davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
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. (WA)

I contacted Equifax to submit a dispute of N account on my credit report called XXXX XXXX  due to identity theft. I waited 30 days to wait till my dispute was finalized and they told me that the reason they couldnt get t removed wa because the creditor witch is acceptance now verified my name and social security number witch made no sense to me because if someone stole my identity to open up an account of course they have that information. I later contacted the federal trade commission to explain my situation and they gave me an affidavit to submit to Equifax along with my police report so that I can get the account suppressed and in that affidavit it says they have four days to suppress they fraudulent information.I contacted Equifax on XX/XX/2018 to see if they updated my credit report and they told me that they cant remove the account until they submit another dispute witch we already did and they said that it would take another 30 days even tho the law says they only have Four to make the adjustments to my credit profile. The Equifax employee was very rude and disrespectful over the phone with laughter and rude comments witch made me feel like nowbody cared or had any compassion whatsoever about the situation. One of many employees name is XXXX and his employee number is XXXX
Consumer complaint received 2018-12-13
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)

I contacted Equifax to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 with no resolve. The second contact was XX/XX/2018 at which time they resolved some items but not all. The following issues remain on my report still : XXXX  acct # XXXX need to be removed, not mine. XXXX/ XXXX XXXX acct # XXXX. Employer is XXXX   XXXX AND XXXX XXXX and previously XXXX XXXX. I was a victim of identity theft and I want my information reported correctly because these issues are affecting my goals in business ventures. I will pursue this issue until I receive accurate report.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

I opened my account on XX/XX/XXXX in responding to a web ad saying XXXX opening bonus if you complete 2 direct deposit of XXXX or more. It also says Well automatically apply the {$200.00} offer promo code when you apply online. I called and was told there was no promo code attached to my account at opening. It has been over 5 months and still no XXXX dollars. 

I read that many people are having the same problem. BMO Harris is the worst bank.
Consumer complaint received 2020-07-26
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. (TX)

Dear Experian : Im currently consulting with an FCRA attorney for a possible violation for failing to remove previously deleted account. XXXX XXXX in the amount of {$5500.00}. I gave you notice that this account was a result of identity theft back in XXXX and early XXXX. XXXX, even reported through this same portal that the account was to be removed. You deleted but placed it back soon after. 


Based on the FCRA and my counsels review of the FCRA, you are supposed to notify me five days after placing this account back on my credit report, but you did not contact me. 

This is my last request to your company to follow the law and remove previously deleted account XXXX XXXX as it is not an account that I had any relationship or information concerning this transaction and it is a result of identity theft.. If you choose to send me a can letter and not remove it, I will instruct my FCRA attorney to move forward with escalating this matter and filing 15 more complaints to the agencies listed below. 

FTC, XXXX, attorney general, attorney general in your state, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting, State Senator, Congress, The National Association of Consumer Advocates, The National Consumer Law League
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-26
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. (SC)

I pay for a credit monitoring service with XXXX  and XXXX. I received an alert that the payment stAtus has changed on my Transunion acct. The alert stated my payment status updated to 60 days past due and a balance of XXXX. I contacted Transunion to inform them that the account was CLOSED and PAID IN FULL. I received correspondence in the mail from Transunion that stated they completed their investigation and the information was reporting accurately. There is NO way they completed an investigation because that account was paid in full and the account is closed and paid on all of my credit reports except Transunion. I have uploaded the proof since I had to complete my own investigation. You will see that I missed a payment in XXXX I paid that missed payment on XX/XX/XXXX, I paid the XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX I made another payment, and on XX/XX/XXXX another. On XX/XX/XXXX I made 2 payments.. which paid my loan completely off in full with a XXXX  balance. Please review the attachments to prove this account is CLOSED, and PAID IN FULL. 
The name of the account is XXXX, the account Number is XXXX.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CO)

I closed my Self account like almost two years ago and the guy told me it was closed XXXX of XXXX  & I dont see how now they got a delinquency of payment for a month of when I canceled the card.
Consumer complaint received 2018-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

It started XX/XX/XXXX when I called and spoke with XXXX XXXX. I told her that I was having trouble making the payments due to income change and NOT to debit my account on XX/XX/XXXX for the $ XXXX-I 'd have to make a payment another way.

She then sent me an email with other payment methods.

On XX/XX/XXXX Cashnet debited my account anyway which also got me a {$34.00} NSF fee.

I reached out to Cashnet and with much back and forth they said because I didn't respond with a payment method and the payment wasn't received they debited my account.

All of that created a further hardship.

I called today and spoke with XXXX XXXX   telling her I could not make the upcoming XX/XX/XXXX payment due to no longer working full time. I asked if a payment could be moved to the back of the loan and she said no.

