davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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)

XXXX [ now XXXX BANK ] has been putting false late payment information [ XXXX and XX/XX/XXXX ] on my car loan listed on my credit report AFTER the car loan had been paid off in XX/XX/XXXX. I have repeatedly given XXXX the information that XXXX INSURANCE paid off the car loan to XXXX in XX/XX/XXXX but XXXX has refused to investigate or correct their information. I have even forwarded XXXX XXXX 's email with the particulars of the check ( check cleared XXXX XXXX bank on XX/XX/XXXX ) used to pay off car loan. However, XXXX is NOT correcting the errors on my credit reports. The credit bureaus are still showing incorrect late payment information from XXXX on my credit reports even though I have given them the correct information through the dispute centers. 

This is a violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( the FCRA ) by failing to investigate and correct disputed information relating to customers loan in reports to the credit bureaus. 

[ 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. ] Since the loan was paid off XX/XX/XXXX and XXXX accepted payment by cashing the check [ cleared in XX/XX/XXXX ], XXXX is in clear violation of the above Code. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the late payments [ XXXX and XX/XX/XXXX ] are still showing up AFTER the car loan was paid off [ XX/XX/XXXX ] by XXXX XXXX, the date of last active is inaccurately listed as XX/XX/XXXX [ should be XX/XX/XXXX ], my credit reports are showing one 30 day late and one 60 days late [ should be zero lates across the board ], payment status shows 60-89 dates late [ should be NO lates ], worst payment status shows 60-89 days late [ should be NO lates ] and XXXX showed the account was closed in XX/XX/XXXX [ should be XX/XX/XXXX ]. I submitted the email from XXXX XXXX through the dispute centers so the credit bureaus had verification that the insurance company had paid the car loan off in XX/XX/XXXX [ letter from XXXX XXXX plus they sent me a copy of front & back of check showing check cleared on XX/XX/XXXX. ]
Consumer complaint received 2023-06-23
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. (IL)

There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (NY)

I have written all 3 credit bureaus asking for removal of collections item -- from XXXX XXXX, which sold my fraud account to XXXX XXXX XXXX. I have a letter from XXXX confirming the fraud account, but it was sold to XXXX XXXX. So both companies point fingers to each other. 

I was a victim of fraud. I would like this item removed from all XXXX credit bureaus per the law. I have sent 2 letters now and 7 calls. Still no compliance. 

Please help! 
Thank you XXXX
Consumer complaint received 2022-05-30
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: Fidelity National Information Services, Inc. (FNIS) (TX)

After receiving my Chex system report I noticed negative information reporting on my report from the account of XXXX XXXX XXXX XXXX. Ive written Chex system multiple letters letting them know that I do not recall having an entry of any sort stating that I owed an account called XXXX XXXX XXXX XXXX any amount when ordering my report. Chex System failed to write me back after sending multiple letters trying to fix this problem on my report. I am requesting them to provide me with any information that they have recording with proof of my signature AGAIN. I would also like the documents of the names of employees that they spoke with when verifying that these documents were so called accurate With the absence of this information, you can not furnish this information, I ask that this information be removed from my social security number ( XXXX ) immediately. Please send details to XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX  XXXX.
Consumer complaint received 2022-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

I have received nearly every single day one to three calls from XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and about a dozen other numbers all show up with the Caller ID Credence. Which is a XXXX, IL based debt collector. I do not owe them a XXXX. They harass me daily and I know its a scam. I do not owe any money to anyone in XXXX, Illinois. This is harassment plain and simple.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KS)

I have written and sent a check to Walmart/SYNCB back in XXXX. I have called Walmart Credit Card services multiple times. The first time an employee hung up on me and the second time the manager had told me she would contact me once she found anything out. The company billing manager never returned my phone call. I called yesterday X/XX/17 and the billing manager XXXX was denying my payment. I have a copy of the check that was written and it was cashed XX/XX/XXXX. The payment must have been submitted to the wrong account but Walmart is not admitting to their mistake. I faxed over a copy of the check and the back of the check stating it was cashed. I am not sure what else I can do. I sent a check to pay off the card but they are telling me they have n't received it. I have proof stating I have and it 's been cashed. It is putting my account past due and going to show on my credit report.
Consumer complaint received 2022-05-30
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: Credit Plus Inc (NC)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (NY)

