davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (GA)

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX XXXX XXXX  XXXX... 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2021-07-22
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: Affirm Holdings, Inc (NY)

Affirm, Inc. XXXX XXXX XXXX Fl XXXX, XXXX XXXX, CA XXXX. This company owes me a refund for just under XXXX XXXX Dollars due to a product call back. The check has not arrived within the time frame stated by Affirm, and I am unable to get any updates on this from affirm customer service.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

With XXXX XXXX Credit Card they are showing late payments during COVId I moved hadn't gotten bills and asked the to remove the negative and they haven't it's 3 negative not payment history under 15 US Code 1666 late payment can be removed XXXX is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Consumer complaint received 2017-07-21
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. (FL)

transunion credit is reporting a collection that has been investigated and previously removed by all 3 reporting co.this account was never mine [ XXXX ] it reappeared on XXXX and XXXX and was removed as soon as i notified them, but transunion refuses to acknowledge me, they have dropped my credit score to XXXX, XXXX XXXX and XXXX XXXX.I have filed an on-line dispute six weeks ago to no avail.I have also sent a registered letter requesting that they remove XXXX collection from my report.
Consumer complaint received 2022-07-26
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy.

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.
Consumer complaint received 2021-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

fedLoan Servicing -- I have submitted my employee recertification form for PSLF verification, in XX/XX/XXXX, for the months of XXXX XXXX XX/XX/XXXX. Since I have been doing this annually since XXXX, I am aware that it generally takes about 2 wks, however effective today XX/XX/XXXX, nothing has been updated and I have received no information. I have called or communicated thru messaging on at least 5 occasions and have spoken to supervisors, only to be told we have no updates for you. Finally after my 4th call someone told me I should have uploaded my cert form thru a new feature on their site called the PSLF help tool and I would have been approved much faster, rather than uploading it to the usual " upload docs '' section. I have never heard this or done this so I resubmitted my docs thru the help tool in XX/XX/XXXX. Well, they approved my payments of XXXX XX/XX/XXXX, but left XXXX XX/XX/XXXX unreviewed! So I called again and they said it's still under review. I have had the same employer for 11 years and have submitted multiple employer cert forms- it absolutely does NOT take over 6 months to determine that my employer, a COUNTY, is a government agency. Furthmore, XXXX XX/XX/XXXX were reviewed and accepted within a week, thereby proving that it does not take 6 months. And why weren't all my prior months reviewed up to XX/XX/XXXX? What is the hold up? I am getting no answers, no help, no apologies, nothing. Furthmore, I noticed that they approved months XXXX XX/XX/XXXX for TEPLSF only, yet months XXXX XX/XX/XXXX were on the same exact payment plan with the same exact employer, and we're approved for BOTH PSLF and TEPLSF. Makes zero sense and I need answers and updated employer certification, bc as I learned by watching the news, they will not be my provider after XX/XX/XXXX, and I want my account current. I have done everything I am supposed to do on my end and I expect the same from them.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello on XX/XX/2019 went on XXXX  XXXX noticed i got a hard pull from capital one on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45 days.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal or deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. BANCORP (RI)