She offered me 2 options, a double payment on XX/XX/XXXXor a XX/XX/XXXX payment of {$51.00} on XX/XX/XXXXthen another {$51.00} plus the scheduled {$200.00} on XX/XX/XXXX.

Those are just not feasible. I want to repay the loan of {$2600.00} which is the amount I received. I have made 2 payments so far ALL going toward interest NONE to the principal. I won't chose between paying this loan and whether my family eats.

I have ONCE again withdrawn consent from them to automated debit my account based on what happened on XX/XX/XXXX. I would like to pay something each pay period but I can't do {$200.00} twice a month right now while I transition from full time to part time.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AZ)

This is not a valid collection and it is time barred. I have reached out to the FCC and the XXXX  to file a complaint against XXXX XXXX as they are unable to provide proof of debt or an accounting history or breakdown to how the balance came to be what it is with no notes in my file.
Consumer complaint received 2024-03-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

See attached XXXX and Experian still reporting a deleted account from XXXX and theyre reporting my privacy without my written wet ink signature of consent. 

Pursuant FCRA 623 ( a ) ( XXXX ) which says furnishers of information have a duty to correct and update information, it also says they must notify " CRA 's '' of any corrections to the information that they initially reported to them.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$41.00} XXXX  XXXX   XXXX {$6700.00}
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital OneCredit card. I pay statement amount in full every month with an agent over the phone as a deduction from my checking account.. My statement amount this month was {$690.00}. Capital One put it through as a payment on the website and deducted {$1300.00}. I have been on the phone with Capital One and XXXX XXXX  XXXX ( my bank ) for over one hour. Nothing was resolved. XXXX XXXX XXXXXXXX proposed a stop payment but there would have been a {$30.00} fee which I feel Capital One should pay. They did not offer payment of this fee.
Consumer complaint received 2024-03-05
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC. (CA)

I initiated wire transfer of {$250000.00} from my Ally Bank savings account to my XXXX XXXX savings account for a home purchase deposit at XXXX PST on XX/XX/2022. Later that morning, I received an email saying my Ally online account has been suspended and my account has been flagged for a fraud investigation. Per the instructions in the email, I called Ally 's fraud investigation department and was treated like a criminal undergoing an interrogation. The Ally representative needed me to upload a bank statement from my previous bank, which I complied to. 

I did not hear anything until the next day, where I received another email from Ally asking to call them to provide more information, and to call the same fraud investigation department phone number. When I called Ally, I was met by another rude representative on the other end, who continued to interrogate me with questions on why I'm making the wire transfer. I asked when the money would be transferred and when I can regain access to my account, to which the representative basically said they didn't know. 

Today, I called them again to obtain a status update. Again, no updates were provided. When I asked again when they expect the investigation to be complete and when my account will be restored, the representative said it could take up to 30 business days, and to call back in 7-10 business days for another update.

Now my home purchase and closing is at major risk and it's likely I will lose out on it. Not only that, but I have no idea where my {$250000.00} is and when I will be able to recover it.
Consumer complaint received 2021-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AutoNation Enterprises Incorporated (NC)

My loan for my vehicle is with CIG Financial. This lender has continuously harassed not only me but my family members who have nothing to do with the car loan. They have repeatedly called my older daughter and my ex husband. My younger son and I had Covid and CIG reluctantly offered a forbearance and then after signing the forbearance agreement they repossessed the vehicle. I had to pay {$2600.00} to retrieve my vehicle. Upon getting my vehicle back, the calls and threats started again. I have been informed that this company currently has multiple class action lawsuits against them for unscrupulous acts against the consumers who do business with them.
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # 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 a account without my written instructions.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Also I have been instructed by my local police department to file a report on www.identitytheft.gov and include the report on the attachments on my disputes as it was FEDERAL LAW ENFORCEMENT AGENCY and they will help me get the justice I deserve. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # 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 a account without my written instructions.
Consumer complaint received 2022-06-15
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. (NJ)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I called the credit reporting agencies letting them know the inquires and accounts on my credit profile were unauthorized. I Never gave them permission or consent to report them. This Aggravated identity theft. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2022-02-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My credit score with XXXX was XXXX and now it is XXXX. I tried contacting them to find out why my score dropped. I have not applied fir any credit. It is very hard to reach this company by telephone. I need to know why my credit scorXXXX decreased. This is causing me a problem finding somewhere to live. Why did my credit score decrease on XX/XX/2022? 

I am submitting this complaint with my former address that was used at the time I registered with XXXX. I am homeless at the present time due to landlord, XXXX XXXX deceptive business practices and gross negligence.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.
Consumer complaint received 2023-03-31
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. (PA)

These hard inquires wasn't authorized by me. 
XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX