davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts. See attached FTC / ID THEFT REPORT.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$290.00}.
Consumer complaint received 2022-05-28
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. (GA)

In accordance with the Federal credit report act ( XXXXXXXX XXXX XXXXXXXX XXXX ) account number # XXXX has violating 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 82 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (FL)

On XX/XX/24 I contacted First Digital and was informed by a representative that my account was closed on XX/XX/24 for the amount of {$430.00}. I agreed to a settlement of {$300.00} and paid {$150.00} at that time, the representative informed me I had 90 days to pay the settlement and a payment was required within 30days. On XX/XX/24 I called in and made a {$40.00} payment. On XX/XX/24 I called back in to pay the remaining balance and was informed that my settlement agreement was voided because I did not pay within 30 days. I informed the representative that I was not informed I had to make a payment every 30 days only that I had to make the first payment within 30 days which I did. I asked if I can reopen my settlement and pay off the balance. The representative stayed that the new settlement amount would be {$290.00}, I asked does that amount include the {$190.00} that I already paid and she stated that it does not. The representative stated that my current balance is {$390.00} which includes late charges and interest rates that are still being charged on a closed account. I then asked to speak with a supervisor who stated that the amount is accurate as they charge late fees on closed accounts. And that they can offer a settlement but on the current balance of {$390.00}. I informed the supervisor that I will not be paying the settlement amount and will be filing a complaint against the company.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (TX)

Consumer Financial Bureau XXXX XXXX vs. XXXX XXXX  XXXX XXXX XXXX XXXX Title Department XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX XXXX XXXX XXXX ) VIN # : XXXX To whom this may concern : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Due to not wanting a car note, I decided to borrow money from my 401k to make a cash purchase. Myself and my cousin went to the bank to cash the check and to make the transaction. When I arrived back to XXXX XXXX XXXX, I was asked by a female sales associate to follow her to another location XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX to finalize the sale. The female also stated, during our conversation that she was part owner of both locations. Myself and my cousin waited in the lobby for about 10 min before being called to the office finalize the sale.
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I paid XXXX cash and had a balance of XXXX which was set in installments of two payments. I made one payment but when I returned to make another payment, both locations were permanetly closed with no forwarding information. I then filed a complaint with the DMV who investigated my concern. The DMV shared with me that both auto shops were in current litigation and provided me with the phone number to XXXX XXXX. I contacted XXXX XXXX, XXXX  XXXX who then asked that I complete an affidavit and have it completed and notorized before my title and plates are released to me.
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After returning the affidavit as instructed, I waited several weeks and did not hear back from XXXX XXXX. When I called, she stated that the attorney asked that I send a short email detailing some specific parts of the sale. XXXX XXXX also asked about a section of the affidavit that I accidently overlooked about whether or not I had knowledge or participated in any fraudulent business practice or nefarious activity involving both XXXX and XXXX XXXX.
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Over the last 5-6 months, I have provided XXXX XXXX XXXX with all documents pertaining to my purchase. The documents included : Bill of Sale, Bank Statements etc ... After waiting several weeks and no follow-up from XXXX  XXXX, I gave them a call. I was then informed by XXXX XXXX that I would have to provide a summary of the entire transaction. I completed the summary and forwarded it as requested. On Thursday, XX/XX/XXXX, I contacted XXXX XXXX  who stated that she have no update for me. XXXX XXXX has refused release the title/plates to my vehicle or provide me with updates. As of today, I am no longer able to get another temporary tag for my car. XXXX XXXX XXXX failure to release my title and plates as caused hardship because I am unable to drive the vehicle to doctor appointments and to work.
. I pray that this matter will be resolved swiftly without further delay Regards, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Ive tried retrieving my Equifax report via annual credit report and by calling Equifax they are not able to verify me although the verification questions asked are answered accurately ... .the report is not accurate
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (UT)

I opened my XXXX billing statement dated XX/XX/XXXX and saw a principle balance due of {$3100.00} so I made a payment of {$1500.00} the same day and another payment of {$1500.00} on XX/XX/XXXX satisfying the principle amount due. To ensure everything was satisfied I contacted the Goodleap billing department on Monday XX/XX/XXXX and requested a payoff statement. The representative told me that she could not provide on at that time because my XX/XX/XXXX payment was still processing the in computer system and told me to call back later in the week. Then I received a statement 6 days after my payment on XX/XX/XXXX stating that after the two payments mentioned above were accounted for that I now have a principal balance of {$2800.00}. I contacted the company the next day XX/XX/XXXX to ask what was going on and I again asked for payoff statement. The representative stated that because my XX/XX/XXXX payment was 6 days past the " promotional period end date '' of XX/XX/XXXX that I was now assessed interest for the entire loan period and that under the circumstances, Goodleap would not offer me what amounted to a 6 day grace period to payoff a fraction of the loan. I then filed a complaint with the company to which they responded with documents that evidently were signed among a plethora of other documents in connection with my purchase of an HVAC system and denied my request to waive the penalty interest. I feel cheated and deceived.
Consumer complaint received 2022-05-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (OK)

I am trying to sell my car that chase is the lien holder on. Im a XXXX XXXX  in XXXX. In XXXX, in order to sell my car, I need a letter from chase stating I have permission to sell it. I contacted Chase on XX/XX/22. They stated they will not give this letter. They verbally state I have permission to sell my car, but will not put it in writing. 

I spoke to a dealership and asked if this was a requirement. The dealership stated it is required I contacted Chase again on XX/XX/22. My wife and i spoke to multiple people with no resolve. I was finally escalated to as high as I could go within chases customer service. She stated they dont give these letters. provided her with a copy of a permission to sell letter that another customer was issued. ( I have attached this letter to the complaint ) She said had to verify the letter came from Chase. She was able to prove this letter did come from chase but said they no longer do it. I asked why. No answer. Without this letter, I can not sell my car in XXXX. My Only option is to keep the car and pay It off. I am being forced into this loan.
Consumer complaint received 2022-05-28
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. (TX)

The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-28
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. (TX)

The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2018-01-02
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. (PA)

XXXX and Equifax is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by XXXX ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is XXXX XXXX
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (NJ)

On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is XXXX XXXX
Consumer complaint received 2022-05-28
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. (CA)

my rights have violated by the bureaus and/or creditor via the following account XXXXt # XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION
Consumer complaint received 2022-05-28
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. (CA)

my rights have violated by the bureaus and/or creditor via the following account -XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION
Consumer complaint received 2022-05-28
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. (NC)

I have recently reviewed my XXXX, XXXX XXXX, and EQUIFAX consumer report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on XXXX XXXX is a fraudulent collection account reporting from creditor XXXX XXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on EQUIFAX are XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXXXXXX XXXX  account # XXXX, and XXXX  XXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.
Consumer complaint received 2022-05-28
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)

I have recently reviewed my XXXX, TRANS UNION, and XXXX XXXX report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on TRANS UNION is a fraudulent collection account reporting from XXXX XXXX XXXX XXXX  account # XXXX. Also on TRANS UNION is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (NJ)

On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is Swiss colony
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

My credit report stated Wells Fargo balance was {$360.00}. I never owned this to Wells Fargo. But I paid it to help purchase a home loan. After hearing on the News of Wells Fargo false reporting. I needed to get my money back. Also Wells Fargo check for {$43.00} was returned stating insignificant funds.
Consumer complaint received 2022-05-28
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. (CA)

my rights have violated by the bureaus and/or creditor via the following account -XXXX XXXX XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION