davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I sent dispute letters to XXXX, TransUnion, and XXXX  ; disputing inaccurate items on my credit report. I was told that due to Covid-19 the credit bureaus were given 45 days to respond to disputes ; so I waited until after 45 days. Today 's date is XX/XX/2021, which is more than 2 months after I sent my dispute letters, and I have still not heard back from any of the credit bureaus. To just ignore my letters is totally unacceptable! In accordance with the Fair Credit Reporting Act ; since these companies failed to prove the accuracy of these disputed items, they must be deleted immediately. I expect immediate action to be taken, as I take my credit very seriously, and want to stop the damage that these accuracies have caused me. I have attached the letters I sent on XX/XX/2021 for reference.
Consumer complaint received 2018-07-29
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. (MO)

CFPB, Please accept this complaint as a formal notice that Equifax is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Equifax received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Equifax with documentation supporting my dispute ( attachment B ). This account should have NO negative payment history, and it appears this information has been updated correctly, however, Equifax is still reporting a payment status of at least 120 days or more than 4 payments past due, and this is inaccurate since all payment history is reflecting paid on time and as agreed ( attachment D ). The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to TransUnion ( attachment C ).  Equifax is also reporting a high credit balance of {$2500.00}. This is inaccurate, as it is being reported to XXXX  as {$0.00}. Equifax is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.
Consumer complaint received 2020-07-15
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: EQUIFAX, INC. (GA)

continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # XXXX
Consumer complaint received 2018-10-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northeast Recovery Solutions, LLC (NM)

A representative from Northeast Resolutions has repeatedly called myself and my family members. They ask my family members to call XXXX and say that this is an urgent message - during the call, they intimidate my family members, use incorrect information, and have called my family members multiple times over the past few days. The representative has called me numerous times and left intimidating messages threatening to come to my home.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (FL)

To : XXXX XXXX Subject : Account Status Message ID:XXXX Hello. I received a credit alert today. It showed that I had an increase in usage and a decrease in available credit on my XXXX XXXX account. It showed that my XXXX limit was decreased from {$1000.00} to {$750.00}. I would like to know why my limit was decreased, since there haven't been any issues with my account? I am building a new home and this action by XXXX has drastically reduced my score which is going to hold up my mortgage financing since this action has dropped me below the score guidelines for approval of my mortgage loan.
Consumer complaint received 2018-07-29
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. (FL)

This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit Card Account Status Account is still delinquent status Capital One Auto Finance is Joint contractual liability I have asked to be deleted from this contract they have not done it yes. XXXX XXXX XXXX XXXX disputes after resolution auto. XXXX XXXX XXXX open account still payments are being made by financial counseling program still showing delinquent. XXXX XXXX XXXX is showing open debt was closed The have put this account into collection original XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this account was discharged in bankruptcy XX/XX/XXXX Consumer disputes after resolution re-affirmation of debt. Capital One Credit Card delinquencies Capital One Auto Finance account was delinquent 90 days account was in dispute now resolved reported by provider account was paid off XX/XX/XXXX needs to be deleted Credit Bureau dispute.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (WA)

I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - Equifax - XXXX, XXXX XXXX, XXXX  XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
Consumer complaint received 2019-10-22
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. (CA)

I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.
Consumer complaint received 2022-10-15
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: SYNCHRONY FINANCIAL (MA)

I had a rewards credit card with a limit of {$200.00} from TJX. I was late on one payment and since it wasnt much of a credit line I decided to pay off the card and close account. Theyre reporting a late payment on my credit even when I closed the account.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

equifax has somehow blocked anyone from being able to pull my credit report when or if i need to apply for anything. I discovered it when i recently applied for a secured card with XXXX and i was given a message that there was a freeze and they were not able to pull my credit report. I contacted equifax and the automated system verified me and then said that it could not remove the freeze so i requested an agent and the agent said that there was no freeze but creditors are being blocked from pulling my credit. she said there was a fraud alert which i requested because my amended tax return with all of my kids and my personal sensitive information was stolen through the us postal system while in transit to the IRS. I provided the police report. the fraud alert of suppose to alert creditor to verify and thoroughly check out and make sure they have the correct person ; not block my credit altogether so that even i can not utilize my own credit. She stated that an indicator ( whatever that is was placed ) and that she was removing it but why would things be placed to keep me out of my own credit. I want any freeze they currently have on my credit report or whatever it is that equifax is using to block my credit to be removed and not replaced unless I request it and not whoever they are allowing do to whatever they want to my records.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion customer service would not help and take care of the negative inquiries reporting to My credit report, please find the list : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Thank you
Consumer complaint received 2018-07-29
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: Optimum Outcomes, Inc. (FL)

I am filing this complaint because Optimum Outcome has ignored my request to provide me with the documents that their company has on file that was used to validate the account I disputed.I have sent a debt validation letter to Optimum Outcome and have yet to receive a response in regards to " my '' so called debt that was sent Certified mail and i have proof showing that it was received. I actually did received a response for a completely different person/account that does not even live at my location. Being that they have gone past the 30 day mark and can not validate these accounts, they are required to promptly delete all information which can not be validated. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

