davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (TN)

I am filing this complaint regarding EXPERIAN INFORMATION SOLUTION 'S recent reinvestigation involving inaccurate account information showing in my consumer disclosure report with EXPERIAN INFORMATION SOLUTIONS.A written notice of the inaccuracies were mailed on XX/XX/2023 and the tracking number is XXXX. The following accounts remain inaccurate after EXPERIAN 'S recent reinvestigation : XXXX XXXX and XXXX XXXXXXXX XXXX XXXX These accounts still have the same inaccurate information being reported in my consumer disclosure report. XXXX XXXX XXXX XXXX is still reflecting a total of three late payment dates in a row for the year 2023 and XXXX XXXX is reflected as an incomplete account. In the " Payment Summary '' section it shows " ND, ND, ND '' for the year 2023. I am requesting the removal of the late payments with XXXX XXXX XXXX XXXX and the removal of the account with XXXX XXXX as it is still reported as an inaccurate incomplete account. Per Fair Credit Reporting Act 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-05-16
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged the following items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (FL)

XXXX XXXX sent a towing company to contact us about a late payment. XXXX Towing came to my home on XXXX/XXXX/16 and banged on my door so loudly for a long length of time that it scared me. I was too scared to come to the door because of the nature of the banging and the repeated use of my doorbell for at least 10 minutes straight. It startled myself and my neighbors that my neighbor XXXX doors down from my home called the police to report the concern. I called my husband scared and before I could call the police, the neighbors had called because that is how loud they could hear the banging at my front door. The banging rattled my whole house and broke the alarm system off my front door and it was shattered in pieces on the floor when i went downstairs to check the front door. The side wall that is next to the front door is so badly damaged now from the nature of this Debt Collector 's banging and hitting my door. The police confirmed that they were concerned by the nature of this Debt Collector 's banging at my door and will patrol the area looking for this Towing Company to address their unethical collection process.
Consumer complaint received 2019-07-24
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: EQUIFAX, INC. (CA)

Through annualcreditreport, I purchased the Equifax XXXX credit score for {$7.00},  however, the website instructed me to call Equifax customer service. After calling Equifax and speaking with 3 different people, they told me 1 ) the credit score was emailed to me but I never received it and 2 ) a Supervisor finally told me there is no such product. My credit card was charged 3  times by Equifax and yet they are saying there is no such thing. I am still unable to access my credit score with them. Checking my credit score using XXXX, Equifax shows they dropped my credit score by 78 points with 5 good changes of on-time payments that decreased my balances and one increase of {$32.00}  on a store credit card. This drastic drop on my credit score for a {$32.00} increase on one card seems horribly wrong! Please help!
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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.

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 2022-05-16
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. (MO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( XXXX in bankruptcy ) ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2022-10-12
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. (MN)

I was reviewing my Credit Report and noticed some accounts were violating my rights in accordance with the Fair Credit Reporting Act XXXX. All of these accounts below have violated my rights under 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. 

1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NY)

I send money to my friend on XXXX And the amoun is {$410.00}. 
The company shows the recipient recive that amount what she is not. I talk to company 4-5 time they give me UTR number : XXXX. 
Still i m wating for tranfer.
Consumer complaint received 2021-10-29
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 have contacted the credit bureaus and I have filed a dispute numerous times on fraudulent accounts on my credit file! I have also submitted and FTC report on these accounts! XXXX completed my dispute on XXXX and the dispute # XXXX. The did NOT removed these accounts. I called XXXX on XX/XX/29 and spoke to someone in the fraud department who advise the creditor DO NOT have to provide any proof to say the accounts are validated. They also mention they DO NOT have to follow the FCRA guidelines! The credit bureaus are NOT following their guideline per the FCRA to validate a debt or remove the accounts. They are also not responding in a timely manner. I have ask these bureaus numerous of times to validate this debt is mine and they mention they dont have to and it is my job to validate the debt with the creditor. I also have a recording of the fraud representative from experian telling me this but I cant upload the recording.
Consumer complaint received 2022-10-12
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. (TX)

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the Equifax data breach. XXXX told me I should talk to the creditor even though I provided XXXX with what they asked me to provide in order to dispute the item. Neither bureau ( XXXXEquifax/XXXX XXXX XXXXXXXX XXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and XXXX told me they will not put the item in dispute because the company said the debt is mine without proof. 

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the Equifax data breach. XXXX told me I should talk to the creditor even though I provided XXXX with what they asked me to provide in order to dispute the item. Neither bureau ( XXXX/Equifax/XXXX XXXX XXXX XXXXXXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and XXXX told me they will not put the item in dispute because the company said the debt is mine without proof.
Consumer complaint received 2022-05-16
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Consumer complaint received 2022-05-16
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2019-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TCF NATIONAL BANK (FL)

XX/XX/XXXX is the most recent date I spoke to a manager explaining my reasons and explaining how I will pay my car in full before XXXX ends because I am getting my tax returns. She acknowledged and explained how she will stop the company from harassing me any further and that my car would be ok. Then out of nowhere the next night my car gets towed. Listen read the reviews about this company. They shouldn't even be in business. Even if I have a date to make a payment they call me several times a day they even go as far as to disguise their business number to look like a number here in my area and they're in California I am in Florida. I will tell you I made payments every month. Right now i am the only one working i told them that i will be making payments but it will be between 100 and 150 because right now i am paying all my bills since my wife left her job to take care of our XXXX  baby girl. But they insist of throwing it in my face how " this is a business and we need our money '' in fact they sit here and argue with me. Rather than being a patient quiet customer service rep they actually talk back and be smart XXXX about it and argue with you as if they're the customer. And now I am without my car and I cant go to my job because its across the bridge and the city bus doesnt travel that way. Now I will have to get another job on my side of town and that leaves me and my wife without work with XXXX children and one being XXXX. This finance company is straight from hell they dont care about anything. They dont care to be patient stop and listen they dont care about peoples situations nothing. I even called them today XX/XX/XXXX many many time I even called the manager lady that assured me things will be ok and no one answered. I called the dude back that was suppose to have my paper work and he never answered the phone. I got put on hold 5 minutes and more I got transferred a dosing times I left messages and nothing. And I have a time limit before my car gets put up for auction. I hate that company along with everyone else who has left reviews describing how awful they are. That companies name is XXXX XXXX XXXX XXXX XXXX XXXX in California. They suck. I hope this company shuts down. Its terrible
Consumer complaint received 2019-02-14
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)

I was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX and XXXX/XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my credit report.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

in accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-16
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. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$560.00}
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NY)

http : //credencerm.com/ company has continuously been calling my job regarding a debt that has already been paid. 
in addition to telling them it has been paid and asking if the account reflects that, i have been told in order to tell me if it has ; that I have to verify my address, and my telephone number ( which I have ) they also are insisting I give them my social security number. even though I have given the account number on the paid bill. 

numerous calls were made to my job harassing me and telling me that I need to pay. 
again a confirmation number was given to them and they insist they need my social in order to continue looking at the account.
Consumer complaint received 2022-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$5900.00} XXXX  XXXX  XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX : {$0.00} Equifax : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$0.00}