davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2022-12-15
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. (CA)

I HAVE DISPUTED OVER A MONTH AGO THE ITEMS LISTED, CREDIT BUREAUS HAVE VIOLATED MY CONSUMER RIGHTS BY NOT RESPONDING NOR LET ME KNOW THEY RECIEVED MY DISPUTES WITHIN 30 DAYS
Consumer complaint received 2016-11-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (NC)

I have had a personal consumer loan with Avant finance for over a year. Monthly payments are {$260.00} per month and after 12 months only {$750.00} has been applied to the loan. The interest has been front loaded and if I carry the term of the loan, I will end up paying over {$8000.00} in interest. I am not sure if this is legal, but feels like I am being taken advantage of and predatory. Do n't mind paying the loan, I borrowed the money but more should be applied to the principal. Thank you
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

XXXX reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with XXXX  has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, XXXX  themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.
Consumer complaint received 2022-12-01
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)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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
Consumer complaint received 2021-07-21
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. (MN)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XX/XX/2024, CapitalOne charged me a late fee of XXXX {$25.00}. On XXXX XX/XX/2024, I phoned CapitalOne and spoke with their representatives. They informed me that they are aware of the ruling, and since there was " uncertainty '' of the effective date of the ruling, they will not be complying until legally required to. I then informed this agent of the 60-day from final posting effective date. The agent said they are not aware of this. I then asked if CapitalOne has any information on their side about the effective date. The agent refused to provide such information.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

Re : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 EQUIFAX MORTGAGE XXXX XXXX
Consumer complaint received 2022-12-15
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$27000.00}
Consumer complaint received 2019-07-16
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. (IA)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OR)

On Tuesday, XX/XX/19, we went to the US bank branch in XXXX, OR to open a new bank account and add 3 employees to a central credit card account. On XX/XX/19, we discovered that these accounts were opened as separate credit cards as opposed to sub cards of the central account. I immediately called US Bank to find out why this happened and to fix the problem. They told me that they could combine the cards back, but not until XXXX. They were not able to explain to me why this happened in the first place. The branch manager ( in XXXX ) was not able to find out why either. Today, XX/XX/19, the 3 employee cards would not work. When I called in to find out why, we were told that minimum payments needed to be made on the three cards and that it would take a day for those payments to post. This all stems from the main complaint that US Bank fraudulently opened these three cards as separate accounts instead of placing them in the central billing.
Consumer complaint received 2019-09-25
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. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX {$120.00} XXXX annual membership fee was paid by Chase visa card ending XXXX. 
XX/XX/XXXX {$120.00} XXXX annual membership fee was paid again by XXXX XXXX card ending XXXX due to the payment made on XX/XX/XXXX by the card ending XXXX could not be found. 
XX/XX/XXXX Filed dispute against Chase XXXX ending XXXX for {$120.00} made on XX/XX/XXXX. 
XX/XX/XXXX Dispute was denied stating that " Our latest review confirms the transaction is valid '' XX/XX/XXXX Visited XXXX Customer Service to get refund at {$120.00} for double payment but the claim was denied due to the transaction made on XX/XX/XXXX has not been posted in their system. 
XX/XX/XXXX Phoned Chase visa card customer service to appeal the previous decision of dispute but denied due to allowed time frame has been past.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (OH)

On XX/XX/XXXX, I mailed a check along with the completed Bill of Sale and Odometer Statement to VW Credit for the purchase of my XXXX XXXX XXXX at lease end. The check was received by them on XX/XX/XXXX, per USPS tracking. 

On XX/XX/XXXX, at XXXX XXXX I called to find out when I would get the title. I was on hold for over 20 minutes before a CSR answered. The women I spoke to said it would take 10 days ; 3 days to process the payment, 4 days to print the title, and 3 days to send it overnight ( which I sent a {$15.00} check to pay for ). I was on hold for over 25 minutes On XX/XX/XXXX, at XXXX XXXX  I called to get clarification on when the 10 day period started ( i.e. when they received the check on the XXXX, or when I called on the XXXX ). I was on hold for over 45 minutes before XXXX answered. She put me on hold for a few minutes and told me it would take 38 days to get the title. I said that was unacceptable and she said the title department was behind. I asked to speak to someone else and was transferred to Nialy ( sp? ). XXXX told me that she would expedite it since I had already been told it would take 10 days. She put me on hold and came back a couple of times to tell me she was working with a supervisor. We then got cut off and the line went dead. 

About 10 minutes later XXXX called and said that XXXX had a problem with her phone which is why we got cut off. He told me that I needed to upload the Bill of Sale and Odometer Statement and that I would then have the title in 7 days. I told him that I sent them with the check and that they should have them. He just said that they didn't have them. I immediately uploaded them via their website. 

On XX/XX/XXXX at XXXX XXXX I called to find out where the title was. I talked to XXXX and explained why I was calling. She transferred me to the purchase department and I spoke to XXXX. He told me there was a problem with the Odometer Statement I submitted and I needed to submit it again. I asked him how I was supposed to know there was a problem since no one had contacted me and he said that XXXX had tried to call me. I do not believe that anyone tried to call or contact me or if they did they didn't leave a message as I never received a call or message. XXXX told me that once I uploaded the Statement it would take 5 to 7 days to get the title. I logged onto their website and uploaded the new Odometer Statement. There was no message there telling me about the problem with the first statement substantiating the fact that no one ever tried to contact me. 

I believe that they intentionally lost or discarded the first bill of sale and failed to contact me regarding the incorrect odometer statement because they are behind. If the delays were not intentional then they are indicative of institutional incompetence and disregard for their customers.
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (TX)

on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2019-07-10
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 inaccurate information showing on my credit report that is negatively effecting my credit score and limiting my availability to new lines of credit. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX EQUIFAX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INQUIRIES - XXXX, Equifax, XXXX have hard inquires on my report that I do not recall ever doing. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - MISSING INFORMATION - Equifax shows no information for my accounts -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ADDITIONAL INFO - Remove all security freezes or fraud alerts from my credit report immediately
Consumer complaint received 2019-07-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX  in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX  " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.