davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AmerAssist A/R Solutions, Inc. (PA)

Ameriassist debt collector has called me all through out the day and night. " XXXX '' has called my family members telling them I am in debt, and even called my boss and told them they were collecting my debt, thanks for the humiliation. This is a debt of the birth of my child, I was told my insurance was going to pay 100 % of it therefor I am trying to work with my health insurance and my hospital concerning this issue. The lady XXXX from ameriassist told me to pay her XXXX $ and she will leave me alone for XXXX month. Luckily I was pay day and I did have that money at the time even though money has been a struggle for me now as a single mother.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reached out to the independent agencies to make sure the reporting was accurate however it is not and even though I did this I have not been able to get this corrected. I have submitted letters to the agencies independently stating my case. I have recently sent this request to the court that I filed with to correct this as well.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc. (NC)

XXXX has triple charged me with interest within 5 days. There explanation for the finance charges being tripled is due to a deferment. I never requested these purchases to be placed on a deferred plan. I understand that I should have reviewed all pages of my statement each month. However ; XXXX failed to communicate that this was a deferred-plan upon my approval to purchase. Per the documents attached, you can identify the regular monthly finance charges and then a large finance charge of {$450.00}. I have closed the account and requested a credit of one of the finance charges, but they have refused to credit my account. This is a conspiracy and sneaky business on their part to rob individuals of their money.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX / XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2024 at XXXX XXXX, I gave XXXX {$65000.00} ( XXXX XXXX XXXX Dollars ), XXXX XXXX {$5000.00} ( XXXX XXXX for transfers fee ) from my checking account from TD Bank to the manager of the branch at XXXX XXXX XXXX, FL, to be sent to my checking account in XXXX in the amount of XXXX {$300000.00} ( XXXX XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX  Reais- ( Brazilian Currency ) ), to buy a vacation home in XXXX. This transaction was an International Wire Transfer.

I spent a week in XXXX trying to get the money to close on the property. After spent around XXXX {$10000.00} ( XXXX XXXX Dollars ) on travel expenses to and from XXXX, I came back to the United States to find out what happened to the money that I could not find anywhere. 

Today, XX/XX/2024, I still do not have the money and TD Bank does not explain where the money is or let me talk to a higher level employee that can solve the situation. They only sent a letter telling me that their investigation is closed and there is no error from their part. I still do not know where the money is and I am with the financial loss of XXXX {$65000.00} plus all the expenses I had because of this unacceptable way to deal with the client 's life savings. 

This XXXX came from my XXXX XXXX  and I paid IRS all the tax they told me to, for this earlier withdraw. I lost the property closing in XXXX and TD Bank just will not accept they did something wrong and are excluding themselves from any responsibility. 

XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first 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, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$430.00} XXXX  Inquired on XX/XX/XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} ''
Consumer complaint received 2024-04-11
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: CREDIT ACCEPTANCE CORPORATION (VA)

XXXX XXXX XXXX has reported that this is in the court -court name XXXX XXXXXXXX XXXX  Docket number XXXX month filed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  month filed XX/XX/XXXX Credit Acceptance Corp XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name XXXXXXXX XXXX XXXX  Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies
Consumer complaint received 2023-07-26
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It XXXX Concern : I received another copy of my credit report with the intention to trying to improve my credit and noticed their was not an complete update to my credit report on the previous reported claim with lender. I know the information associated with the account is not correct and needs to be updated or DELETE THE ACCOUNT. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. Again, since XX/XX/XXXX the account was supposed to be closed since the received mailed letter. In turn that means any charges after XX/XX/XXXX, the closing date of the account NOT ANY DATE AFTER XXXX, should be removed and/waived off the CLOSED ACCOUNT. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date.

Please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last XXXX : XXXX Closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. THE DATE IN XXXX WAS A LATE REPORTING FROM XXXX XXXX  NOT THE ACCURATELY REPORTING THE CLOSING DATE OF THE CLOSED ACCOUNT BACK I. XX/XX/XXXX. 

Remove any late payment dates AFTER XX/XX/XXXX LETTER STATED THEY CLOSED THE ACCOUNT ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account IN XXXX ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was CLOSED PER MAILED LETTER FROM LENDER ). 

Change the BALANCE and AMOUNT PASS DUE on the credit report from {$0.00}. ACCOUNT WAS CLOSED ON XX/XX/XXXX PER MAILED LETTER CUTTING A CHECK SHOWING ACCOUNT WAS FULLY PAID IN FULL ). 

In addition, the reported misinformation on my credit report as stated above as of XX/XX/XXXX is attached. Thank you for your assistance.
Consumer complaint received 2023-07-26
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. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct 3 credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX 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 2023-07-26
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX  account XXXX XXXX, XXXXXXXX XXXX account 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 2023-07-03
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. (NJ)

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Consumer complaint received 2024-02-06
Product: Credit reporting 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. (MI)

I have contact XXXX credit bureau and also did it online and they have not removed the inquiries that they have posted without my consent and when they are not mine and they hurting my chances for me to get a home because they reporting inquiries that are not mine. I need all this inquiries to be verified and removed inmidiatly of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This CFPB Complaint serves as a follow-up to my previous CFPB Complaint, requesting that the Credit Reporting Agencies investigate and remove the account that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to the Credit reporting Agencies to have this erroneous and damaging account removed from my Credit File. In that letter, I attached a copy of my personal identifying document to prove that it was I who submitted the request. I requested the Credit Bureau to thoroughly investigate the following account and have it removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX This account is clearly erroneous and misleading and must be removed from my Credit file, the sooner the better. I have attached the letter I sent on XX/XX/2023, for I fear that the letter I sent would not be received by the Credit Bureau. This complaint serves as my assurance for the Credit Bureau to receive the letter.
Consumer complaint received 2023-04-05
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. (NV)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Title 15 Chapter 41 Subchapter III : ( 15 USC 1681b ( 4 ) ) Permissible purpose. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
I look forward to your response.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.