davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (MN)

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 U.S.C. 1681. 

Company name : XXXX. Account number : XXXX Company name : XXXX XXXX XXXX. Account number : XXXX These companies have 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 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 items of information, other than records of convictions of crime which auntie XXXX the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied Collection Services, Inc. (Nevada) (NC)

Allied/ Nevada XXXX XXXX Inc dba XXXX XXXX put a garnishment/ hold on my bank account for XXXX, never stating the reasons, items/ service/ debt. It was never on my credit report. I was never served. My name is spelled wrong and the address is completely incorrect. When stated that the call was being recorded, the debt collector hung up. I do not owe any debt.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (TN)

Experians make customer try their services in order to check their credit report. I had a 30 day trial for free. After checking my report I emailed and called to cancel the trial. Today I was charged for the trial even though I requested for it to be cancelled. When I called Experian today they told me there was no membership under my name. I want to be refunded my XXXX
Consumer complaint received 2017-12-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

Hello I sent funds to 2 separate people using money gram because money gram can be tracked and returned if reported as fraud because identification is required. One was for XXXX dollars the other for XXXX on the Friday XXXX XXXX 2017 As well I sent XXXX through cash app which Garuntees safety and security of your funds. Im still dealing with them and hopefully they can resolve but want to make you aware ahead of time. moneygram will not cooperate in the return of funds yes they were picked up but you need identification to pick up I have partial info for sending of payment but they have full info to report to police which I need or they need to do. Thank you very much
Consumer complaint received 2020-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Equifax has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The account XXXX XXXX XXXX  XXXX is inaccurate and unverified, and I am requesting that it is deleted from my credit report immediately.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I reached out to I.C systems when this debt for XXXX dollars appeared on my credit report. I asked them to provide me when a signed original contract from XXXX and they have not responded. I disputed this through XXXX and nothing was done. I have not received the validity of this debt that I requested from the I.C systems Inc I requested.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company Transunion has fail to remove inquiries from my credit report after recent deletion occurred. I have submitted documents sent to Transunion via certified mail return receipt over 30 days ago. I have call this company in reference to this matter several times. The FCRA permissible purpose section, states that creditors must report the reason for file review of consumer credit report such as ; auto loan, credit card, line of credit, charge card, mortgage and etc. Aside from the following inquiries being re-inserted back on my credit report after deletion. The inquiries does not state the reason for file review. Therefore they have no just cause for remaining on my credit file.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

On XX/XX/2023 at XXXXXXXX XXXX EDT, I called CC Customer Service to make a payment. Spoke with XXXX, no Agent ID is provided. I requested fund allocation in a specific way because there is no option to allocate the funds as needed on the CC website available. I specified and confirmed several times before the end of the call that my request is understood and will be completed as requested. I was assured that the payment will be allocated as I requested. The confirmation number is XXXX. Today, I checked the transaction and found out that the funds are not allocated as I requested. I paid {$500.00} toward two promotional charges that will expire on XX/XX/2023 : {$59.00} and {$440.00}. However, today I see that {$59.00} is zeroed out as I requested but {$440.00} is not, and accrues interest for each day the charge is not paid. The funds went toward regular, non-promotional charges, which I did not ask to do so. My due date is the 21st of each month and I specifically asked not to apply payment toward monthly payment because I will make another payment prior to the due date. The agent assured me that the funds will be allocated as I am requesting 100 %.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

I am an XXXX service member. In either XX/XX/XXXX or XX/XX/XXXX I received a collection notice from Convergent Outsourcing, who 's address is somewhat confusing and seems to be in violation of the 3rd party notification in the FDCPA section 807 ( 14 ). Meaning the return address is from XXXX in XXXX, XXXX, yet an address for Convergent Outsourcing is also printed on the notice with a XXXX, XXXX address. The complaint I have is that the collection that they are trying to collect is fraudulent and was proven so by the State Attorney General ( SAG ) in XXXX XX/XX/XXXX. In my response to that first notice sent by Convergent, I told them that the claim by XXXX had been investigated XX/XX/XXXX along with many others by the State Attorney General in XXXX after I was contacted by Asst SAG XXXX XXXX ( XXXX XXXX, XXXX office ), after the SAG launched an investigation due to a news cast done by XXXX XXXX in XXXX, as many XXXX residents had complained about receiving collection entries on their credit report from XXXX for accounts they did n't have. XXXX XXXX contacted me personally because although I was unaware of the XXXX XXXX broadcast, I had just submitted a compliant to SAG concerning XXXX after learning when trying to purchased a home, XXXX had made XXXX collection entries to my credit reports that I had disputed but received no cooperation from XXXX. I also reminded Convergent that if I had owed such monies, efforts for me to pay these monies were well past the statue of limitations time. I also asked Convergent to verify this debt, and to remove any and all transactions concerning this fraudulent debt from my credit reports if they had made such entries. I have yet to receive any validation, which I did n't expect to as there is none. However, I did receive an additional collection " settlement in full '' offer letter from Convergent dated XX/XX/XXXX for {$410.00}. They totally have disregarded my communication with them concerning this proven fraudulent debt by still insisting I have it and asking me to pay it. I will forward this same complaint with the XXXX in the state of XXXX and XXXX ( got the XXXX address info from an attorney site- XXXX ) as it seems Convergent has many addresses that they use. As I stated above I 'm an XXXX service member and have been for past XXXX years of my life, and to be hounded by a USA company who seems to cater to unethical practices is well ... a crime and XXXX shame!
Consumer complaint received 2015-11-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (ID)

