davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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)

For the last 8 months I have been trying to get inaccurate information corrected and updated on my two XXXX accounts. These accounts are showing I was 120 days past due in XX/XX/2016. I have sent copies of my entire XXXX  payment ledgers I received directly from XXXX that validate i was never past due. Each time Equifax has said these accounts are being reported accurately. That is impossible as 1 : the payment ledgers I have submitted are directly from XXXX. I contacted XXXX to ask why they are reporting the late pays as accurate to which they responded they do not respond to disputes once the loan is paid off. I have asked Equifax on three separate occasions to tell me the manner of investigation and to send documentation they received from XXXX that made them disregard the Ledgers I sent to them I received directly from XXXX - Equifax has failed to send this.. 

I also have a collection placed on my Credit Report I sent Equifax a copy of the the letter from the collection agency that said the account is to be deleted XXXX to from my credit report - I sent in the letter and XXXX would not delete it. I asked the Rep at XXXX why this wasn't being deleted and the response was its illegal for XXXX  to remove items from a persons credit report. They are in possession of the letter stating it is to be deleted and are knowingly & willfully keeping inaccurate information on my credit report. 

I don't know what to do or how to get Equifax to remove this inaccurate information when they are in possession of my entire payment history with XXXX and XXXX  is communicating they are not confirming the information as accurate and their right out refusal to remove a collection account when they are in possession of a letter from the furnisher stating it is to be deleted except to seek legal action against Equifax. 

Equifax is in violation of the CFRA and I will be seeking legal action against them
Consumer complaint received 2022-04-09
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: ALLY FINANCIAL INC. (TX)

FRCA Violation auto loans late payments ALLY FINANCIAL FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC (TX)

In XX/XX/XXXX, I used a company called Loan Pal to get a loan. I used the loan for solar power on my home, buying all the parts and installation from XXXX XXXX. As happens, my original loan sold from Loan Pal, and I now owe the loan to Good Leap. My complaint is about Good Leap 's threatening practices. 

In about XX/XX/XXXX, I became unable to make loan payments on time. I explained to Good Leap I am not working or receiving money and am behind due to serious illness. They have now left a letter left taped to my door threatening me with coming into my ( fenced and gated! ) back property, and disconnect the solar panels on my house. 

First, I understand I owe a loan, but the solar panels they are threatening to disconnect were neither purchased from them, nor by them. It seems illegal since they only bought out a loan from Loan Pal. Second, can they really trespass into my property and/or break or mess with my house/home or connections because I'm behind paying?! Even car mechanics can't come open your hood and break your car if you get behind, or electricians and plumbers aren't allowed to come in your yard and tear out previous work if your check is late. I have never known such an unreasonably hostile and unprofessional acting company. I'm left freaked out someone is going to break in my gate where my loose, beloved, pets live, and then break the house connection that actually XXXX XXXX came and hooked up. What do I need to do, or can I do to make them cease this threatened and seemingly illegal action?
Consumer complaint received 2022-04-09
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. (GA)

XXXX XXXX XXXX XXXX ( XXXX ), after initially approving me for a loan, reneged and refused to issue the loan. That may be well within their rights, however, they reported the loan on my TransUnion credit report has issued. Now I have an installment loan reporting which I never received due to the negligence of XXXX and TransUnion.
Consumer complaint received 2021-06-16
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. (TX)

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX
Consumer complaint received 2022-04-09
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. (TX)

wrong account and data on my Equifax credit report, I do not know these companies try to do collection. wrong information i do not agree should be deleted immediately. 
I was about to refinance my Mortgage and this wrong report is not justify and violate customer right.
Consumer complaint received 2022-10-25
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

Since XX/XX/2022 I have had numerous fraudulent accounts open at TD Bank. I've called them multiple times and they say " they are looking into it ''. I continue to get new accounts sent to me that someone is opening fraudulently. I have documents of everything I have for TD Bank. I am annoyed that this continues to happen at the same bank. TD bank said it may take months for them to send a letter that this account is closed even though there are multiple fraudulent accounts. A few accounts also were then opened at XXXX bank as well around this same time. XXXX was able to send me a notice of account closure very quickly. I am still waiting on TD Bank to do this. I am attaching XXXX to show how quickly another company can handle it compared to TD.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, XXXX and XXXX have both deleted those charges and brought the score back up. ( Experian is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, XXXX, XXXX, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (FL)