MY NAME IS XXXX XXXX. I LIVE IN XXXX XXXX XXXX XXXX NY XXXX. I HAVE USED REMITLY TO SEND MONEY TO XXXX TO MY BROTHER ON XX/XX/2020 FOR THE AMOUNT OF {$1000.00} AND ON THE RECEIPT SAYS THE MONEY WILL BE DEPOSITED TO MY BROTHER ACCOUNT ON XX/XX/XXXX BUT IT DIDN'T. MONEY TRANSFER REFERENCE NUMBER IS " XXXX ''. SO I REACHED OUT TO REMITLY CUSTOMER SERVICE PERSON NAME XXXX XXXX AND HE/SHE SAID TO PROVIDE THEM WITH RECIPIENT BANK STATEMENT SHOWS THE MONEY WASN'T DEPOSITED. REMITLY CUSTOMER SERVICE SAID WITHIN 48 HRS THEY WILL RESOLVE THIS ISSUE. I HAVE PROVIDE THEM WITH THE STATEMENT FROM THE RECIPIENT WHERE IT SHOWS NOTHING WAS DEPOSITED. SO ON XX/XX/2020 I HAVE REACHED OUT TO THEM AGAIN SINCE THEY DID GET BACK TO ME. SO I WAS ADVISED BY THE REPRESENTATIVE I WILL GET THE MONEY BACK TO MY ACCOUNT 7 BUSINESS DAYS. SO I REACHED OUT TO THEM AGAIN AFTER XXXX BUSINESS DAYS ON XX/XX/2020 AND SPOKE TO XXXX XXXX AND TOLD HIM ABOUT SEVEN BUSINESS DAYS AND HE SAID AFTER HE CHECKED AND HE SAID IT WILL TAKE 10 BUSINESS DAYS NOT 7 AND HE ALSO SAID THEY WILL EMAIL REGARDING THIS MATTER WITHIN 2HRS BUT NOTHING HAPPENED. SO I REACHED TO THEM AFTER 10 BUSINESS DAYS STILL NOTHING WAS DONE. NOW THEY ARE SAYING THEIR PARTNER BANK IN XXXX REJECTED THE FUND BUT THEY DID NOT SEND THE FUND BACK TO REMITLY AND THEY ARE WAITING ON THAT. I HAVE BEEN REACHING OUT TO THEM EVERY 2 TO 3 DAYS AND I BEING TOLD THE SAME THING FROM THEM. I FEEL LIKE THEY ARE WASTING TIME DOESN'T WANT TO GIVE ME MY MONEY BACK. PLEASE I REALLY NEED HELP WITH THIS MATTER. IT HAS BEEN MORE THAN A MONTH AND MY ISSUE HAS NOT BEEN RESOLVED BY REMITLY. I DO NOT WANT ANYONE TO TRUST THIS COMPANY BECAUSE MY UNCLE XXXX XXXX HE HAS THE SAME PROBLEM AND HE HAS TO FILE COMPLAIN AGAINST THEM TO GET HIS MONEY. 
THANK YOU
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I dont have exact dates but I do have a paper work. I bought a vehicle through credit acceptance and when bought within 3 weeks there was issues with the vehicle I took it back to the place I bought it for them to fix the issue they said they fixed it but they problem kept occurring.. I brung it back again and the issue was still going I asked for receipts multiple times they said tthey dont give receipts which gave red flags there and then my power steering was leaking, engine blew out and I gave the car back to them because I didnt think it was fair to me I had to buy a car that had issues too early in. Now they beeen sending letter of suing me and garnishing wages which isnt fair.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My account had its auto payment removed. Neither I or my wife made any adjustments. When I contacted capital one I was told they did not either. As a result payment for XXXX and XXXX payments were not made. I recognized this when I got an alert advising that I have missed XXXX payments. 

