davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

My vehicle was repossessed and I tried to contact my lender on numerous occasions regarding the procedures and policies to follow ; to no avail. The company never responded to my inquiries nor returned my messages.
Consumer complaint received 2023-06-14
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from 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
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Three fraudulent inquires are reporting to my Equifax credit report. I've repeatedly reached out to Equifax about this and they continue to report this false information. 

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 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have a public record Tax Lien that 's showing on my Equifax Credit report only,  XXXX  And   XXXX   investigated and deleted the Tax Lien already.I have disputed the account numerous times and they keep saying they verified it. I have called and talk to someone about it and everything. I continue to tell them that it 's inaccurate I even called the state of Maryland record of deeds which they list as the provider of the account and they said they have n't provided equifax with anything
Consumer complaint received 2017-05-19
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. (CA)

There are wrong information in my report : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "   XXXX   XXXX   XXXX   XXXX   Account #  XXXX  ''
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I filed a petition in XXXX XXXX Florida for Florida Name Change. The Judge granted the name change and I followed the steps to update my Social Security Card and my Florida Drivers License. I spent time faxing and mailing the documents to all three major Credit Bureaus, Experian, XXXX XXXX, amd XXXX. I also contacted my creditors including my Bank, Credit Card Companies, Utilities, Hospital wth my documents pertaining to my Florida Name Change. Everything was good. 

XXXX XXXX pandemic I pulled my Credit Report and Experian was the only company that did not change my name. I gathered all of the documents and mailed them to XXXX Texas again. I have tried a dozen phone numbers since XXXX to speak to a live agent with no success until 4 days ago. Experian must have transferred me to 5 different agents in a period of 5 hours on the phone being placed on holds in 20 minute intervals. The first lady I spoked with cliamed that she found my documents and proceeded to transfer me over to XXXX online portal to change my name. After explaining this situation over and over I was told that I was speaking to the fraud department and would be transferred again. 

I was excited to see that this would be taken care of after almost 4 years. Then 5 days ago on Friday I recieved an email claiming that they needed more documents. I don't want to send more documents every other week that cost money and my time and my effort when I risk the company having no success at doing their job.This is important and they seem to not care. 

XXXX XXXX and XXXX began reporting my new name immediately. 

Monday I spoke to another agent about the email response and he wasn't very nice and asked me to upload the documents to Experian.com/upload. I have tried the last 3 days with no success. The Website does not except the required pdf or Tiff files. Its a constant error message that pushed me to spend a few hours resetting my Computer and using other browsers. Complete failure. 

I just want my new name changed on my credit report. I don't want to have to keep sending documents every other week. They were mailed to them twice. It has been almost 4 years. 

Please help?
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

To Whom It May Concern, On XX/XX/XXXX at XXXX, I had an unauthorized transfer of {$2000.00} taken out of my Chime checking account. I have since spoken to Chime customer service representatives six times to date. The third time in speaking on the phone I was told I would be receiving a full refund by Tuesday, XX/XX/XXXX. I then received an email at XXXX on XX/XX/XXXX saying my claim has been closed and no refund will be issued. Three disputes were filed by me, all of which Chime has claimed are closed and no fraud took place. I have the police report for the day my phone was stolen on XX/XX/XXXX, the unauthorized {$2000.00} transfer then followed on the morning of XX/XX/XXXX. This was a fraudulent transfer and Chime has not been helpful or urgent in refunding my money nor investigating my disputes. I would like a full refund and/or a provisional credit of the {$2000.00}. I have since then rebutted the claim 3 more separate times, submitting my robbery depo, police report, detective and officer on the scenes information and the District attorneys information and my claim was still declined
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This is my second complaint and whom ever responded was very impertinent. Again i need a copy of the 1099c which means the debt was cancelled according to IRS.

The company is still send inaccurate information to the credit bureaus and this is a violation under FCRA.

