davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I bought a XXXX XXXX from the company in XXXX of this year. Last month, I begin having issues with the vehicle so I took it back to the company to see what I needed to do. After being given number after number to call and those people giving me different numbers to call, I just asked if I could trade the vehicle back in. They told me yes. I never picked out a vehicle, nor test drove a vehicle. I sat in the lobby almost all day because I was under the impression that the bank ( XXXX ) didnt want to buy the XXXX back because I had only had it a few months. I ended up having to pay out of pocket to get the truck towed and fixed because the insurance that comes with the vehicle doesnt cover it until after its been diagnosed. Fast forward to XX/XX/XXXX, I receive an envelope from XXXX XXXX stating that I was denied for a loan for a 2020 XXXX XXXX. I never gave the consent nor the ok on a vehicle. I have XXXX children and two car seats, its hard to fit them inside of the XXXX, so I wouldnt go for something even smaller than what I already have. Now Im wondering how many different companies did they use on XX/XX/2020 to try to finance a vehicle I never asked for!
Consumer complaint received 2018-03-28
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: Experian Information Solutions Inc. (MI)

I had been disputing a charge on my credit report with experian every chance it would let me because the account from the start just hasn't been handled properly. XXXX ( fair credit and outsourcing ) put a debt on my credit that they gave me no chance to dispute before they did. And I have proof of that. I finally got them taken off after experian investigation and waiting the 30 days. I was thrilled to see it come off and my credit went up like it should have been this whole time without them on it. XXXX days later I get an alert that they " found '' more information and put it back on. 30 days is the allotted legal time. There should not have been any more time to look into it and shouldn't for sure went back on to my credit report from anything else that was found because the 30 days was given and it was deleted.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

The XXXX XXXX account on my Equifax report was listed as " Under Investigation from a previous dispute '' for over 90 days. I called and spoke to an agent who opened an investigation as to why it was listed as under investigation when it wasn't. This was on XX/XX/XXXX. 

The results of this " dispute '' were provided on XX/XX/2020. The XXXX XXXX account is still listed as open online, the available credit is listed as {$4100.00}, there is no date of last activity listed, and while it states there were late payments, no payment history is provided. 

This should be removed from my report due to inaccurate information reported repeatedly. The account was also listed as Under investigation from a previous dispute for 90 days prior to my XX/XX/XXXX call ( in addition to that investigation that took 21 days, totaling 111 days ).
Consumer complaint received 2020-07-22
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-10-06
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiries have violated my rights.

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

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

This 3rd party debt collector ( AFNI, Inc. ) keeps harasing me with collection letter on an alleged unpaid debt with XXXX XXXX XXXX. I have reported this company in the recent past for the same collection letter except this time they are attempting to collect a " discounted '' amount. This is pure harassment. I never had an XXXX XXXX XXXX account in my life. My identity was a victim of theft from a breach from XXXX account and was reported approximately 2 years ago. This needs to stop. This company has recenlty filed with XXXX and is trying to ruin my excellent credit status. Luckily, XXXX took it of my account as they realized it was an a fraudulent claim.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a text from BofA asking if I sent XXXX XXXX {$3400.00}. I immediately replied " NO '' and I received a call from BofA. I was at work, so I really didn't think twice. They acted just like a rep, and they asked me for my social, username and password. I did as they asked bc I really did believe they were a rep. They assured me they were freezing my account and the funds will be returned and they will call me the next day. The next day came, and they called me again, they needed to get my information again in order to finish the process and that is when I noticed another {$3400.00} withdrawn after the call was over. I called back the number they called me on, and the number directed me to BofA and it was a legit rep. The rep did not see any calls or notes made with me and they said I was scammed. I have been following up with Bank of America as much as I possibly can. They take no less than 1 hour and half to answer everytime. On XX/XX/22 I received a letter saying they will not approve my claim. I called them waited almost 3 hours and they said they are still waiting on " XXXX XXXX  '' to see if they can reverse the unauthorized XXXX transaction. The rep said Bank of America will not be able to give me my money unless XXXX XXXX returns it and that may not happen. Before this incident I was not aware of this type of scam it was after I started receiving emails of " scam preventions. '' The scammer got access to my banking, went in and made two XXXX transactions totaling {$6900.00}. The recipient used my last contact 's phone number to make the account connect to XXXX, using XXXX XXXX  so it looks like I made the transaction to him, I DIDNT! The name on the account shows XXXX XXXX. I called XXXX XXXX to see how is this possible and they did assure me if someone has an ID, Social, ect they can create an account online. I do not understand how banks can't insure someone's hard earned money! I work overtime and save just so someone can come through and steal that from me. There is no way I can lose {$6900.00} just like that... Please help!
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2017-08-03
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. (GA)

I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted disputes to the 3 bureaus ( Equifax, XXXX and XXXX ) on XX/XX/2021. 

