davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XX/XX/XXXX title loan of {$2500.00} with a interest of 123.99 % total {$9600.00}, I am a veteran on a fixed income, be compensation/pension how can they do this, I need help!
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: Experian Information Solutions Inc. (LA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report 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 XXXX
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (MI)

On XXXX All XXXX credit bureaus were reached out to via mail. I mentioned multiple of times that these hard inquiries do not belong to me. The hard inquiries have not been removed and needs to be removed immediately so I can utilize my credit. I am suffering without my credit and need this corrected as soon as possible. 

XXXX & Experian Inaccurate Inquiries : 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 XXXX XXXX XXXX XXXX - 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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
Consumer complaint received 2022-02-06
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)

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-08-03
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 would have to say that in my opinion congress should shut down Equifax as a lesson to correctly following the law. 

I have been a victim of fraud and identity theft along with their 2017 Security Breach scandal. Three of the top Executives waited three days to inform the American People. In the meantime they sell their investments underhandedly eventually caused the CEO to resign to avoid Jail time.

Equifax takes the Fraudulent disputing process extremely lightly, even though I was one of those millions of victimized consumers.

Equifax is currently in violation of the FCRA 605 B after sending FCT and Police reports I still have inquiries reporting fraudulent.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 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
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/2024 Letter to remove inaccurate Credit Information To whom it may concern : I see this account has a charge off report on the following item. 
Navy Federal Credit Card # ( XXXX ) This account is reported as A charge off and I have Never received a 1099c cancellation of debt form. Due that this account is inaccurate and needs to be removed. 
Also According to a to LAW 15 U.S. Codes 1681s2 ( a ) ( 1 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account should be removed now this Account is reported ASAP. 
Once finished
Consumer complaint received 2021-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have recently refinanced my mortgage held with NewRez LLC with another financial institution, XXXX. Due to issues with closing in a timely manner, title company fault, I made an additional payment to the original mortgage holder to make sure I was not delinquent, avoid late fees and negative credit reporting. The payment was made to NewRez LLC following payoff provided to transfer balance to new mortgage holder, XXXX. 
Sufficient time passed following refinance, 4 weeks, before I contacted NewRez LLC to inquire on refund of the additional payment minus any interest that may be owed due to timing & my escrow refund. In my conversation with a representative of NewRez, I was advised I would only be receiving the escrow refund. According to their records, my payment was not reflected having been received for XXXX, certainly not following the payoff quote provided to the new mortgage holder. I made my last payment to NewRez through electronic billpay, deducted from my account XXXX ( Friday XXXX for {$1700.00}, payment to be received by payee XX/XX/11.
Consumer complaint received 2021-03-07
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: CURO Intermediate Holdings (TX)

While disputing inaccurate information with XXXX XXXX XXXX, XXXX and Ad Astra replaced the previous Speedy Cash account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have XXXX and Ad Astra reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints. 

Both Ad Astra nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to Speedy Cash response to CFBP complaint # XXXX where they confirm that Ad Astra closed this account.
Consumer complaint received 2021-03-07
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. (TX)

Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.
Consumer complaint received 2022-07-10
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. (VA)

In checking my TransUnion report I noticed an account XXXX XXXX XXXX with no account number showing on my report as last reporting XXXX XXXX with an open balance showing {$1300.00}. To my knowledge I do not, nor have I entered into an agreement for repayment to XXXX XXXX XXXX. XXXX XXXX XXXX has no authority to collect from me. XXXX XXXX XXXX is hereby in violation of my consumer rights afforded to me under the Fair Credit Reporting Act. According to the Fair Credit Report Act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that is listed on a consumer report. 

I demand from XXXX XXXX verifiable proof where I have lawfully consented to enter into any contract with XXXX XXXX. If this can not be provided, I demand an immediate deletion from any and all credit reporting agencies that they may furnished this inaccurate information to.
Consumer complaint received 2021-03-07
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: National Credit Adjusters, LLC (TX)

While disputing inaccurate information with National Credit Adjusters, XXXX and XXXX XXXX replaced the previous XXXX XXXX account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have NCA and XXXX XXXX reporting duplicate accounts with inaccurate non validated information while NCA has not provided the information I have requested per my CFBP complaints. 

