davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (GA)

Ive been contacting Equifax for years about this XXXX XXXX XXXX  XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Equifax that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Equifax refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Equifax correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.
Consumer complaint received 2018-12-09
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: TD BANK US HOLDING COMPANY (CA)

I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX/XXXX XX/XX/2017
Consumer complaint received 2018-12-09
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: PENTAGON FEDERAL CREDIT UNION (CA)

I had my identity stolen and someone had tried to open new accounts and made hard inquiries under my name without my permission. 
XXXX XXXX XXXX XXXX XXXX Pentagon XX/XX/2018 XXXX XXXX XX/XX/2018
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm formally requesting the removal of disputed items from my consumer file as required by the FCRA. Despite multiple attempts to correct inaccuracies directly with the furnisher of information, including sending multiple letters, I've received no response. The FCRA mandates accurate, complete, and verifiable reporting. If no proof of debt exists and the information reported is not verifiable, it can not be furnished to consumer reporting agencies. I'm not asking for an investigation ; I request that the entry be updated or reflected as closed/never late, as there's no evidence of its validity. I expect prompt action in compliance with the FCRA. 
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 2022-06-13
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, No Account #, has 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 2018-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (SC)

Writing in regrads to a debt that was paid to National Credit Systems. on XX/XX/2018 i contacted National Credit Systems Inc and spoke with XXXX XXXX at XXXX a collection representative. we discussed a settlement offer and the payment, the debt was paid and received a letter via email that the debt was satisfied in full with National Credit Systems but yet as of XX/XX/18 my credit report has only been updated to reflect a balance owed of {$950.00}. attached to this complaint will be a letter stating that the debt is satisfied.
Consumer complaint received 2018-04-22
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)

XXXX placed a collection on my report by XXXX XXXX   XXXX and experian both deleted this on XX/XX/2017. XXXX came back and had XXXX XXXX to put the same thing and same amount on my credit report and as this time I have again asked to see and or know the method of verification and the description of the procedures used to determine the accuracy and completeness off the information was requested and they NEVER provided me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They also did not inform me in writing that the deleted item was going back on my credit with in five days of them putting it on as well.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (NY)

I am aware that according to article 9, the assignment of an Alleged defaulted debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with XXXX XXXX XXXX XXXX nor am I validating any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a bilateral contract nor a trilateral contract giving Transworld Systems Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems Inc. If Transworld Systems Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, a consumer, prior to furnishing this on my consumer report, this has/and will have been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2022-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (OH)

I applied for a loan through Avant and did the application and credit check. It said they are going to contact me later with rates and more information. I didnt hear from them for a couple days so I checked their website which I had to make a login during the application process. Their website said I had got the loan but I never sent any information or signed a agreement to the loan. So on Monday the money was deposited into my account and I called avant. The first representative couldnt hear me too well so I called back later after I got home. I told the lady I would of never agreed to those terms and never signed for the loan. She said they sent a email with a link to complete the loan agreement. I said I never got it and later checked my email and its sitting in the spam folder unread. She was very rude and would not provide me with a email showing these things she stated. Long story short I applied for a loan but would have never agreed to those terms and never gave them any documents or signed a promissory loan agreement.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX* has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized inquiries. 

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. 

I did not perform or authorize these inquiries.
Consumer complaint received 2022-06-13
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. (TN)

In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized inquiries. 

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. 

I did not perform or authorize these inquiries.
Consumer complaint received 2019-11-18
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. (CA)

I paid off my loan in XX/XX/2017, XXXX XXXX showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. XXXX XXXX   reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling XXXX XXXX numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX  but not XXXX  or Equifax. Please help.
Consumer complaint received 2018-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I am trying to order cell phones and the order keeps declining because of Equifax, and for sure the cell phone company cant give me any reason but is rfering me to equifax only. 

I called Equifax several time to find out what was the issue, obviously some date mixup on their end for my date of birth. As they explained me on the phone two weks ago, Isend Social Security card and Drivers license to them per fax to get that fixed. I called today and they are telling me now again to do so, even they received it ( but cant tell me whats wrong -> the system says ... blablabla ). 

This doesnt make sense and I dont come forward, still cant order the phones despite excellent credit score, they can not tell me what to do and I am stuck -> horrible company with horrible customer service, very different statements depending on whom you speak with and the so called " supervisors '' seems to help even less than other " normal '' employees. 