This missed payments was no fault of ours, as soon as we got this alert I contacted the bank and made the payment ( XX/XX/year> ) My account was reported as XXXX  days past due in XXXX of XXXX which is inaccurate XXXX had on XXXX  days, as a result we only had XXXX XXXX XXXX days
Consumer complaint received 2024-03-22
Product: Credit 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: TomoCredit Inc. (FL)

On XX/XX/XXXX I inquired about services with TOMOBOOST and found it to be misleading and not what I needed. I contacted them on XX/XX/XXXX via email because the phone number that they have for customer service is a recording that says they are not taking any phone call and to try again later. I made XXXX attempts to contact them via telephone and to no avail. I then sent an email requesting to cancel the account within XXXX hours and they responded with a reference number saying they will cancel the account and is still billing me XXXX months later. ( XXXX ) They also reported to my credit file stating I opened the account in XXXX of which that is erroneous. I am requesting that TOMOBOOST refund me for the XXXX months of billing my credit card {$99.00} for XXXX, XXXX and XX/XX/XXXX and to remove the fraudulent information of my credit profile. 

TOMOBOOST phone number XXXX they never answer the phone and always have a message stating they are not accepting any calls and they can only be contacted via email.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -> : {$12000.00} XXXXXXXX XXXX XXXX XXXX -- -> : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}
Consumer complaint received 2022-05-30
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: TD BANK US HOLDING COMPANY (NC)

" I am a victim of identity theft. Due to the Corona Virus PandemiXXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2019-08-02
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)

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX I received a settlement letter from XXXX XXXX XXXX XXXX XXXX representing American Express for a debt I owed of {$4000.00}. The settlement offer was for {$1400.00}, which I accepted and paid off in full by the dates outlined in the letter by XXXX XXXX, XXXX. However, the public record continued to show in XXXX XXXX records through XXXX. I was unaware that the debt was still showing as not paid. I was made aware in XXXX XXXX when I attempted to make a house purchase and was notified by the loan officer. I immediately reached out to both AMEX and XXXX  XXXX  to clear up the bad record. I provided the settlement letter and proof of payment. I received a court release letter in the mail two months later. It has been cleared ; however, during the time it was on my record, I refinanced a home and purchased a car but did not receive the best interest rates and paid more. I was also denied credit with some other creditors as well due to the negative mark on my credit report and XXXX.
Consumer complaint received 2022-06-20
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. (ND)

in accordance with the fair credit reporting act my rights have violated. 

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 united accounts- {$4100.00} XXXX XXXXXXXX XXXX {$2000.00} XXXXXXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX capital XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I have a credit card with XXXX  for XXXX  credit, I been 24 months making my payments even with the pandemic that sometimes was very hard to pay, I was making my payments on time. in the last month, I call the company I make a XXXX dollar payment leaving XXXX more in balance I request an extension to make the final payment before the interest deferred expire, the costumer services answer me the phone told me if I can't make the whole payment the credit card will charge an interest for the balance remaining, unfortunately, I loose my job after 9 years working in the company, am an XXXX  right now also I request the mortgage company to help me with the payments in this hard situation, I trie to spoke to the manager from XXXX credit card, I explain the situation and I let them now that one of their agent give me a wrong information about the interest fee. they don't care and they don't show any consideration and charge me more than {$2500.00} interest fee in my account. I need help with this situation.
Consumer complaint received 2020-12-19
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: EQUIFAX, INC. (SC)

I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. XXXX  has fixed these errors but I am still waiting on XXXX and Equifax to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.
Consumer complaint received 2020-12-19
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. (SC)

I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. Transunion has fixed these errors but I am still waiting on XXXX and XXXX  to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.
Consumer complaint received 2019-03-27
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. (MO)

XXXX, Equifax & XXXX are reporting lates on all 3 of my XXXX XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX  XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.
Consumer complaint received 2022-05-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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.