davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (SC)

Equifax had a breach of their systems and there negligence has caused my personal information to be stolen. They set up a website to check if you have been impacted which I was and they want to give you a free year of credit monitoring but to use it they want you to waive your right to a class action lawsuit. They apparently knew about this breach for more than a month before they decided to tell the public.
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

Please see my complaint # XXXX - I had written regarding the inequity in the counter offer on my short sale. The lender ( Shellpoint ) had two valuations that show the property worth {$37000.00} in XX/XX/XXXX and {$38000.00} in XX/XX/XXXX. They countered at {$80000.00} which makes no sense. 

In their response which the CFPB shut down, they claim they have a valuation on my property of {$160000.00}. That valuation is outdated and was done in XX/XX/XXXX this year by someone who drove by and never even got out of her car to value the property. 

Shellpoint did n't even address the fact that there were more recent valuations on hand. Since when do you utilize an outdated value to determine loss mitigation options. 

I 'm not only disappointed now with Shellpoint, I 'm disappointed with the CFPB for not ever reviewing the information I submitted with the two valuations nor reviewing Shellpoints response.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

My problems are three-fold : 1 ) Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency and did not issue information regarding the attach until MONTHS after the fact. Long enough for their employees to sell company stock at a higher price KNOWING price-per-share would plummet after revealing such a wide reaching leak of information. 2 ) Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, as well as credit card numbers for millions of people. 3 ) Equifax did not take proper security measures to protect their digital site and by not doing so, allowed hackers to target vulnerability within their network to gain access to personal files and information. 

Absolutely disgusting.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

XX/XX/23 We transferred my XXXX $ payment into my Venmo account. We couldnt transfer it into my main cash app account ( the card I have on file ) when Ive never had this problem before. XX/XX/23 we call them and they tell us 1-3 business days. From that point we are expecting it today XX/XX/23 the money failed to hit our account it tried to deposit the amount. XXXX $ then declined AGAIN, a second time. We call and they tell us another three business days or itll be here XX/XX/XXXX. We needed our money and got no actual response on what happens if it doesnt allow the transaction to complete again? Their site says they can hold money for 180 days. This is not okay. They claimed it was suspicious activity but I verified the account I wanted funds transferred too on the phone the day of the XX/XX/23
Consumer complaint received 2022-05-05
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: Bread Financial Holdings, Inc. (IL)

15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about XX/XX/2019 TransUnion and XXXX reported a XXXX XXXX XXXX collection account against my file. After numerous failed attempts to discuss the matter with XXXX I disputed the account with XXXX by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the XXXX account with TransUnion and XXXX on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( T.U. File No.  XXXX/XXXX # XXXX ). 

On XX/XX/2019 XXXX responded to my CFPB complaint stating that on XX/XX/2019 they directed TransUnion and XXXX to remove the account from my credit file and that they are no longer handling the account. A copy of XXXX 's CFPB response is attached. 

On XX/XX/2019 the XXXX debt was still appearing on my credit file at which point I called spoke with a representative at TransUnion explaining that XXXX directed the account be removed from my file as well as faxing to TransUnion a copy of XXXX 's CFPB response. The TransUnion representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 

As XXXX has directed the credit reporting agencies to remove the XXXX account from credit file and the agencies refusing to comply, TransUnion and XXXX are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Servicing Group LLC (CA)

( XXXX ) XXXX @ XXXX XXXX Below is the XXXX Transcript of the voicemail- Hey, this is XXXX with account services pre-legal. Your account has been placed in my department and we need to get a statement on your behalf. If there's no intention of a resolution, obviously, if you do prefer an amicable resolution, please call or go online and get this resolved right away at ASG recovers, That is a is an account S as in Services, G as in group recovers that's recovers or again, just give us a call back at this number for a lake that's super important. We get this matter resolved once and for all is it has been outstanding for too long as it is by law. I am required to inform you. This isn't a collect the debt. Thank you very much.
Consumer complaint received 2017-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Call Center Technologies, LLC (GA)

