davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

XXXX. 2 Private loans jointly signed by my spouse and I. 

XXXX. Made 1 full payment each account. 

No payments thereafter. 

Now, 7 years later, the ( 2 ) loans remain on our reports. Both myself and I. 

Calls to XXXX XXXX XXXX XXXX state that the 7years expired but it is up to the 3 bureaus to remove.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

Keep getting harassing phone calls from Transworld systems Inc. and their reps. Their reps are rude and disrespectful and Ive asked him to stop calling me and they keep calling me. They are acting like a collection agency and when I asked the reps if they are a collection agency, they will not answer my question. They say they handle personal business matters so they are acting all vague and this makes me very suspicious that they are a scam.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had more fraud on another credit card with a {$14000.00} credit line that simply needs to be replaced with a new card and account number, but once again i'm seeing that the available credit was incorrectly deducted from my total on XXXX XXXX which reports to TransUnion, where my total available credit is already nearly {$20000.00} too low, and I once again, lost a point on my credit score, and a month in my average credit age. TransUnion will report that I have only {$23000.00} total available credit, when I really have {$57000.00}. it will show less than half of what it really is, when it's already almost {$20000.00} too low because they take so long to correct the information with the previos two cards that had to have account numbers replaced because of fraud. They need to stop constantly doing this over and over and over again, taking available credit away due to fraud, when the card is simply being replaced with a new account number, which should have absolutely no effect whatsoeveron my credit score.
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX,2017 I contacted transuion to despute unknown and unauthorized inquiries on my report. When contacted I spoke with a gentlemen by the name of XXXX Who assisted me with my concerns. Once I tried to explain to him I was a victim of their glitche in which inquiries were removed and moved back on to my account he referred that I hold the line for a minute. Once on hold he came back to the phone n stated that I was n't apart of that glitche and in order to remove those inquiries I had no idea about and that were removed then placed multiple time back I would have to contact each company who placed the inquirie and have them remove them.after my unsatified result I then stated I would file a complaint and I disconnected the call.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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. (ME)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (FL)

Hello, I have reported this problem many times. I have spoken to them as well as texted and I continue to get daily phone calls for over two years+ now looking for XXXX XXXX XXXX I never heard of. 
Today they called at XXXX am XXXX, It is by XXXX XXXX and leave XXXX as their number
Consumer complaint received 2019-07-17
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: EQUIFAX, INC. (NY)

I called Equifax to dispute the accuracy of a XXXX car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX  and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. 

The Dispute Confirmation Number for Equifax is XXXX.
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

On XXXX XXXXXXXX XXXX I went on a medical leave of absence due to my XXXX XXXX   from my employer XXXX XXXX. Located in XXXX, XXXX After making a phone call to Gm Financial 's customer service department to inform of the XXXX and attempt to make deferment arrangements, I was told that I could not obtain a deferment due to no payments being made on the account. I then called GM Financial again and spoke with a different representative. After explaining my situation to him, he obliged to helping. He advised that he could assist me if I could make the XXXX payment which was due XXXX/XXXXXXXX  before XXXX XXXXXXXX XXXX I was advised to download the GM Financial app to my cellular device for faster payment service. A payment was initiated and processed on XXXX/XXXXXXXX @ approximately XXXX EST. The payment was made by XXXX XXXX XXXX XXXX my sister ) and was from her XXXX XXXX XXXX XXXX checking account ending in XXXX. The app asked for a XXXX digit account number, which XXXX XXXX XXXX XXXX XXXX not have XXXX digit account numbers, they are XXXX digit account numbers. On the XXXX XXXXXXXX XXXX My sister advised that she did not see the payment pending on her account and suggested I call GM Financial, which I promptly did. I was transferred to the " online Department '' who advised me that the payment was recieved and was not late and would be posted by XXXX EST. On Friday XXXX/XXXXXXXX the same representative that advised that I make the first payment in the amount of XXXX gave me a call to set up a deferment for XXXX and XXXX of XXXX. I advised him that my official return to work date was XXXX and that I'd be able to catch up. The representative set me up with the deferment and gave me a pin number. When I tried to follow the link to put the pin number in, it said there was no match to the account. I attempted to contact GM Financial on Saturday XXXX to find out their offices closed at XXXX EST. I attempted to call on XXXX and got an automated message saying " Due to unforseen circumstances, our offices are closed and will reopen tomorrow. I then contacted GM Financial again, Tuesday XX/XX/ and was advised that the payment was not recieved, stating that the account number " was not found. The payment was immediately mafde via telephone representative with the very same account number and was processed immediately. To no fault of my own I now have a missed/ late payment recorded on my credit file. This has plummeted my credit score 75 points. Not to mention my daughter XXXX XXXX XXXX is the cosigner whose credit score plummeted 92 points because of this.
Consumer complaint received 2019-08-08
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: Santander Consumer USA Holdings Inc. (TX)