I would in insist in my right to know whats going on with my credit report, especially if they put it locked without my knowledge ( as it seems )!
Consumer complaint received 2022-11-30
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. (CA)

I AM A VICTIM OF IDENTITY THEFT. MY WIFES FRIEND LIVED WITH US WHEN SHE FELL ON HARD TIMES YEARS AGO. SHE WENT OUT OF TOWN FOR XXXX  ONE YEAR AND LEFT HER IN OUR HOME. WHEN WE RETURNED BACK HOME SHE TOOK THE SHOE BOX THAT HAD OF OUR IMPORTANT DOCUMENTS IN THEM AS WELL AS MY SONS XXXX. HER NAME IS XXXX XXXX. BELOW I HAVE LISTED THE FRAUDULENT INFORMATION IN MY FILE THAT NEEDS TO BE REMOVED AND BLOCKED FROM MY CONSUMER REPORT IN 4 DAYS.



FRAUDULENT ACCOUNTS: 

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 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 2020-12-14
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. (FL)

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2019-03-22
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: ID Analytics, Inc. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX Consumer Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax # XXXX Request for Consumer Report/Dispute Dear XXXX XXXX Consumer Services : I received my XXXX credit report and noticed your inquiry on XX/XX/XXXX by XXXX XXXX. I applied for a credit card on XX/XX/XXXX. 
I am writing to you because I would like a copy of my credit report required by law to check for accuracy. I understand you generate credit scores and other services. This is the first-time hearing of your company and services and would like more information about your company. 
You may contact me at XXXX at your earliest convenience to discuss the inquires XXXX XXXX XXXX conducted at XXXX. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-04-22
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 made several attempts to let a Equifax, consumer reporting bureau know that there are items on my credit repot that is not mine but yet they continue to report these inaccurate items on my report i.e. addresses and accounts.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (NH)

On XX/XX/XXXX I scheduled a {$200.00} payment to the XXXX XXXX XXXX1st BankcardXXXX back XXXX On XX/XX/XXXX they processed a payment for $ XXXX the total balance on the card. On XX/XX/XXXX the payment cleared my bank, and paid 1st Bankcard, draining my savings and creating overdraft charges and not having monies to pay my bills for the rest of the month. 
On XX/XX/XXXX I called 1st Bankcard to report their error and issue a refund. They said the payment was on an internal hold and to call my bank to have them stop the payment. I called my bank and they relayed the payment can not be stopped because it already has cleared and has been paid to 1st Bankcard. They suggested to call 1st Bankcard again so they can reversed the payment. 
I called 1st Bankcard again. No results, they stated the payment was on a hold, until XX/XX/XXXX and I would have to call back on XX/XX/XXXX to have the refund processed. Needles to say, this is not acceptable and I was extremely mad. I explained they had my money, it has cleared the bank. I also explained, they already are showing the credit/payment on my XXXX Statement. They refused to issue the refund in a timely manner, basically stealing my money for over 10 days. 

Then I started thinking and remembered this happening before, and wondering how the XXXX could I hit pay balance in full when I have to enter the amount to pay. Just not something that would happen, let alone twice. I started looking back at my statements from 1st Bankcard and to my horror- this happened exactly 1 year ago to the date. I'm thinking this is not a coincidence but a bad business practice of this company. On XX/XX/XXXX 1st Bankcard process a {$12000.00} payment instead of my scheduled {$240.00} payment. Again, I had to call to have the payment reversed and again they did not process the refund in a timely manner, they waited until XX/XX/XXXX to refund my money. 

Now, is it possible for me to make a mistake and click the wrong button when paying a bill, yes. But is it probable- not likely since the pay in full button is not near the enter a payment amount. It is also not probable to make a pay in full payment twice, exactly a year to the day. Even when speaking to my bank, the representative commented, " maybe they did what they wanted, I'm just saying '' Funny how a credit card company calls or texts you when you make a large purchase, but don't inquire when a large payment, that is not normal happens. Could that be because I really didn't authorize that payment- highly probable. 

Two issues, not refunding their payment processing error in a timely manner and this strangley happeing twice- exactly a year apart.
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (MD)

was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2018-04-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LendUp Loans LLC (KS)

I was a member of XXXX and I am still I was a customer of theirs I haven't paid them yet or lately due to health reasons but they never once reported me to the credit bureaus as promised to help raise my credit line and limit you never disclose that they told me that they would and it's never been done and then they kept hitting me with these every once every few months so I would like to either have them completely removed from my account and have my money returned to me that for false advertisement and I do see that 8th class action lawsuit was recently won back in 2016 for this very reason but I wasn't aware of it at that time either and I was using their service in 2016
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. XXXX  also is reporting this account open when this account has been closed since XX/XX/2017