davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
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)

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section XXXX ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 


I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section XXXX ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.
Consumer complaint received 2021-12-04
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. (FL)

Transunion is showing that I have a Charged off / Collection for child support - this is an invasion of my privacy they are in violation of inaccurate reporting and violation of 15 usc 1692 ( a ) this accounts needs to be DETLED at once. This is preventing me from getting approved.
Consumer complaint received 2022-06-10
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION 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 a account without my written instructions
Consumer complaint received 2022-06-10
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION 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 a account without my written instructions
Consumer complaint received 2022-06-10
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-10
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. (PA)

in accordance with the Fair Credit Act XXXX  account # XXXX has violated my rights XXXX XXXX XXXX section A //states i have right to privacy 15 USC 1681 section A section 2 states a consumer reporting angency cannont looking into or furnish my account without my written consent nor instructions
Consumer complaint received 2022-06-10
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. (PA)

in accordance with the Fair Credit Act XXXX  account # XXXX has violated my rights 15 USC 1681 section A //states i have right to privacy 15 USC 1681 section A section 2 states a consumer reporting angency cannont looking into or furnish my account without my written consent nor instructions
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I have an XXXX XXXX credit card that was closed due to fraud without any further explanation. Attempts have been made to understand the details, but XXXX XXXX XXXX only explained to me over the phone that the account was opened as a result of fraud. As such I replied that I made more than XXXX XXXX dollars in payments to the account and requested that money be refunded. XXXX XXXX XXXX referred me to Wells Fargo for any disputes. I filed dispute with Wells Fargo but Wells Fargo sent me a letter dated the very next day of the dispute that they had investigated the dispute and determined the payments were authorized. The bank should have disputed the transactions to find out the result from the party I filed the dispute against. Instead they had determined they did not have to investigate the ACH payments disputed.
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Consultants of California (CA)

I paid a medical collection to Collection Consultants, and subsequently informed them that because it was a paid medical collection, they must now delete it from my credit report as required by the XXXX XXXX XXXX and Accountability Act ( HIPAA ).

They have refused, and violated my rights under HIPAA.
Consumer complaint received 2018-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is for XXXX, Transunion and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on XXXX website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, Transunion could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} , XXXX XXXX  showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.
Consumer complaint received 2018-10-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

XXXX and Transunion sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.
Consumer complaint received 2020-10-29
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. (GA)

XX/XX/2020 sent dispute letter to Experian for erroneous item on my credit report that is not on XXXX  or XXXX. They responded back verified. I then sent a 611 letter XX/XX/2020 in which they responded back " not able to honor my request. '' XX/XX/2020 sent a letter exercising my FCRA section 611 ( a ) ( 6 ) ( B ) ( iii ) ( 7 ) rights. Experian violated my consumer rights by not providing the proper requested documents I am entitled to by law. Experian sent an email stating to call to get dispute results they were not available online & the updated results were blank & no change to my report. I was told my Experian Rep XXXX XXXX XXXX on XX/XX/2020 at XXXX XXXX  EST that they do not have to provide method of verification. She also said they got the info from the courthouse which I know is false because in the 1st verified letter they sent to me they stated account was verified by XXXX  XXXX. They need to be help accountable to violation FCRA laws. This is illegal & as a consumer my rights have been violated. They need to delete off my credit report immediately. Each time I file a complaint they respond they can't verify my identity. I have attached my ID and supporting docs.
Consumer complaint received 2023-05-24
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX 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 a account without my written instructions.
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (IL)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (MD)

Initiated a money transfer to a friend in XXXX on XX/XX/XXXX via XXXX XXXX XXXX online services ( Continental Exchange ). However, you he transfer for rejected as well the account closed the same day. The money from my bank account was taken immediately. When I tried to get the refund of my USD back to my bank account it was not returned at the time of this complain. Please help me get my money back soon and also get me compensation for the damages caused by all the issues. Thanks
Consumer complaint received 2022-02-03
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. (FL)

In the midst of the pandemic in XXXX, my husband ( who has submitted a duplicate CFPB complaint ) and I returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. All our monthly lease payments were completed without a missed payment. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in lateXX/XX/XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid and with no previous warning of any kind. In any case, we assumed this collection letter we received belatedly would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. In fact, all our bank and revolving credits have an exceptional standing. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account No. XXXX, has violated my rights. 
XXXX Account No. XXXX, has violated my rights. 
XXXX XXXX Account No. XXXX, has violated my rights. 


1

5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I reached to them to XXXX, and XXXX Knowbody got back to me to let me why is this on my credit report when I have a police report online for identity theft. I also sent them countless letter as well.
Consumer complaint received 2022-02-03
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. (TN)

I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this complaint.
Consumer complaint received 2021-12-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

On XXXX XX/XX/2021 at XXXX, Moneygram accepted a debit to debit vVisa transfer from my domestic partner in the XXXX to myself in the XXXX in the amount of {$2000.00} USD. Their website promises the money is " usually available in minutes '' by this method, and their terms and conditions promise it within 4 days at the latest, barring force majeure. 
As of XXXX XXXX, this money has still not been received. They were contacted by telephone by both myself and my partner and the representative gave no information to either of us except to assure there wasn't a fraud hold and that they were not claiming force majeure. The representative offered to file a complaint that would be resolved " within 90 days '' ( more than XXXX times the statutory 15 days to respond to such complaints ). 
In the mean time, we are behind on our rent and the money has been taken from our account. Moneygram will not provide any further information, explanation, or help, and their lateness will likely put us out significant late fees. A demand letter sent to their customer service email was not responded to.
Consumer complaint received 2021-02-10
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. (OK)

The Credit Bureaus have stated that they have verified a bankruptcy on my credit file as accurate and it was verified with the XXXX XXXX XXXX OKLAHOMA. Which is incorrect. 

I have uploaded the letters that describe the issues I am having..
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MIDFIRST BANK (AL)

My mortgage loan was sold to XXXX XXXX  not by my request. They obtained the loan XX/XX/2018 and have not reported to any credit bureau as a result one of my credit lines was decreased and my credit score dropped several points. I called XXXX XXXX and was told they don't report new loans for 90 days By Law and that they would not report my account until XXXX. I called back due to not being satisfied with the answer received and spoke to a supervisor and was told they don't report right away to give the customer time to adjust to them as a new client. The supervisor advised me they would report this month XXXX which is different than what the representative told me. This is completely disappointing.