davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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)

By the provisions of the Fair Credit reporting Act, I am submitting this CFPB Complaint to you today to rquest tha the erroneous accounts being reported on my Credit File be immediately investigated and corrected on my credit file. I have seen here that the accounts : OFFICE OF THE ATTY GEN XXXX XXXX : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} are reporting to be 120 days late.An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Additionaly, the account OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} is being reported by the XXXX Credit bureau as late which is different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Consumer complaint received 2022-07-26
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 — 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 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 2019-01-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Hi I've contacted NMAC regarding my payment. I've made them aware of the government shutdown effect and have not worked for the past 3 almost 4 weeks. I paid the amount owed for XX/XX/XXXX but somehow hasn't gone through because I haven't received any payments since XX/XX/XXXX. I asked if anything can be forgive being the government shutdown. They mentioned they do not participate in the shutdown and needed to make a payment immediately. I asked if 30 days could be waived because this will effect my credit tremendously, they told the arent able to waive anything and a supervisor told me to contact the three credit bureaus. I contacted all three and they told me it's the creditor obligation to update not the credit bureau. I just want to have some sort of leverage as I've and 800k workers have been effected for this silly shutdown. I would like if they can allow at least an 30 day waiver for XX/XX/XXXX. I will set up automatic payments moving forward. I am desperate
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (MD)

I am out of a job due to the pandemic that the whole United States us under I explain this to Bridgecrest. I am on unemployment and I am one car payment at this time. Bridgecrest has sent me a default letter for this one month. I was always under the impression that you had to be three months before you default on a loan. I paid Bridgecrest {$980.00} on XX/XX/2020. I am trying my best to make ends meet but this company has no consideration for what people like me is going through. I am going through something that is no fault of my own. Before this pandemic happen I was paying my car payment and on time. Bridgecrest has report to the credit bureau that I was thirty days late which took my credit score down very low. This company is trying to destroy me and I am already experiencing enough without them making things worse. They need to be more considerate because I am doing the best that I can. They also sent me a letter pretending it was certified I didnt sign for this letter but the envelope says certified. I feel like they are harassing me and stressing me out.
Consumer complaint received 2021-07-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This accounts has been disputed several times yet I have not received any response from the credit bureaus : XXXX XXXX Account # : XXXX
Consumer complaint received 2023-03-09
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. (TX)

Im submitting this complaint to you today to inform you tha I am a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX, Fl ) regarding a problem I was having. They sent a gentleman by the name of XXXX XXXX who showed up with his cousin XXXX XXXX. After they left, i realized that the problem was never resolved and in addition I received XXXX separate bills one from XXXX XXXX in the amount of {$570.00} ( for changing thermostat and running fluid through the AC ) and the other from a company called XXXX XXXX XXXX XXXX in the amount of {$2900.00} for charges to my credit card : I contacted Macy's/America Express about stopping charges which his boss, XXXX who came to my house from XXXX XXXX  to evaluate XXXXXXXX XXXX work and told me I was ripped off by XXXX and that it had nothing to do with his company I did not hire XXXX from XXXX  XXXX, I hired XXXX XXXX and will not be responsible for a secondary company coming to my residence when I did not hired him in the first place.. HIs boss XXXX whom I contacted from XXXX XXXX  told me that XXXX was just fired and that he did not perform any of the work listed on his bill. Subsequently I had to hire XXXX XXXX XXXX to do the work that XXXX, from XXXX XXXX never did. which cost me over {$7.00}, XXXX  for that to be redon. Between XXXX XXXX XXXX I contacted my credit card company : Macy's/American Express to refute the charges for {$2900.00}. They told me they would put a freeze on the charge while they investigate. Approximately 3 months later sometime in XXXX, I received a letter from the credit card company stating a credit to my account in the above amount. About one month after, I received another letter from the credit card company stating the following : " Based on the results of our investigation we determined that you are responsible for the disputed charge. '' I am disputing this charge with the credit card company since I did not hire XXXX XXXX  XXXX. In essence, XXXX XXXX, was the respondant superior that is responsisble for me being ripped off from the secondary company XXXX XXXX, that I did not hire.
Consumer complaint received 2022-07-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Per XXXX XXXX our credit/owe is $ XXXX. This is for XXXX XXXX installment. We only owe $ XXXX not $ XXXX. We talked to XXXX XXXX on XX/XX/XXXX and explained to them that it's only $ XXXX and XXXX XXXX representative said she will call us back maybe that same day or later to give us update. We call again to check on them on XX/XX/XXXX and today XX/XX/XXXX but no call back. And it's already shown on our credit report .that makes our score went down. Please help. XXXX XXXX  are not calling us back anymore...
Consumer complaint received 2021-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00}
Consumer complaint received 2018-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LendUp Loans LLC (FL)

