davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

I have had 2 frustrations on my credit report that seems to be the fault of the companies directly and not on my part, I have outlined below. I have tried contacting the 3 bureaus and the companies in question directly to no avail. 

SE TOYOTA FIN DBA OF WOFC : Missed payment XX/XX/XXXX. As instructed by the company the first payment was successfully made ( on record XX/XX/XXXX ), and hereby after auto-payment was setup ( Have email confirmation ) and supposed to commence XX/XX/XXXX. A failure in SE TOYOTA FIN auto payment system followed by a failure by them to notify me resulted in a missed payment which was reported on my credit. As soon as I became aware of their system failure ( I was i XXXX for 2 months for business ), I made the payment manually and had to again setup the automated payment. Their customer service reps admitted to me on the phone they had issues with their automated system. I asked them to report to the credit bureaus that the error was their fault, something they failed to do. 3 years later all payments are made on time and I have made a final payment to pay off the car in full so this account will be closed in XX/XX/XXXX. I expect this error on their part to be removed from my credit report immediately as it was initially their fault not mine. 

XXXX  XXXX XXXX : XX/XX/XXXX XXXX report a credit card balance ( not past due ) causing a 5-point decrease. This is later corrected, and a 5-point increase applied in XX/XX/XXXX. That aside XXXX  sent bad information ; a close analysis of my XXXX profile shows accounts with $ XXXX plus in them, access to $ XXXX in credit card financing and XXXX balances going back multiple years. I spoke with XXXX  and they told me the error with the bureaus. Neither the bank or bureaus will sort this out and it has happened 3 times in XXXX. 

XX/XX/XXXX XXXX  make a comment on my account. I can not access the comment in my credit profile and requested what the comment is, but they failed to respond. The comment they made dropped my credit score 6 points. I want an explanation how with XXXX balances ( actually I have positive balances on my 2 credit cards ) and all payments made a company can make a comment that I can not access or see, and it affects my ability to borrow future financing. It simply has to be illegal!
Consumer complaint received 2023-01-24
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. (LA)

I recently wrote to XXXX XXXX Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX Bank is seemingly willfully noncomplying. Furthermore, XXXX XXXX Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX Bank continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2020-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lenmo Inc (TX)

Lenmo unlawfully conducted an ACH payment out of my bank account without my permission. The ACH payment was conducted on XX/XX/2020 on my bank account, with the late payment added, which I was told initially I would be refunded. I have attempted to contact them several times via email. 

I have proof of email communication, on that communication, it does not state I authorized any payment with Lenmo. The email communication has been attached with this complaint.
Consumer complaint received 2023-01-24
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. (LA)

I recently wrote to XXXX XXXX Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX Bank is seemingly willfully noncomplying. Furthermore, XXXX XXXX Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX Bank continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-15
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. (VA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have been contacting these companies since XX/XX/XXXX!! I have not received not ONE letter or ANY updates on my credit report. There are duplicate accounts reporting along with inaccuracies across my entire credit report. I was lenient and sent them another letter and still NOTHING. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated please find attached. 

They need to be removed because at this point its been over 60 days since I sent them letters to investigate and nothing has happened and nothing was verified.
Consumer complaint received 2020-03-10
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. (UT)

XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2023-01-24
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 XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (TX)

From XXXX to XXXX Agreement with Ditech Mortgage Company to allow my mortgage payments to be put at the back end of my loan to avoid late payments. Since XX/XX/XXXX I have asked for a historical account of my payment history after discovering the mortgage company reported the agreement as late payments. Every month I received the same form letter stating they would resolve this but nothing has been done and it is now XX/XX/XXXX. 

Thank you.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (WA)

This is the follow-up complaint to the previous complaint I filed. Wise responded that they would refund XXXX from the balance. That's not the balance I had on my personal and company balance. After closing the account Wise representative sent me the final balance statements confirming there is a total of USD {$680.00} + AUD {$16000.00} + XXXX + XXXX across my personal and company multi-currency account. In addition to that, there were XXXX additional items in the statement named " manual adjustment by Wise '' for AUD {$1500.00} and AUD {$500.00}. This adjustment was never explained by Wise and is not confirmed to be legitimately applied. These statements were finalized as well as all transactions at the moment of my account closure. Attaching the statement from the Wise representative confirming that. Nevertheless, they refunded only XXXX. On my question where is the rest of the balance gone, they replied " It looks like reversals were processed for the senders of payments to your account ''. I never authorized such reversals and none of our clients applied for such. They evaded my question to provide any tangible proof that such reversals happened, when they happened, for what transactions they happened and most importantly - who authorized such reversals as I never authorized any. Since the closure of my account in XX/XX/year> Wise never reached me in regards to any reversals and never notified me if there are any. I'm attaching the screenshots of the communication containing the statements mentioned. All this seems like a fraud operation and Wise just stealing the clients ' money. There are many evidence of such that I found on XXXX and XXXX. I talked to victims of the same situation. The process is exactly the same. We are discussing filing a collective legal suit against Wise for running such a fraudulent operation.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to formally dispute a charge of XXXX  to my XXXX XXXX credit card account on XXXX XX/XX/2023. The charge was never authorized, was made while the card was not in my possession and is 100 % fraudulent. 
While vacationing in XXXX, on Wed XX/XX/2023 at approximately XXXX, I visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to purchase gasoline. I asked the outside attendant if credit card would be accepted for the purchase, and he confirmed it would be. I had the attendant fill my tank with gasoline and the total cost was approximately XXXX XXXX pesos ( approximately XXXX ). I handed my credit card to the attendant to pay, and he claimed my credit card was declined. I had him try XXXX different cards and he said none would work. He then detained XXXX of my credit cards while I searched my car for cash to pay for the gas. After a few minutes of searching, I was able to find enough money to pay in cash. I asked for my credit card back and received it and departed. 
After leaving XXXX and getting back to the United States, on Sunday XX/XX/XXXX I was reviewing my credit card transactions and found a charge for XXXX  ( approximately MXN XXXX pesos ) that initiated at the exact time I was at this gas station and while the attendant held my card. Ive concluded that while I was searching in my car, the attendant fraudulently scanned my card on another card machine in this XXXX XXXX pesos amount. This charge shows up on my credit card statement as being for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
After discovering the fraud upon my return to the United States, I have submitted police report # XXXX via XXXX XXXX to XXXX police. I have submitted police report # XXXX to XXXX XXXX police department. I have also submitted report # XXXX to the FTC. 

I have submitted this complaint to the Capital One fraud department and the case was immediately closed without resolution. Case # XXXX I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been contacting these companies since XX/XX/XXXX!! I have not received not ONE letter or ANY updates on my credit report. There are duplicate accounts reporting along with inaccuracies across my entire credit report. I was lenient and sent them another letter and still NOTHING. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated please find attached. 

They need to be removed because at this point its been over 60 days since I sent them letters to investigate and nothing has happened and nothing was verified.
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

The creditor LVNV FUNDING LLC keeps contacting me after I asked them to send me a letter to verify the debt is mine. This was back in the last week of XXXX. 
The so called debt for XXXX is not accurate at all because my deposit was kept by the original credit card company of {$200.00} plus I made a payment last in XXXX so the debt is incorrect.
Consumer complaint received 2023-05-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-03-10
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 have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-05-15
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. (VA)

This account was charged off on the following date ( XX/XX/2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXX Account Number XXXX