davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 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 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 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 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 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 2021-12-17
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: EQUIFAX, INC. (MD)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. Ive attached all the inquires I the Identity Theft Report Affidavit attached to this complaint. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Consumer complaint received 2022-12-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One keeps asking me for information. I have already furnished that information many times. Its just a way for them to blame me when they close the case. They closed my last complaint with the attached letter. How can they be compelled to actually address the dispute?? 

Recently, someone named XXXX at telephone XXXX ext XXXX called me. In her message, she mispronounced my name badly, twice. She asked me to call her back, which I did. I included the dates and times that would be convenient for me to have XXXX call me back. But Im still waiting for that phone call. She never called me back. Instead, Capital One posted the attached letter, completely abdicating their own responsibility to resolve my dispute.
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (NY)

Between XX/XX/XXXX and XX/XX/XXXX, I borrowed {$3000.00} from Net Credit. Since that time, I have paid over {$3400.00} and still have a balance of {$2600.00} showing on my account. This is because they are charging me " Statement Balance Fees '' each month that were not advertised when I took out this loan. Over the time that I have been repaying this loan, I have been charged {$3000.00} in these monthly fees which has resulted in me paying no principal despite paying back {$3400.00} over this time. I believe this counts as usury lending. 

As well, Enova has debited my bank account on random days and for amounts that I can not predict. As such, I have accrued several XXXX dollars in insufficient funds fees from my bank -- I have no idea many times that these funds will be withdrawn or how the amount withdrawn is calculated. In fact, Enova has never given me a repayment schedule or advised on which days of the month these withdrawals happen. They can not ( or will not ) even set a specific amount to be debited each month and will debit on repeated days, thereby causing me to incur additional fees for insufficient fees. 

As well, Net Credit has repeatedly falsely reported to the consumer credit agencies that I am in default on my accounts -- in fact, they have not advised me of how my payments are applied ( to which months or principal/interest ). I believe that they are still holding open a payment that I missed over nine months previous ( because I had no idea of the debit schedule ) and have been applying subsequent payments to the subsequent balances, leaving this month 's payment as delinquent. This has severely impacted my credit in an unfair and deceptive manner -- payments made since the time of this issue should have been applied first to the arrears.
Consumer complaint received 2023-07-19
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
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. (NC)

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NJ)

Being sued by a debt collector. The information they sent me is way to much they say I owe. Its in the lawyers collection they are the third party. I did call them and the lawyer was just trying to over talk me and was rude. I know this debt was probably sold for hardy any money. I cant afford d what they want to get out of me. The original credit card did receive money from me. However, the information was sent to me was completely unclear. I asked for a debt valuation letter and it was the same thing from the summons. This is harassment and not true. Im tired of being the status quo. Everybody in America are having in rough. I dont even have enough money right now for a filing fee for my answer to the court.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In    XXXX  2016  I  went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

I am disputing the accuracy and validity of a collection account reported by Transworld Systems Inc on my credit report. I have compelling reasons to believe it is inaccurate and not linked to any debts or responsibilities on my part. Despite a thorough review of my credit report, I found this collection account, and I have no knowledge or records of any outstanding debt to the listed creditor. This discrepancy is troubling, with potential adverse effects on my financial standing and creditworthiness. I formally request Transworld Systems Inc to conduct a comprehensive investigation into the accuracy and validity of this collection account. I ask for the provision of documentation and evidence supporting the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any relevant information. I expect this matter to be handled with diligence and impartiality.
Consumer complaint received 2024-02-26
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. ()

This is my several 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 C XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (MD)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : URGENT Dispute and Removal Request - Erroneous Account and Missing Payment History Dear Equifax, I am writing to express my extreme frustration and concern regarding the inclusion of an erroneous account on my credit report ( XXXX XXXX  ) maintained by Equifax. The presence of this account, coupled with the significant omission of payment history dating back to 2015, not only fails to provide a true reflection of my credit report but also violates relevant sections of the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account and the necessary steps to rectify the missing payment history. 

I wish to highlight the following issues : 1. Erroneous Account : Equifax is reporting an account on my credit report that is completely inaccurate and misleading. This egregious error is tarnishing my credit history and causing significant harm to my financial standing. Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand the immediate removal of this erroneous account from my credit report. Failure to comply will result in legal action being taken against Equifax.