Both XXXX XXXX nor NCA have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to XXXX XXXX response to CFBP complaint # XXXX where they confirm that XXXX XXXX closed this account.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive been banking with them for a minute, I tried to deposit money from my other account via check and they closed my account?? I thought that was a normal thing normally I would XXXX the money over but it was too much ... the man I spoke to sounded XXXX like man is it hard to be XXXX.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (IL)

I was interested in applying for the new XXXX XXXX issued by Goldman Sachs Bank but it is restricted to just allowing XXXX XXXX or higher users to even apply. I would think that this general purpose card is using the requirement that applicant 's have not only a specific product brand but only the more recent versions is in fact a type of redlining. They do not seem to have a way for anyone interested to apply for credit ( maybe after getting the card a consumer would then want to purchase an XXXX XXXX. Application is also not supported by individuals that may have any number of other XXXX products except the XXXX. 

If this was a store card only accepted at XXXX or only able to be used in the XXXX wallet as XXXX Pay then it might be different but they offer a physical card to use anywhere. 

This just feels like a modern version of redlining as XXXX owners skew to a higher socio-economic level.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (WI)

I had an account with XXXX XXXX XXXX and I tried repeatedly to get them to discontinue the service, I told them I no longer wanted it. I returned the equipment and I continued to get billed. I called to dispute the charges and I was told that there was nothing I could do because it had be referred to collection so just wait for them to contact you. When they finally did contact me they referred me back to XXXX XXXX who is now XXXX. When talking to XXXX  I explained the issue it was they investigated it and found that I was correct that I didnt owe the {$320.00} in which they had reported to collections and had been disputing, it was corrected to the amount of {$48.00} that I had been disputing. I made the payment for the {$48.00} that I did owe once they had it correct in the system. I am disputing this collection beginning added to my credit report and not being removed once the creditor and collection agency saw that it was incorrect which is a misrepresentation of facts as well as slander.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-31
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. (GA)

XXXX Child support has violated my federally protected consumer rights. This fraudulent account is causing harm to my personal credit report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Section ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting One hundred percent accurate. It lists the Child Support court as the furnisher and that's forgery and misleading when the courts don't report this type of account. 
This account was removed before but then placed back on the report. 
18 U.S.C 8 I owe no debt, This company is violating my Consumer rights to privacy.
Consumer complaint received 2023-04-01
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

On Friday, XX/XX/XXXX I deposited a check I received as a paycheck for a job offered to me through my college email. I accepted the position due to needing money and the ease of it's workload ( A secret shopper position where I'd be sent money, purchase products, and submit reviews ). 

XXXX XXXX XXXX XXXX then proceeded to freeze my accounts, tell me I was complicit in fraud possibly, and after a week of no contact, they forcefully closed all my accounts, forbid me from opening new accounts ever, and mailed me my remaining money that I need today through USPS. 

This is insane. I didn't commit fraud. Is this going on my credit report? I demand my accounts be reopened so I can close them MYSELF. This bank is XXXX.
Consumer complaint received 2019-09-17
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. (VA)

I have contacted XXXX  and TransUnion multiple times since XX/XX/2019. I have opened disputes and they have not correctly resolved the issue and my credit score is negatively affected. My XXXX XXXX account is listed as post due for the month of XX/XX/2019. XXXX refunded late fees and interest to my account so that the balance was {$0.00}. XXXX  and TransUnion will not change the status from Past Due to current even though I have provided statements showing the refunded fees. XXXX said the account is up to date in their system and not past due for XX/XX/2019. Their recommendation was to dispute with the agencies which I have done multiple times. I dont understand why XXXX  updated the report and the others refuse. My credit score dropped significantly because of this. So much so I was advised against putting an offer on a house until it was resolved and now the house is no longer on the market!