It shows in my credit report that I owe XXXX XXXX {$25000.00} that I NEVER applied for it and Never received, although I have never received any info or requests from them all of the sudden very suspiciously it shows I owed them that amount from XX/XX/2016. I spoke to someone in customer service that had no idea what she was doing, completely clueless said the TEAM '' will get in touch with me of course they have NOT. I have sent them many emails they do not answer, finally they send me an email that says LOG IN to my account, which I DONT KNOW what they are talking about since I do not have accounts with them, and send them my name birth date phone number which I did and still they have not answer. This co is a SCAM do not answer back, do not show the documentation or disbursement of funds and they are ruining my credit.
Consumer complaint received 2022-07-26
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 — Investigation took more than 30 days
Company: Spring Oaks Capital, LLC (TX)

I have sent Spring Oak Capital LLC a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called XXXX and advise them that per 1006.34 ( b ) ( 5 ), Spring Oak has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.
Consumer complaint received 2022-07-13
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. (NM)

In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate 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
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Grant & Weber (CA)

Im being charged for bills that are unheard of and didnt use my social security number for anything ever I barley obtained and identification card for the first time in 2020 so theres no way they could of had proof of my identity
Consumer complaint received 2023-06-10
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2018-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OH)

I recently received notice of a new collection account on my credit report. Midwest Recovery Systems XXXX failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation, punishable up to a {$1000.00} fine. This is not okay. I received no communication from this company by phone, email or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I have filed a dispute with the credit bureaus about this company. I do not have any knowledge of this account. This account was reported to all 3 credit bureaus drastically and negatively affecting my credit. I did not receive anything notifying me of this debt nor did I have the opportunity to challenge the debt. All communication regarding this matter is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.  After further investigation it appears this has become a standard practice for this company ( per complaints filed with the XXXX ). The apparently have been no repercussions for these practices as they are yet ongoing. This is causing a hardship for me as I'm in the middle of a job change and relocation. Something needs to be done about this ... how can they continually violate the law?
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

On 2 occasions and most recently in XX/XX/XXXX I have disputed a public record entry of a XXXX  XXXX that does not belong to me with Experian. They are unable to provide me with any contact phone number or address. In XXXX they provided me with a phone number and it was not a valid phone number.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XX/XX/24 paid a deposit of {$450.00} through Zelle to my friend for a furniture deposit. 

Found out her XXXX account was hacked and the money did not go to her. Requested a refund and received a fake refund text. 

Filed a claim with my credit union and Zelle. Zelle has locked me out of my account and said I cant use their app anymore even though they said I may get the money back. 

Zelle claim # XXXX I have copies of of all communications to support my claim.
Consumer complaint received 2022-07-26
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: CORELOGIC INC (PA)

According to CoreLogic Credco/CoreLogic website : https : //www.corelogic.com/support/credco-consumer-assistance/ it states the following : " How can I obtain a copy of my Credco Consumer Report? 
If you would like to obtain a copy of your Credco consumer report, please contact Credcos consumer relations department indicating that you would like a copy of your consumer report. 

By calling us at : ( XXXX ) XXXX. Our customer service representatives are available Monday through Friday from XXXX to XXXX PST to assist you or By mail to : Credco Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please be sure to include your first, middle and last name, Social Security number, current address, date of birth and signature on your request. 

To safeguard your personal information, we will need to verify your identity. See How Credco Verifies Your Identify section below which outlines the necessary documents for us to process your request for a copy of your consumer report. '' However when I called the number and requested my report I was told that I could not get the report because they are a software company. The representative stated that she could look me up to see if they had any information on file. She was able to locate a report from 2014. I asked the representative if she could provide me with my report that CoreLogic had on file. She said she could not do that. She stated that if someone pulled my report they would get current credit information and not the information from 2014. I told her I would like to see what they have and make sure the information provided was correct. Again she told me this was not possible to get my report from you. The Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate and fraudulent financial information that can affect their ability to get a loan or rent an apartment. Under the act, furnishers of information to credit reporting agencies ( CRA ) are legally obligated to provide accurate information and to investigate and correct any disputed information. The Furnisher Rule also holds any furnisher of informationeven those who only occasionally report informationaccountable to certain standards.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MO)

Hi there, I initiated a money transfer through Western Union Money Transfer company on XX/XX/XXXX. They promised that the funds will be available into the receiver 's account within 5 business days. But, it was not available even today which is XX/XX/XXXX which is more than 2  months. I was even not able to get any information on the issue. The only information I can get is that there was a pending verification. This is the only information I can get from both my online account and even from the Western union customer care. I did all the procedures which they had suggested me. I was keeping n calling them from these 2 months as there was an urgent need of this money to my receiver ( my father in XXXX ) but none of them were able to solve the issue. I was kept on call being transferred from one department to other department. I literally spent atleast 40-60 hours on call and chat with them. But each time they kept considering the issue as new one. I didn't see any kind any progress on my issue. Finally, I was fed up and lost hope that the issue would be resolved. Hence, I'm filing this complaint. Hope, the department would take necessary action and help that my funds would be available to my receiver. Thank you.