FYI : The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 1-52 ( 1 ).
Consumer complaint received 2023-08-16
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. (MI)

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

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-16
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: American First Finance, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (TX)

The principal on this debt was paid directly to original creditor  Speedy Cash. Balance represents interest and is three times the amount of t he loan.     It is illegal to report pay day loans to credit bureaus in Texas.      XXXX   XXXX  ignored by request to find out if they are licensed to collect in Texas.      XXXX   XXXX  said they have new information on me that confirms the debt, but did not provide me with that information.
Consumer complaint received 2023-08-16
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 (FL)

Capital one closed my credit card after I just made a {$650.00} deposit for the purposes of boosting my credit score. I have been having a few issues before hand with the with my wife and a girl I was dating taking my card and making unauthorized purchase. I corrected the problem on my end. And now I lost XXXX on credit I needed because of it. But capital one opened me a new credit credit card with a {$300.00} limit and double the interest
Consumer complaint received 2017-05-31
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. (MO)

Credit card error the card is reported as a closed account i have been disputing the status since  XXXX  and contacted the card co. As well as all  XXXX  credit bureaus and still can not get Equifax to correct the status of the account the account is  XXXX   XXXX    XXXX   an Open account and paid on time and its being reported as closed with no payment since  XXXX  please help
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (FL)

Good Evening, XXXX XX/XX/2023, I went to pay my car loan and realized that the XX/XX/2023 payment had not gone through. As soon as I realized this, I immediately made a double payment. A day later, I received an alert from my credit reporting agency indicating that my credit dropped by XXXX points because of a XXXX late payment. 

I wrote to American Honda Finance, informing them that I was not aware the payment for XX/XX/2023 had not gone through, I didn't receive any alerts informing me of this missed payment. There were no attempts to alert me of the situation. In addition, this is the first time I have had a late payment. 

On XX/XX/2023, I called to follow up on the status of my claim and I was informed that it was denied. The representative I spoke to indicated that they attempted to contact me the listed primary number of XXXX. This is an old work number. I no longer work at this company and so I never received any alerts. I was surprised that they listed my work number as a primary number instead of my personal cell phone number. So I had no knowledge of the late payment, nor was I sufficiently notified. I did not receive any communication by phone or email. All other companies follow up by phone and email, however American Honda Finance did not. 

As a result, I am requesting assistance with having the 30-day late payment removed from my credit report as I feel that American Honda Finance did not do their due diligence to notify me of this missed payment.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I've obtained a copy of my credit report, and after careful review, I have identified inaccuracies. I am out of any and all authorizations I have given written, unwritten, verbal and non verbal consent. I do not have a contract with YOU, your agents, or your company. YOU continuously report negative items and false and misleading information while attempting to collect alleged debt. YOU have an obligation to protect me as a Consumer. Instead, I am fighting identity theft, defamation, causing harm to me and my financial well being. YOU are also committing Mail Fraud. I have one name, one address, one phone number, and one email. 
I am requesting the following : Delegation of Authority What agency/agencies gave you my information without my consent? 
How was my information provided to you? 
Are you the trustee?
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-04
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: Experian Information Solutions Inc. (AL)

I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXXXXXX {$700.00}
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I carefully viewed my credit report thoroughly and asked the credit bureaus for a thorough investigation to make sure everything on it was complete and 100 % accurate according to 15 USC 1681i ( 5 ) I have waited 30 days + and received my investigation and notice everything was still the same. The consumer reporting agency which is Transunion did not modify or removed anything from my credit report. 

The dates open are not correct, dates last active are also incorrect, and dates of last payments are also incorrect. All in all, the information is inaccurate. 

Which is a violation. This is impacting me from moving forward in my life to buying a home for my family and providing them a great lifestyle I never had. 

I have attached some previous reports to show how Transunion has violated my rights.
Consumer complaint received 2023-05-21
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. (AZ)

To whom it may concern, there has been a colection added to my consumer report which I dont recognize. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Account : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 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 of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-06
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Venmo froze my account on XX/XX/2023. The email I got said a card was flagged that I just ordered the night before for my daughter. Which wasnt even processed yet. I finally get a hold of someone and they made me upload MY ID. They said it would take XXXX days to get it unfrozen. Well I have got no email like they promised. Its been 11 days now. I call today and the lady is now expanding the days. They still cant explain why they froze it in the first place. I am starting to feel they do this to steal the money. Either they take it and cant pay it back. Or make it so hard to get your account unfrozen that they just keep your money. I dont see why it takes XXXX  days to unfreeze an account and give an explanation on why they even did it in the first place.