OnXX/XX/XXXX the bank contacted me because of suspicious activity on my debit card. On XX/XX/XXXX at XXXX, the case was filed, I was told money would be refund in 3-5 days. I contacted the bank on the 5th day and was told I would have the money the next morning. I then called on the 6ty day, no resolution. I went into the branch in the 7th day and spent 4 hours. Both the bank employees and I were given the run around on the phone. Finally, I was told by XXXX XXXX, a supervisor, well we haven't even gotten around to assigning the investigator yet so dont hold your breath for your money ''. In the meantime, I have contacted all the disputed charges amd confirmed that the names, addresses, and shipping info are nowhere near my own for any of the charges being disputed. Now we are in the 9th day, I keep getting the run around. I was just called by a XXXX XXXX in the client advocacy department only to continue getting the run around with no resolution. XXXX told me that it will now be another 15 days before I am even contacted to discuss the situation. I am a single mother and my daughter is literally without food because no one at this bank can give me accurate information or resolve the issue.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX XXXX XXXXcount # XXXX Bal : {$1300.00}
Consumer complaint received 2022-05-02
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. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2023-03-18
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)

n 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 this item has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

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

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 INQUIRY-XXXX INQUIRY DATE XX/XX/2023
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (FL)

i have found inquiries i dont recognize on my report and need them removedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I accepted a payday loan and I didnt pay it back on purpose, I wanted to allow it to go to collections. My intention was to work out a payment agreement that would allow me to get out from underneath the loan instead of a XXXX week loan paid in full with the next payday. Which I would be able to do without take another loan. XXXX killed me, as with a lot of people. I was desperate at the time and needed the help. 

Fast forward a few months. The loan place decided an amount and date which I will repay and just decided to randomly charge my checking account $ XXXX XX/XX/XXXX. 

I disputed the charge with my bank and flagged it for fraud. I got my money back but I am a collections agent. You cant just decide what and when to charge my account without so much as a conversation with me. Ive since closed the account. Now I am reporting it.
Consumer complaint received 2018-07-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Financial Group, Inc. (MD)

In XX/XX/2017 my car loan was purchased by Pinnacle Financial. My car has a fail switch so my original contract doesn't contain any late fee amounts. I noticed that this company had been charging me late fees. I questioned it but they ignored my questions. They also have admitted taking payments out of my account illegally. Most recently I made several inquiries to obtain a print out of all payments and late fees collected from the account on file. They have blatantly ignored my many requests. The representative that was managing my account had tried to send me a screenshot but I needed something more professional on company letter head for my mortgage lender. I believe that this company is fraudlently charging me. I would like them to supply proof of what I have paid to date as well as proof that they now hold my loan and how many payments I have left. I would also like a refund of the late charges.
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

In addition to a complaint already filed, # XXXX ... .we have noticed and retain proof of paying {$300.00} before the 30 day mark. The company has not accepted the payment and by XX/XX/2018 the payment has not been ACH debit from our account as it has for the last 16 months. We are paying the loan off with Prestige Financial and will record and track each step of this transaction. We would like them to respond as soon as possible with payoff instructions.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION (FL)

Suncoast and XXXX is knowingly violating several consumer laws! This is my final warning to delete inaccurate accounts! Remove inaccurate accounts Be compensated for emotional and mental stress from this company.Attached is correspondence letter from senior specialist at Suncoast denying/rejecting consumer right to certified verification method if you are allegedly verifying and updating experian? That alone is in violation of my consumer rights and again defamation of my character to report negative inaccurate things and deny my request clearly stated to investigate inaccuracies and deleted per FCRA laws! Being that my request wasnt clear the last several times!! You also stated my request was frivolous and irrelevant? How So?
Consumer complaint received 2023-04-07
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. (TX)

Account is reporting late payments during covid and while on deferment these are FCRA violations. Remove this late payment reporting in XX/XX/2020 on account XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-10-04
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. (AZ)

There is a Hard inquiry on Equifax from a company called XXXX. Have not applied for any type of credit for over a year and a half. Did not authorize nor consent to said inquiries of any type. Equifax does not even have correct data of my credit history! 
Have tried to contact them with zero return emails or phone calls. 
Equifax is a joke for a credit reporting agency and should be put out of Business.

Tired of the misreporting and lack of caring by said agency!

Reporting loans never had, balances never owed. 
Tell XXXX they have to stop random inquiries to this consumer before I go postal on them! 
XXXX has no right to my reports without consent and will be sued for harming and continuing to harm my credit with XXXX inquiries! No I am not Politically Correct. Plus want to no why these agencies have access to my Social Security Number in the First Place as SSN 's are not to be used for Identification except for the Federal Government?
Consumer complaint received 2023-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

XXXX  Loan # XXXX Last week I received this notice in the mail, See the attached Loss Draft Process Overview. 

Due to the way I have been Previously treated by this company, I would like to request verification that I DO NOT currently have an active Loss Draft and that there is no reported damage or current repairs to or effecting my property. 

Thank you XXXX XXXX XXXX