davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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)

I have reached out to XXXX, XXXX, and XXXX XXXX numerous time. The dispute from XX/XX/XXXX is still open. I am only allowed to add supporting documents to the open dispute. Equifax has updated my late payment for XXXX XXXX account. However, XXXX, XXXX, and XXXX XXXX has not made any changes. I have sent in the forgiveness letter including supporting documentations. I have inform XXXX, XXXX, and XXXX XXXX. 

According to 15 USC 1681s-2 ( f ), during the covered period, which encompasses the time frame directly affected by the Covid-19 pandemic, furnishers of information are required to make accommodations regarding the reporting of late payments. These accommodations are intended to provide leniency and flexibility to individuals facing financial difficulties resulting from the pandemic. 

Covid 19 was declared on XX/XX/XXXX. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. Therefore, this clause is still applicable until XX/XX/XXXX. 

In section ( bb ) under covered period, 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

After calling and calling and sending in letters to accommodate my situation under the Covid 19 covered period. XXXX, XXXX, and XXXX XXXX have yet to remove the Late payment for XX/XX/XXXX. These are not following the law. 

I kindly request that you investigate this matter and ensure that the reporting of late payment ( s ) during the covered period on my account is accurate and in compliance with the accommodations outlined in 15 USC 1681s-2 ( f ). I request that you contact the creditor, XXXX XXXX, and initiate an investigation into the reported late payment ( s ) during the covered period. XXXX XXXX  have verbally stated they will not forgive my late payment under the covered period. This is against the law.
Consumer complaint received 2020-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: VIAMERICAS CORPORATION (CA)

I have initiated the transfer of USD 2000 to my XXXX account XXXX on XXXX using vianexfast remit service ( https : //www.vianexfastremit.com ). They promised me to deliver the money on XXXX. But I have not received the money yet. I called customer support number XXXX, They re-initiated the transaction and told me that the money will be transferred to my account in 24 hours. But still i have not received the amount.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (IL)

Hello XX/XX/23 I noticed a car loan taken out under my name which appeared on my credit report. Which damaged my XXXX XXXX significantly. I had called the credit card company XXXX on XX/XX/23. They had told me an individual named XXXX XXXX had taken out the loan which I have no idea who that is. The company Ally financial which is the company that the car loan was taken out of. is located in XXXX, Michigan. I have never been there or plan on going there. I am in no position to be taking a XXXX car loan.
Consumer complaint received 2023-07-19
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: Tower Loan of Mississippi, Inc. (MO)

In XXXX of 2023, I had my cell phone stolen, while in XXXX, Ohio. My check card was stored in my XXXX XXXX  and was compromised. My loan payment that was made to The Tower Loan was returned, due to the fraud on my checking account. I have enclosed a copy of the police report from the XXXX police department. I did speak with the Manager XXXX on Monday, XXXX XXXX at approximately XXXX, and he told me to pay XXXX dollars on the account and the late payment would be removed from my credit. I am giving the loan company 30 days to remove the late payment, or I am moving forward with bankruptcy. I am not going to held responsible for the negligence of someone else or have to wait 2 years to buy another house.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America agreed to make a settlement on my account for 60 %. After my payments I received a letter stating the settlement was satisfied, paid in full. My online account for the company was taken down. Today I received a letter stating that the settlement is void because the payments were made as agreed on. I never once received a letter stating my account was opened again.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (OH)

A collection under the name Online Information Services appeared on my credit report as collecting for XXXX XXXX. I never received any notices detailing that I owed XXXX XXXX any money. I disputed with XXXX and they returned a notice claiming they received verification of the debt. There is a note on the acct that also states repayment is managed by court trustee. I have no clue what they are talking about and would like this removed off of my credit report. I have attached the dispute result that I've received.
Consumer complaint received 2023-08-01
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. (OH)