I chose to buy out my lease. My wife sent US Bank a personal check for the agreed upon price plus state taxes. Just over thirty thousand dollars. The check was cashed. Two days later the funds were returned. As soon as I noticed the returned funds I called US Bank. The associate I spoke to told me that the check was not signed and I needed to send a new check. I called my wife and told her we made a mistake and we need to send a new check. She replied by sending me a picture of the check written out perfectly. So I then called US Bank back to question what was wrong with the check. I was told by a bank employee that I needed to sign the front and endorse the back of check and overnight the new check to US Bank. I asked to speak to a supervisor because Ive never heard of endorsing a check that I wrote and I was worried about US Bank having two checks equaling {$61000.00}. The employee told me that no one was available to talk to me and someone would call me back. I called back to talk to someone new and after much questioning was told to write new check properly and mail it to US Bank. I still wanted to talk to a supervisor so I waited for my callback. Two days later I still had no response. My wife called our bank and they said I should send a bank check there is no way US Bank can not except it and they would send it for us. The bank check was taken out of our account and mailed to US Bank. The bank check was signed for by US Bank the next day. I called about a week later to make sure all was well. I was told my account was closed and I should expect the title for my vehicle in the mail. That day the title arrived. Everything seemed good. Until my wife and I are on vacation and my wife goes to a pharmacy and trys to pay for her products to find her card was declined. How embarrassing! Come to find out US Bank cashed the first check we sent for a second time and overdrew the account. I called US Bank immediately in a panic. After a long conversation I finally spoke to a manager who told me that nothing can be done until Monday. She told me an investigation would be started Monday morning. When I called Monday no one knew anything about my issue and nothing has been done but was assured that someone would look into it. As I am writing this it has been five days and they still have not resolved the problem. Every time I call its a struggle to talk to someone who knows anything about my problem. My wife and I are both very busy and finding it difficult to work a deal with this problem. I have to repeat my nightmare story every call. Ive had to give my social security number to so many people Ive lost count. We are scared this is going to effect our lives greatly.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT SYSTEMS would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2023-10-12
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)

XXXX actions were in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). Inaccurate credit reporting can harm a consumers ability to get a loan, and it can also harm the interest rates that they do qualify for in regard to loans they are able to obtain. It can even affect an individual consumers employment prospects. Therefore, it is very important that a consumers credit information is collected, reported, and shared accurately. Violations of the Fair Credit Reporting Act by a defendant can provide consumers with statutory damages and actual damages. It can also entitle consumers to have their attorneys fees and court costs paid for as well.
Consumer complaint received 2023-06-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (NV)

I called and wrote Prosper to revoke my ach payment authorization abs they OK it but the ach payment continued. I filed XXXX  XXXX bankruptcy on XX/XX/22 and the clerk verified that they were notified and the ach withdrawals continued and XXXX  XXXX XXXX not Prosper could stop the ach payments
Consumer complaint received 2023-02-10
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. (GA)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2018-05-12
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. (MS)

On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles.

To this day the account is still reporting to the credit bureaus as 30 days past due.
Consumer complaint received 2022-10-14
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. (DE)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2019-09-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score 22 points. I not am going to pay for a car I didnt drive for a month when I even told ally that the car was defective. Ally said I gave up the car in XXXX and that was incorrect. It was within 3 weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?
Consumer complaint received 2022-12-01
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-15
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. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (NY)

i HAVE CONTACTED AMERICAN EXPRESS FOR ALLOWING A CRIMINAL TO TAKE MONEY FROM MY XXXX CHECKING ACCOUNT. THEY RESPONDED THAT THEY REVERSED THOSE CHARGES AND THAT XXXX IS IN CHARGE OF THE FUNDS NOW. HOWEVER XXXX IS SAYING THAT AMERICAN EXPRESS DID NOT RETURN THE FUNDS DUE TO TIME LIMIT ON RETURNING FUNDS. 
MY XXXX CHECKING ACCOUNT # XXXX WAS USED FRAUDULENTLY TO FUND AN AMERICAN EXPRESS ACOUNT # THAT WAS NOT MINE AND I DO NOT KNOW.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Sir/Madam, I opened an Adv Plus checking account ending XXXX in XXXX from BOA, with a {$100.00} promotion bonus opportunity after XXXX $ XXXX direct deposits into this account. I have deposited multiple payrolls of $ XXXX into this account in XXXX and XXXX, but I still didn't receive the {$100.00} bonus yet. So could you please investigate on this issue? 

Thank you very much, XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NE)

They advertise that I would get 6 months with no interest on any charges over {$250.00} that I make with the XXXX purchase and I have called several times to get this fixed as it is going on for over 45 days and they have not resolved the issue.