I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, 2017. I set up subsequent auto payments in the amount of XXXX for 5 months. I have the confirmations. They continue to call and continue to give me wrong information for transactions I did not authorize. They are calling to the point where I am being harassed. They have the payments set up, I do not understand why they continue to call or why they have the information wrong when they call me.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, my experian credit report was flagged with a collection by XXXX XXXX XXXX in the amount of {$590.00}. On XX/XX/XXXX, I mailed a letter to experian exercising my right under the Fair Credit Reporting Act, Section 609 to be provided the source of the information with the original contract that contains my signature. I never received this information from them but instead they opened an experian website dispute with the results of it being an accurate collection belonging to me. On XX/XX/XXXX, I mailed another letter exercising my right under FCRA 611 ( a ) ( 7 ) for the method of verification used to verify XXXX XXXX XXXX account. I also stated that according to FCRA 611 ( a ) ( 7 ), they had 15 days from receiving the letter to provide the information or delete the negative item from my experian credit report. They never provided me with the information but instead they opened another experian website dispute with the same original results. On XX/XX/XXXX, I mailed another letter requesting for the collection to be deleted since they did not provide the information within that time frame and nor did they ever provide it.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

Equifax leaked personal information of a great number of users. I am listed as " potentially affected '' by their weak security and may had my DOB, SSN, Address, and name leaked.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I owed US Dept Of ED {$1300.00}. Upon applying for a home loan I was advised to take care of this debt. I called them XX/XX/XXXX and was told they couldn't accept full payment due to an error within their system. They offered to settle for {$1100.00} and i agreed and paid over the phone. I received email confirmations of account status and confirmation of payment. 
As of XX/XX/XXXX they are reporting a balance of {$200.00} on the account. I called and confirmed my payment status but was told there was an error with their system and no other explanation why a balance is reporting.
Consumer complaint received 2022-03-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. And also unauthorized use of my credit report
Consumer complaint received 2022-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. And also unauthorized use of my credit report
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (TN)

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Experian regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my Experian credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them.

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX XXXX XXXX XXXX XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not 30 as inaccurately stated and reported by XXXX XXXX XXXX XXXX XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2022-12-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Lately I've been noticing that my credit score have been getting heavily impacted in a negative way, so I requested a report to see what is exact hammering my score, I then noticed that there were a number of accounts that I was not aware of and simply not mine. I then contacted the 3 CRA in attempt to verify and resolve these matters notifying them the law says they have 30 days to respond, how ever I've gotten no response. I've reached out to them in XXXX and they sent me back a copy of my credit report, ignoring my claims ... Ive requested the CRA to please send me a copy of the original contract bearing my signature on XX/XX/2022 and the names and addresses of the original creditor, I got no response... I then sent a letter notifying them that I was going to file a complaint. PLEASE HELP
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau (IL)

On my credit report, XXXX hospital has now made the same debt show up twice on my credit. The amount is XXXX. They had an account opened against me in XX/XX/2018, now as XXXX XXXX,  there is another report for the same debt and same hospital.
Consumer complaint received 2017-09-08
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. (NC)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2022-12-16
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: Driveway Finance Corporation (MO)

bought my car in XX/XX/2022 from Driveway.com. I reached out several times to the comps because the car was damaged upon delivery. They ignored me and finally responded after my return window had expired. It is now XX/XX/2022. My car is still not registered. Ive emailed, talked with their escalation team, and my state attorney general. Theyve sent several POAs and Ive sent them back. Each time I call for an update they cant give me an answer. They tell me if I get pulled over to show proof of purchase which doesnt even look legit. I was pulled over XXXX because my temp tags have been expired since XX/XX/2022. The temp tags were only good for 10 days. I have stopped paying on the loan since I can not XXXX XXXX the car legally. Its sickening that I bought this vehicle and cant even drive it!!! I have no transportation due to this company!
Consumer complaint received 2023-08-22
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. (NV)

XXXX XXXX XXXX XXXX PAID OFF AND CLOSED. 
PAYOFF PROOF ATTACHED AND SENT 3 TIMES, HOWEVER DEBT OBLIGATION STILL REPORTING ADVERSELY AFFECTING DEBT TO INCOME RATIO.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-16
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. (CA)

XXXX XXXXXXXX in XXXX California opened a line of credit using my name and social security number for another person. The loan has become past due and it is being reported to Experian on my credit report. Experian has lowered my credit rating. XXXXh XXXX will not clear up my credit unless I give them a loan ID and file a police report of Identity theft.