I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX INQUIRY - XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, Equifax and XXXX have both deleted those charges and brought the score back up. ( XXXX is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, Equifax, XXXX, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

They did not do anything about the {$20000.00} I never got last year nor has the social security administration done anything about that or the {$19000.00} dollars I never received this year and the {$46000.00} still accounted for
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

From XX/XX/2024 to present I have sent various letter to Transunion, XXXX, and XXXX regarding numerous inquires on my credit profile that do not belong to me. I was a victim of identity theft and for that reason I have a fraud alert placed on my credit report with each bureau instructing any creditor wishing to access my credit profile to verify my identity through contacting me at the listed phone number and obtaining identification. Transunion, XXXX, and XXXX failed to comply with my wish to protect my credit information and even more so did not complete a thorough investigation of my disputes when presented to them sending out correspondence stating that the inquires would remain for 2 years. 

In accordance with the Fair Credit Reporting act. The list of inquries below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. .15 U.S.C 1681 section 602 A. 

Transunion, XXXX, and XXXX have not complied and I am requesting action or demanded compensation.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Ive tried to cancel my membership with Experian several times, and they still have my account locked down unless I pay them {$20.00} to keep the membership. Im unable to access my credit report in any capacity. I just want the free access and theyre not honoring my request, and trying to keep me out of my account unless I pay them for a membership that Ive requested to be canceled numerous times. Its really upsetting and seems like its potentially illegal to not allow a consumer to even log in to their account without paying money for a service that the consumer has asked to cancel.
Consumer complaint received 2022-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I applied for a personal loan with this company on XX/XX/XXXX, and was offered a 30-40 % interest loan for {$2500.00}. After agreeing and signing the contract, I was advised that I needed to verify my income through my bank. Netcredit said I would receive the funds in my account as soon as I completed the final bank verification. I attempted to do so on their site, but the process would not complete after two tries. Then it said I was locked out until the next day. I called and spoke to a representative who said that she would let the approval department know and they would contact me within a day or two at most. No one contacted me, and the following day, the entire site was " down for maintenance '' during business hours. I called and again a representative said not to worry, but she was unable to directly communicate with the approvals department and that they would contact me by email. I did receive an email directing me to the very same bank verification page, and it continued to hang up without completing the " last step '' before my loan was funded. 
I called and persisted in demanding a clear explanation of how to either immediately verify my banking info another way, or cancel the loan request. I stayed on the phone with the rep until I received an email reflecting my request to cancel the loan. I believe that had I not taken that step and insisted on canceling the loan, they would have drawn it out to the point where I would have had no option to cancel. The three reps I spoke to were all very vague about what was happening and why I could not get their verification process to work or be connected to someone in the department that handles the verification. I consider myself fortunate if I averted a loan with netcredit. Now I have a credit inquiry on my report for no good reason, and I hope that this company does not negatively impact me in any other way now that they have access to much of my personal information. 
Their website still indicates that I have an approved loan waiting on that verification page.
Consumer complaint received 2024-03-07
Product: Credit reporting 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 was a victim of identity theft, I have sent multiple disputes challenging the inaccuracies of the information listed on my credit report. The credit Reporting Agencies have Refused to Removed fraudulent accounts. I have attached Police Report and most recent Disputes along with a Notice of Intent to Sue.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I Filed an earlier Complaint against Experian Credit Bureau for false reporting and theyre still reporting the same false information since XX/XX/XXXX. They dropped by Credit Score over 100 points in 2 years and never corrected it. My credit score is XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and Experian XXXX XX/XX/XXXX. This is unexceptionable, this is basically the same score since XXXX and theyre constantly sending me marketing information to raise my score. I owe nothing have 2 lines of credit from XXXX Credit Bureau in NC thats been open for almost 2 years ; yet they report 0 utilization and the bank told me on XX/XX/XXXX theyre reporting every month the card are being used. They got me owing XXXX  dollars but XXXX has a balance. XXXX sent me a 1099 C we settled the debt on XX/XX/XXXX and I have the tax document. Experian reporting that I was late 3 times on my mortgage with XXXX Bank in XXXX. I was never late I have documented. Theyre reporting I was 48 month late on a closed XXXX XXXX account that was closed. I settled on closed accounts. My next step and last option is because Im XXXX  is to ask the FTC to intervene.