Loan Co. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX I purchased a used vehicle in XX/XX/XXXX, while I was on XXXX XXXX with the XXXX XXXX. I became delinquent ( as a result of some family trauma ) in XX/XX/XXXX. On my credit report from XXXX dated XX/XX/XXXX # XXXX It specifically reflects the date of purchase, my 1st delinquency ( XX/XX/XXXX ) and for the next 11 months it reflects continual delinquency per their 'legend '. The truth of the matter is that I NEVER became current with this account, and the car loaner ( Santander Consumer USA Acct. #  XXXX ... ) claims that I have, but even on the report itself, it lists extremely limited info, to include XXXX balance, dates/times/ etc. 
For a company that claims I became current refuses to send XXXX, to include the others, any information on my account whatsoever. However they are only giving them information back to XXXX instead of XXXX, so that they can claim to use that year, to establish the 7yr requirement. 
I have provided numbers documents and photo copies requesting that this account SHOULD HAVE BEEN REMOVED XX/XX/XXXX and they continually claim I became current with no information provided by Santander. Please, review my information I upload, and assist me with having this account ( that is now almost up to 2yrs ) to be removed from my account, one and for all. 

Former XXXX dispute ( with no changes afterwards ) account # 's  XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) ** and several others that I can not retrieve quickly. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (TX)

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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 2022-10-27
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. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Consider this an aggressive notification that if your company fails to take corrective actions within 10 days to address the issues outlined below, I will not hesitate to file a complaint with the FTC. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Your company 's blatant disregard for legal obligations is appalling. Your failure to respond within the mandated 15 days constitutes a clear violation, punishable by fines of up to {$1000.00}. 
Provide me with the detailed procedures followed during the investigation of the following accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liabilit
Consumer complaint received 2022-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

i first learned about cryptocurrency investing in XXXX of 2021. XXXX said that Coinbase was the most legit place to invest. i XXXX the company and called the number. the man i spoke to had a heavy XXXX accent, i could almost not understand him, he set up the accounts and apps and my bank wired XXXX $ to purchase mostly ethereum. i can only find XXXX $ of my money in the accounts he set up. i called coinbase to complain and they can see the transaction of my money coming in and then maybe a day later sent out to the scammer. coinbase claims they have no idea how to identify this person and i find that highly unbelevible.
Consumer complaint received 2019-08-08
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. (FL)

I am a victim of identity theft. I have fraudulent items on my credit report that I did not apply for nor did I give permission to anyone else to apply for. I never submitted my personal information to any bank to apply for any loan or credit card or bank account. There are also credit inquiries on my credit report that were generated because of those fraudulent applications.
Consumer complaint received 2019-08-08
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. (FL)

I am a victim of identity theft. I have fraudulent items on my credit report that I did not apply for nor did I give permission to anyone else to apply for. I never submitted my personal information to any bank to apply for any loan or credit card or bank account. There are also credit inquiries on my credit report that were generated because of those fraudulent applications.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelson Cruz & Associates LLC (NH)

XXXX XXXX had a collections account under mine and my wife 's name which was disputed, resolved, and removed from my wife 's account on XX/XX/XXXX. As this amount of {$1400.00} was a joined account, the account was closed and all debts associated with this account should have been dissolved and removed from our credit reports. As mentioned, XX/XX/XXXX it was removed from my wife 's, but not mine. XX/XX/XXXX I started receiving extremely threatening calls from a XXXX  XXXX at Nelson Cruz & Associates stating " mine and my wife 's wages would be garnished, our house is being taken away '' constant use of obscenities, threats and more. We explained the debt was disputed and removed. After contacting XXXX XXXX, we saw the account was never removed from my report as it should have been. We disputed the amount due to the situation of the account already being closed out, and send a letter ( certified with return receipt ) stating that as the FCRA allow, we did not want to be contacted about this account as it was being disputed. The harassing calls did not stop there. Upwards of 7 calls a day I am receiving, and now they have my wife 's information and they are threatening her to the point of feeling mentally and physically violated and threatened. The rep who has been harassing me contacted my wife saying that the account is going to go back on her credit even though ti was disputed. And proceeded to throw several obscenities and threats her way to the point of being visible shaken. We are concerned now that this new agency has the information, even though they shouldn't, that they are going to try to get this money for which has already been closed. Are they able to add this back onto my wife 's credit report? What are our rights or next step?
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I logged in to my Banana Republic credit card management portal ( XXXX XXXX ) to see how many points I have to purchase new clothes and it says that my account is closed. I just made a large purchase last month and paid it off in full and have never been late. They closed my account for no reason given and without contacting me first. Everyone should cut up their OldNavy/Gap/Banana Republic cards because Banana Republic does n't want the benefit of the sales from these cards or what? BR needs to get rid of XXXX XXXX. I ready tons of complaints that they are just canceling cards left and right for no reason. Blaming it on inactivity ( which really means, not carrying a balance often enough ).
Consumer complaint received 2022-08-30
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX BANK XXXX, XXXXXXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.