I have received no updates regarding the inaccuracies on my credit report from Equifax, XXXX and no updated information from XXXX in regards to my personal information being incorrect.
Consumer complaint received 2020-05-06
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-03-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.
Consumer complaint received 2020-05-06
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. (NJ)

XXXX XXXX has 2 loans on my credit thats not mines, XXXX  XXXX XXXX has a closed account on my account thats not mines, XXXX  is reporting false information I have XXXX and XXXX  its hard for me. Ive been ill for over a year with other complications. I cant deal with people using my credit and the banks keep reporting it.I have several inquiries thats not mines. i filed a ftc report. Please help
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (VA)

Account Name : Flagship Credit Accept XXXX I was marked 30 days late on my credit report. I am XXXX XXXX Veteran currently living in a hotel in Virginia awaiting my purchase loan transaction to be approved. I was informed by my mortgage professional about this late payment and on XX/XX/2020 i called Flagship and explained my situaton and they told me that i was 66 days late and since i did not receive the paperwork package for relief under the CARES act that they would not help me and apparantly these lates are hindering me form getting this loan I brought the account current. I feel like im being taken advantage of. I thought the CARES act was set up for people like me who NEED help under this pandemic. All i am askins is to have the late or lates from 2020 removed from this account. Can you please help me and my family not become homeless
Consumer complaint received 2017-09-14
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. (UT)

I 'm logging my official complaint with the CFPB regarding the Equifax data breach and their handling of it i.e. delay in notifying consumers and/or the proper authorities about the leak, improper/ineffective response to the leak in supporting consumers affected by the leak, and an outright disregard of the consumers they 're expected to protect. 

At present, I have no way of knowing how my information has been compromised in the slightest degree. I am faced with preemptively securing my identity and my credit from improper usage. This has taken hours of my time so far and will continue to require untold hours to resolve.
Consumer complaint received 2017-08-03
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: Resurgent Capital Services L.P. (CA)

XXXX XXXX has placed information on my credit report without sending me a dunning notice or validating the alleged debt when requested. I have sent two letters via XXXX with signature confirmation ( Tracking : XXXX & XXXX ) indicating that no communication what-so-ever was received from XXXX before the unvalidated information was placed on my reports. XXXX does not respond, nor have they corrected my credit report. Please note : From XXXX The management of purchased assets is outsourced to a third-party specializing in the management of these types of consumer assets, Resurgent Capital Services LP ( Resurgent ). Resurgent is a manager and servicer of domestic and international consumer debt portfolios for credit grantors and debt buyers, including XXXX, and performs these services on their behalf. Resurgent, a licensed debt collector, may perform these activities directly, or in most cases, will outsource the recovery activities to other, independent, specialized, licensed collection agencies.
This is why the complaint is addressed to Resurgent Capital Services LP.
Consumer complaint received 2017-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I sent a registered letter to XXXX XXXX XXXX regarding account # XXXX about their reporting of this account with all 3 credit reporting agencies. My complaint was their reporting a late payments some 8 times. I requested validation that this was even my account by proving my signature and while this was going on to list this as disputed. This account was also listed as the credit line was closed by the grantor. 

I sent a second letter on XX/XX/XXXX giving them an additional 30 days to provide this information and informing the credit bureaus that this is disputed. 

Since they have refused to provide proof that this debt is/was mine they are defaming me and my name, lowering my credit score which requires me to pay much higher interest for any future loans and the inability to refinance my home.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NJ)

Between XXXX and early part of XX/XX/2022, i noticed that my debit card had multiple unauthorized charges that summed up to {$2400.00}. I immediately called my bank XXXXBNY Mellon and reported the issue. My old debit was closed and a new one issued. I was told an investigation will take place and i should get the unauthorized funds returned to my account. However, i was shocked when i checked my mail around XX/XX/2022 and received a letter from Card Services at my bank notifying me they closed the investigation because they had called me once and were unable to get hold of me ( yes one time ). I was told to call the number on the letter ( XXXX x XXXX ) if i had any issues regarding the letter. I have called that number atleast 40 times in the last month and left messages and no one ever returns my calls. I then called card services at my bank to notify them of the situation and i was told to write an appeal and fax it to XXXX. I wrote an appeals letter and faxed it 9 times on different occasions and never heard back from my bank. I then called card services to notify them that it's been 2 months since i filed a dispute and they have been ignoring me. I have spoken to several managers at the call center and they keep ignoring my plea and appeal. The only response they give me is for me to wait and some one will call me one day. It has BEEN OVER 2 months and i feel robbed by my bank. I need my money refunded with interest immediately. By the way i have a fidelity investments trading account and XXXX/BNY Mellon is the bank managing the checking account. WORST BANK EXPERIENCE EVER.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (IL)

I have called Navy Federal Credit Union several times beginning in XX/XX/XXXX I placed a dispute, and the dispute wasnt ruled in my favor because navy federal said it was too late due to policy. I called Navy Federal again XX/XX/XXXX of XXXX and I called again about the same complaint XX/XX/XXXX and asked to speak to upper management and yet no one comply to reopening the fraud dispute for illegal down payment and the also told them credit card authorization form was not signed by me
Consumer complaint received 2022-10-06
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: ACIMA CREDIT, LLC (GA)

On XXXX XXXX I was a victim of identity theft, an account was opened with Acima Digital XXXX in the amount of {$4900.00}. I filed a police report and contacted the business to remove the fraudulent account. I also requested a contract and verification and the business failed to comply. According to section 605B of fair credit reporting they ( Akima ) is noncompliance.
Consumer complaint received 2020-07-22
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. (TX)

Two bureaus are reporting two accounts for XXXX XXXX on my credit file. I ONLY HAVE ONE. Equifax is reporting one with the correct balance of {$7000.00} and the other with the balance of {$12000.00}. My income tax refund was garnished in the amount of {$5400.00} to go towards the ONE account which brought it down to the {$7000.00} AGAIN there is and was ONLY ONE account. I have disputed this back in XXXX and even sent proof to Equifax but apparently someone did not read the information for which I have attached here too.