2. Missing Payment History : Equally concerning is the omission of payment history dating back to 2015. The absence of this vital information further distorts the accurate portrayal of my creditworthiness. Equifax is in violation of section 605A ( a ) of the FCRA, which requires accurate and complete reporting of payment history. I demand that Equifax promptly updates my credit report to include the missing payment history, ensuring a true reflection of my creditworthiness.

Given the severity of these issues, I demand that Equifax takes the following immediate actions : 1. Account Removal : Equifax must remove the erroneous account from my credit report within 15 days from the receipt of this letter. Failure to do so will be seen as a willful violation of the FCRA, subject to legal consequences.

2. Payment History Update : Equifax must diligently investigate and update my credit report to include the missing payment history from 2015 onwards. This information is critical in assessing my creditworthiness, and its omission is unacceptable.

I expect a written response within 10 days from the date of this letter, confirming the removal of the erroneous account and outlining the steps taken to rectify the missing payment history. Additionally, Equifax must provide an updated credit report that accurately reflects my credit history, in compliance with the FCRA.

Please be advised that I am prepared to take further legal action, including filing a complaint with the appropriate regulatory authorities, should Equifax fail to rectify these issues promptly. I trust that Equifax will prioritize this matter and take the necessary steps to resolve it in a timely and satisfactory manner. 

Sincerely, XXXX
Consumer complaint received 2022-12-12
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: Bread Financial Holdings, Inc. (OH)

XXXX credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries
Consumer complaint received 2023-07-19
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. (IL)

The credit bureau has old addresses on my account that I no longer live at they also incorrect information on my credit report.. They still have accounts on my credit report that's been there over 7 years and I've tried to dispute these items several times but it update as though these are new accounts.
Consumer complaint received 2023-02-27
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. (TX)

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

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # 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.

15 U. S. C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more then 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 2024-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: ALTERRA GROUP, LLC (LA)

I purchased my home in XXXX of 2023. I have made every payment to the account that I was directed to. XXXX bought my loan and are stating that I have not made a payment. The first time they stated this I called them and gave them the confirmation numbers and they said they would look into it. This was just maybe XXXX months after the purchase. The issue has yet to be resolved despite numerous calls. They are now charging me late fees and reporting to my credit. I have all the documentation needed to prove that all payments have been made and I have patiently waited for the issue to be resolved. I was told things like " this happens a lot '', " all I can do is forward the issue to the ... .office ''.
Consumer complaint received 2023-07-06
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. (SC)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MS)

In XXXX of XXXX, I setup a monthly transfer from our Marcus by Goldman Sachs savings account ( the one we have the problem with ) to a checking account of a family member. The transfers went through without issue XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I attempted to transfer {$1000.00} from the Marcus savings account to my usual checking account. My checking account institution then issued me a {$26.00} fee and said the {$1000.00} was not completed. That was the only indication I had that something was wrong with my savings account. Marcus sent no notifications. I contacted Marcus customer support via chat to see why it did not transfer and was told I needed to call the next day during business hours to resolve the issue. When I called, I was told that because we setup a transfer to an account we did not own, it violated some policy that we supposedly agreed to when creating the account years ago, and they completely froze the account. They were unable to provide us with the details of said policy. We insisted that we authorized the transfers, and that they were not fraudulent. Once we were told we needed to transfer the funds from the Marcus savings to our personal checking, and only then to our family 's checking account, we agreed we would do that in the future. After escalating the issue to a supervisor, we were told the only way to unfreeze the account was to have the funds ( at this point it was two separate {$1000.00} transfers ) transferred back to our Marcus account - no exceptions. It is unreasonable to ask our older family members who live off this money and don't understand how to electronically send the funds back ( if they were available ) to do this. We were told the fraud department placed the freeze on the account and that we were unable to communicate with them at all. We asked if we could put our name on the family member 's checking account, or their name on our Marcus savings account, or if we could close the Marcus account. None of those options were available as we are locked out. I explained that even if I wanted to send an advance of {$2000.00} to our family member in order to unfreeze the account, the rest of my liquid savings are locked in the Marcus savings account they won't let me access. It was only then that the supervisor said she would send a note to the fraud department. We were given no way ahead beyond call back in 5 business days to see if the fraud department has responded to the note. We were never given an option to review the verbiage she sent in the note to the fraud department.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (TX)

Iam trying to buy a home and this damage was put into my credit an inquiry for auto loan under 15 U.S.C 1681G it a law violation. This hard inquiry were without my authorization.