This is the second time the items below displayed an aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties XXXX, Trans Union, XXXX that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I risk being in default of my private student loan with Navient and they will not adjust the payment to relieve me of undue hardship. My current interest only private student loan repayment loan has expired and I can not pay the new monthly amount that Navient requests. I have no more discretionary income to pay them. I have reported to Navient that I will default if they do not adjust the payment terms. Navient 's solution was to adjust the interest rate which still leaves me with a monthly payment that exceeds my monthly descretionary income amount. On XXXX/XXXX/16 account manager at Navient, XXXX, reported to me that she did n't care if I default because it is my loan. On a previous call with XXXX, she told me the account manager would help me refinance the loan with another provider, but XXXX refused to assist me with that option and said it had nothing to do with their company. Hopefully, the CFPB can help me adjust the terms of the loan with a reduced rate that does not cause undue economic hardship.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-08-20
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. (NC)

Between the dates of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times to have the closed XXXX XXXX account deleted due to XXXX XXXX  not following METRO 2 COMPLIANCE Account has been paid but XXXX XXXX  refuses to do a pay for deletion
Consumer complaint received 2023-08-20
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
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: Westlake Services, LLC (NJ)

I paid off my vehcie on XXXX XX/XX/2020 ( as verifed on my online account information ). I never heard back or received my title. I called to inquire and was told that it was " released to a third party '' on XXXX XXXX As of XXXX XXXX, I have yet to recieve my title. I have called several times and each time I am : put on hold for over an hour, hung up on, shuffled around between departments, lied to, and was treated very rudely. I paid of my vehicle in good faith and now I have no recourse to get the title to which I am legaly entitled.
Consumer complaint received 2023-08-20
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)

Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE. 
To Whom it may concern : According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACT clearly states that one only has a permissible purpose for obtaining a credit report under S 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  lam requesting Immediately deletion of the above inquires.
Consumer complaint received 2021-10-18
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. (FL)

The following information are inaccurate on my credit report. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. {$7200.00} - DOES NOT BELONG TO ME XXXX OPEN XX/XX/XXXX XXXX. {$500.00} -DOES NOT BELONG TO ME XXXX XXXX XXXX  OPEN XX/XX/XXXX {$380.00} -DOES NOT BELONG TO ME XXXX XXXX  OPEN XXXX NOT BELONG TO ME XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX {$660.00} -DOES NOT BELONG TO ME XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX. {$600.00} -DOES NOT BELONG TO ME The follow names and address are inaccurate on my credit report. 
XXXX XXXX -NOT MY NAME XXXX XXXX-NOT MY NAME XXXX XXXX XXXX XXXX # XXXX - ADDRESS DOES NOT BELONG TO ME XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX, FL XXXX
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been violating 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 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 2018-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/2018, i sent money to my family in XXXX. This was through western union. The transfer said it was going to be available in 30 minutes. It took about 5 days to show up. When the money was taken out of my account the following morning. Then I called several times to track my transaction and the operators kept on telling me my account was locked for my safety. I kid you not, I called about 6 times and I kept on getting told the same thing even when I spoke to the supervisor XXXX. This so called supervisor said he was going to call me back with answers. He never did. Now I just want to cancel everything and get my money back. I will never use western union again!! I do not recommend. I also disputed he transaction with my bank because western union cant access my transaction because its locked. Red flags from the beginning. Shut western union down.
Consumer complaint received 2020-07-23
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. (NC)

A collection agency named XXXX recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. XXXX never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  ; XXXX and Transunion are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of excellent payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.
Consumer complaint received 2018-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rocket Mortgage, LLC (WV)

Quicken loans XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.
Consumer complaint received 2017-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I had financed with fifth third bank with amount of {$16000.00} for  XXXX   XXXX   XXXX . This financing on  XXXX   XXXX .  XXXX  monthly  XXXX  with late fees it would be {$320.00}. I found the loan was  XXXX .!!!!!!!  Want  more explain for this intersting. When I counted my payment it 's above {$1500.00} roughly. Paid off {$7000.00} with late charge {$340.00} and {$350.00} with last month of paid off before  XXXX   XXXX . I talked with them and how to calculate this payments they did n't explained or cerified my right. This financial institution I am not trust their process of this loan payment since I was starting my loan.