATE, AND LOCATION OF REPOSSESSION.
Consumer complaint received 2023-07-12
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. (GA)

There are XXXX accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXX, apartment lease with XXXX XXXX XXXX, and a loan that is now a charge off from a place called XXXX XXXX
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 2023-07-11
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. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-17
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. (NV)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have attempted to make a complaint and the information on the complaint was incorrect as well. I am wanting to correct the name on my report... which is someone else 's name and the reporting agency ( ies ) are attempting to put it on my social security number! 
This has been disputed since XX/XX/XXXX, and here we are in XX/XX/XXXX. 
I do not consent to using my private number with someone else 's name. 

I HAVE CALLED NUMEROUS TIMES AND NOW HAVE RECORDED CALLS AGAINST THESE COMPANIES THAT ARE ATTEMPTING TO ASSUME OWNERSHIP OF THE REPORT AND DO NOT WANT TO CHANGE IT. THE ONLY REPORTING COMPANY BY LAW IS THE CONSUMER FINANCIAL PROTECTION BUREAU AND NOT ANY OTHER BUREAU BY LAW ; SO I DON'T KNOW WHO THESE COMPANIES THINK THEY ARE?!!!
Consumer complaint received 2023-07-11
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)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-11
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-12
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (PA)

I contacted Ford XXXX department in XXXX following the loss of income. I could not pay my lease payment if {$230.00}. Instead, Ford XXXX gave me an extension which extended my loan by one month. They charged an extension fee of {$140.00}. I was told that I would be caught up next month. Turned out that I was not caught up. I was a couple months behind. I tried to get another extension as I never recovered from the first. I was almost 3 full payments behind when I found another job. I made a partial payment to show I was trying to make a payment. About less than a month later, they repossessed my car without notice.
Consumer complaint received 2023-07-11
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 : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX has violated my rights., 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 2023-07-11
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. (MN)

There is an account that is not mine and it is reporting inaccurate information. I have disputed this and it still remains. I don't know how this is possible but the information is changed instead of removed. Attached I have a copy of an example of the inaccurate information. XXXX XXXX is reporting that I opened this account in XXXX XXXX, XXXX. I have previous reports where they claim something else as well as their report states I had a late payment in XX/XX/XXXX. XXXX years before the alleged account was opened.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (SC)

XX/XX/year> I phoned Discover card to request a credit balance I had on my account in the amount of {$140.00} be transferred to my bank account. I had no pending charges and didn't want this credit balance left in the account. Discover provides no option online to make this request or via their phone prompts. The agent didn't seem to be knowledgeable on how to proceed with my request and I was put on hold numerous times, with the call lasting just under XXXX minutes for a simple request. I was given the option of an ach transfer or check mailed. I selected ach. I receive the funds in my bank account on XX/XX/XXXX and was pleased. On XX/XX/XXXX I received my Discover Card statement and was very upset to notice a balance DUE of {$140.00} and seeing Discover specify this amount as an ACH credit funds reversal! I immediately phoned the company. The rep investigated it and stated Discover had issued me BOTH a check and ACH transfer for my credit request! So they applied the mistake which was entirely their fault back to my credit balance. This despite the fact I hadn't received nor cashed any check from Discover. Discover could have waited until they saw I received both the ACH and a check before attempting to reclaim any potential overpayment, instead they immediately applied {$140.00} charge to my account, funds which I DO NOT owe them! The agent on XX/XX/XXXX told me she would implement a stop payment and the mistaken amount due would be removed from my account in XXXX to XXXX days. I called Discover again XX/XX/XXXX to inquire as to confirm the stop payment was processed, was connected with a supervisor and told Discover has yet to implement the Stop Payment and the charge won't be reversed until they do. This despite XXXX stop payments requests had already been made, Discover continued to drag their feet holding my account hostage with the fraudulent charge the placed on it. As of this date, XX/XX/year>, the amount remains charged to my account. There is absolutely NO reason why Discover should think they have a right to charge me for their mistake. I DO NOT have an extra {$140.00} from them and do not owe them that amount. A company as large as Discover should have blocks in place which prevent the issuance of both an ach transfer and check issued for a credit balance. It's not the customers fault they don't and they have no right to expect me to pay them money back that I don't owe! Furthermore, when a customer calls and points this out to them they should take immediate action to rectify the situation instead of forcing a customer to jump hoops to correct this situation. Discover is attempting to defraud me, a customer of XXXX years who has always paid on time! Their actions are egregious and outrageous.
Consumer complaint received 2023-07-11
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. (MD)

To Whom It May Concern : PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX XXXX  ( TOTAL VISA CREDIT CARD ACCOUNT ) to current. The last time this account was reporting according to Equifax records was XX/XX/2023 in the month of XXXX. As I am writing this today, today 's date is XX/XX/2023. It has been over 3 month 's since this account XXXX XXXX XXXX XXXX  account : XXXX has been reported. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Equifax have failed to update my report to current. I have spoke with XXXX XXXX XXXX XXXX and they said they have been reporting since XXXX all the way to the month of XXXX, but when I check my credit report, the last report date is XXXX. Please correct this error. This is Defamation of Character and if you do not update my credit report with TXXXX XXXX XXXX XXXX account : XXXX I will sue you in court for Defamation of character. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT! 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The Name on the report has been notified as incorrect and Experian as well as, XXXX has continued to place the incorrect name by excluding the Suffix and/or entirely place the incorrect or a fraudulent name on my report. 

I have recorded calls as proof and am willing to take it to court and/or the hire level when necessary. 
I have called them over and over again to wit, has led me to start recording these calls after encountering a rude representative that wanted to tell me the incorrect information ( s ) is " Correct '' ... when i notified her the info is not correct she/he went on to continue asking me what on my report is not correct ....? I had to enforce them confess, Who's report is it .... Mine or theirs... They then hung up after I made them confess it is my report and not their report.
Consumer complaint received 2023-04-17
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. (IN)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 2288984 Ontario Inc. (FL)

This is to put XXXX Moneykey on notice that it is putting inaccurate, incomplete, and unverifiable information in my credit report. XXXX Moneykey is knowingly placing inaccurate and incomplete information in my credit reporting despite being notified. XXXX Moneykey is placing an alleged charged off account in my XXXX XXXX credit report claiming that I owe a balance of {$1000.00}. That is false and misleading, to say the least. That could not possibly be the case when XXXX Moneykey sold the alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is placing the same alleged debt in my credit report for {$1000.00}. Can I possibly owe the same {$1000.00} to both XXXX XXXX XXXX and XXXX Moneykey at the same time. The answer is " no ''. The answer is either I owed the same alleged {$1000.00} to XXXX XXXX XXXX XXXX or XXXX MoneyKey. Both companies placed the same alleged debt in my credit report for {$1000.00}. Therefore, the information is inaccurate and incomplete. As such, I demand to have the alleged charged off from both XXXX XXXX XXXX and XXXX MoneyKey for {$1000.00} be deleted from my XXXX XXXX XXXX report immediately. Failure on the part of XXXXMoneyKey, and XXXX XXXX XXXX XXXX XXXX credit reporting Agency is a violation of the FCRA.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (GA)

No action taken by PayPal. I requested that my account be locked down and accounts removed and they did not resulting in {$7500.00} more dollars to be debited out of my account after I spoke with them and they promised to lock down my account. They have allowed $ XXXX to he debited out of my account in 4 days of which they have done nothing about. They also closed a ticket I opened telling me the transactions were not fraudulent.