XX/XX/XXXX we purchased furniture from Ashley Furniture. The loan was with GE Capital, loan number XXXX.The payments were interest free for 3 years. The store salesman said to just set up a constant payment of XXXX and forget about it for three years. " What could be simpler '' .The payments were XXXX dollars a month. A few months into the loan they changed the payment to XXXX. I adjusted my payments. Then they changed the amount again, without my knowledge. I continued to pay XXXX but this became partial payments which allowed them to begin charging fees that grew and grew. When I discovered I would pay more than the payment and more than once a month trying to stop the growing of fees. I have n't been able to access the account because I have been without Internet. I am able to access the account now, the bank has changed from gogecapital.com. I searched my emails and found that they sent an email XX/XX/XXXX wanting XXXX, or they will charge off the account. I did not receive this email because I did not have access to the Internet.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-06-01
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. (GA)

XXXX XXXX/XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX  XXXX  XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX   XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/XXXX
Consumer complaint received 2016-01-12
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (FL)

My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This is regarding account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. 

I mailed XXXX, XXXX, and Equifax on XXXX XXXX about not accurately reporting my information and asked if they can correct all the misrepresentation of dates and information that is currently hurting my ability to put my family in a better position to buying a house and investing for future endeavors for my wife and kids. In the dispute letters I requested them to look into last verified, date of last activity, date reported, date open, balance owed, account status, payment status, last payments, and past due for XXXX dates XX/XX/2023, XX/XX/2023, and XX/XX/2023 XXXX dates XX/XX/2023, XX/XX/2023, and XX/XX/2023 Equifax dates XX/XX/2023 and XX/XX/2023. I also requested to change to On Time Paid as agreed. Equifax is the only credit bureau that responded with a correction of pay as agreed on XX/XX/2023 conformation # XXXX. After waiting 2 months I still found improper inaccuracies after a thorough research. Even after they stated my reports to be On Time Paid as Agreed. My credit history has always been in good standings and my credit report scores are as followed XXXX XXXX, XXXX XXXX, and Equifax XXXX. But due to these inaccuracies it is affecting my credit scores negatively. Please help me correct In accordance with the Fair Credit Reporting act XXXX account # XXXX, 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am currently facing the denial of my legal entitlement to access the information in my personal credit profile for the ninth time, as stipulated by the FAIR CREDIT REPORTING ACT. I insist on the immediate release of my personal credit report. Enclosed are official documents, including duplicates of my driver 's license, date of birth, and social security number, meeting the criteria for identity verification.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please REMOVE these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
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: Possible Financial Inc (MD)

I am writing concerning inaccurate negative reporting on my credit reports from Possible Finance. As of, XX/XX/XXXX, my XXXX and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the Possible APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with Possible Finance. I have email confirmations of my payment schedule and payoff dates from Possible Finance to confirm. I have attempted to dispute this inaccurate infomation with XXXX and XXXX, and I have contacted Possible Finance via email to resolve this issue. Possible Finance refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. XXXX needs to hold Possible accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.
Consumer complaint received 2020-06-01
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. (GA)

XXXX XXXX/XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX   XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/XXXX
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 'm a victim of identity theft and someone took my information and try opening up lots of accounts in my name. XXXX XXXX XXXX I have XXXX account with XXXX XXXX that I apply for on XXXX/XXXX/XXXX and I still have that account, next there 's XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I never apply for any account with this company.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

The information has not been updated on my account. My account says that I have a balance of XXXX dollars owed to XXXX on XXXX XXXX XXXX but I have a paper that shows that my balance owed to them is XXXX. My bill has been paid but yet it has not been showed as paid on your balances on my report.
Consumer complaint received 2020-10-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Consumer complaint received 2016-01-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

My online account access with American Education Services ( AES ) was blocked due to XXXX returned payments within 12months. It was recommended to me to set up an automatic bill payment through my bank, but I could not do that until my account/loans were paid up-to-date. I was told I could not make a payment over the phone for that payment because my account was not up-to-date, so I needed to mail a payment in, but that I could make payments over the phone after the initial mail-in payment bringing the account current. I mailed in the payment and planned on paying over the phone the next month, as I was told I could do. The following month, I called to pay over the phone and was again told I had to pay by mail, even though I was advised I could start making telephone payments. The payment was then late because they refused to accept a payment over the phone.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

cr card was lost, capt one try to tx to my # to verify, unable to rec tx. Need replacement walmrk card, and bk copies of statement from XXXX-to current, had returns need to see if they were cr.
Consumer complaint received 2018-03-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I contacted CashNet USA to request a 60-day Grace Period Deferment on XX/XX/XXXX. Was notified that I should respond to an email regarding the proper procedures and to have all requirements documents submitted by XX/XX/XXXX. I faxed in my signed agreement and forwarded an email ( 4 separate times on XX/XX/XXXX and 2 more time on XX/XX/XXXX ) from the credit reporting agency to CashNet USA onXX/XX/XXXX. Despite having submitted my forms by their due date, CashNet submitted my loan repayment in XX/XX/XXXX causing my checking account to reflect a negative balance, including overdraft fees. I contacted CashNet on XX/XX/XXXX and was given various reasons as to why the repayment was submitted then was told I will be contacted within 24 hours after reviewing the recorded conversation with the representative from XX/XX/XXXX. No one reached out to me in any way. I called CashNet again on XX/XX/XXXX to follow up with them. After being placed on hold several times, I was informed that the repayment was already submitted to my bank and there was nothing they could do. This was after they found that my deferment should have been granted.