davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2900.00}
Consumer complaint received 2021-05-31
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. (CA)

XXXX, XXXX, and Equifax have each violated the FCRA section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] by failing to remove unauthorized and impermissible credit inquiries from my Consumer Credit Report. I did not give written permission nor consent to report the following credit inquiries ; XXXX XXXX, Equifax Mortgage Service, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. As a consumer these unauthorized and impermissible Inquiries MUST BE DELETED IMMEDIATELY Or I will seek monetary damages in small claims court in my city and state. impermissible credit report access is a breach of your privacy because A third party has gained access to my sensitive and confidential information without permission or a legally recognized purpose. The FCRA section XXXX Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] Clearly states ; ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (IA)

Transfer was started on XX/XX/XXXX with a completion date on XX/XX/XXXX. My money was taken out of my account on XX/XX/2022. The dashboard stated that they are verifying me, however no communication was sent to may email. I spoke to their agents on multiple occasions. They wouldn't tell me what else is needed and just said it was internal issue. The also encouraged me to cancel transfer. I did realize there was a change in the exchange rate to XXXX. The rate was locked in at XXXX per XXXX  however that dropped, so it was better for Wise to cancel my transaction so they could benefit from a better rate ( for them ). I attempted to contact them 3 times. Each time they refused to forward me to a supervisor. I want CFPB to review their unfair business practice.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo bank has lost the trust of the customers and consumers by taking advantage of the customers and consumers and wanted the past employees of Wells Fargo bank to participate in all of these illegal activities and was fired from Wells Fargo because these past bankers told the truth about how Wells Fargo bank illegal activities that was going at Wells Fargo bank. Wells Fargo was sued many of times for discrimination and opening up fake accounts with out the customers and consumers consent and with out the authorization of those consumers and customers permission. And the customers and consumers thought that Wells Fargo bank would help us to become financially stable. And surely this is not the case instead of helping us to become financially stable instead Wells Fargo bank opened up XXXX XXXX accounts with out the authorization and consumers and customers consent. And has failed to make not only myself or the other customers and consumers about all of hidden fees and closing accounts with out the authorization and customers and consumers permission. And taken advantage of all of us who has trusted Wells Fargo bank to help us become financially stable. And has taken advantage of those XXXX and XXXX community. And the reason why I have tried to make Wells Fargo bank aware of these things that are going on with Wells Fargo bank. This bank in which this is supposed to be a professional institution and it's obvious that it's not. And had bragged about cross selling. This is a sorry excuse for a professional institution and taken advantage of the customers and consumers.
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc (GA)

My Venmo account was frozen, not useable for credit or debit transactions, in XX/XX/2021. Initially Venmo could not provide a reason for the freeze but after about 4-weeks identified the problem transaction, which ended up being unauthorized and was refunded back to the originating institution, yet for some inexplicable reason my account remains frozen despite my repeated requests for Venmo to thaw my account, which is now partially frozen but in a discriminatory manner, accepting a credit transaction for {$100.00} on XX/XX/2021 no problem, but still un-useable for debit transactions as of today, XX/XX/2021.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TX)

I thought entered into a consumer credit transaction with Comerica a few years ago. However, it seems I was deceptively lured into a consumer credit transaction with XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter over three week ago. I am yet to receive a response back about this correspondence. XXXX XXXX XXXX took monthly cash payments for a credit card I used for consumer credit transactions which included finance charges. I am curious to understand why they would do this? Attached is my debt validation letter that was sent and received/ signed for at that specific address/location.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I opened a dispute with Experian because it showed my XXXX XXXXXXXX account as still being open. It was discharged through bankruptcy in XX/XX/2020. Now they added in that it has been in collections all the way up to present day. I have worked very hard to repair my credit and now they have a new collections that dropped my score immediately and we are trying to buy a new car. They refuse to accept a new dispute to correct this.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (GA)

Ally closed my account without notice after I disputed XXXX fraudulent transactions. They sent XXXX dispute form which I returned with an error. For several months and with over XXXX phone calls I asked to resend the form so I could correct the problem and resubmit. As Ally never resent. They claimed they did but have no proof. Now they say the deadline has been missed. They Refuse to review call logs. They Refuse to honor dispute. They Refuse to send the form. They Refuse to explain why they closed the account. They Refuse to credit the account. As a result currently I'm out of nearly {$6000.00}. This appears to be a fraudulent banking practice. I need my money returned to me.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a Chapter XXXX bankruptcy petition in XXXX 2013. Per federal laws, the public record can only remain on the credit report for 7 years from the filing date of the petition. I have disputed the public record to no avail. I then tried disputing via telephone and the agent argued and would not accept my dispute request because she said they would not remove it. I have now been affected adversely in many regards and the public record.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT WORLD SERVICES, INC. (MO)

After pulling a copy of my credit report I noticed this company reporting inaccurate unproven information on my credit report in which I have requested for a compliance check with the credit bureaus in which they have ignored.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern : I received a copy of my credit report and please remove any errors of my report. 
I am unaware of negative accounts on my report. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Thank you for your time and help in this matter. 

I have requested copies numerous times and have not receive anything in my mail. Please be advised if I do not receive anything I will move forward with suing. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I had a mortgage company pull my credit report. XXXX reports I owe XXXX dollars for my next payment. the balance is reported as being XXXX dollars. The statement reflects that I have a XXXX dollar credit limit, and XXXX dollars available.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KS)

EQUIFAX Credit Reporting company does NOT allow me to file a Mortgage Dispute on their online system because they are Not reporting TWO different mortgages. And Equifax has no email contact information to correspond and their phone operators from some other country were of no help or can not understand them. 

In order to file a Dispute there has to be an Account Type that shows up on their dispute page. Since Equifax does not show Two of my mortgage accounts that I have in good standing their online system will Not allow me to Click a Dispute hyperlink. Therefore, Equifax is reporting a Low overall Credit Score by not allowing me to Dispute missing information. It is best to have Equifax have a customer service representative from the USA contact me to resolve this issue.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing XXXX XXXX acct # XXXX. This account is saying, opened XX/XX/XXXX and closed XX/XX/XXXX. This account was disputed several times within the past 2 years. Now it's well over 7yrs old from the first delinquency date of XX/XX/XXXX. Also, XXXX energy was NEVER able to provide me any information pertaining to having this account on my credit report. They could never provide the proper social, last name, correct address or any receipts that was paid by me. If they could not provide myself with the correct information. There is no way this should have ever been able to be on my credit report ruining me. Also, this account is past statue of limitations. While it is easier for Transunion to tell the consumer it was verified is beyond me when in reality it was not. Why? Because they could not properly verify anything to me, the consumer. Transunion fails to realize that credit is important to some of us which includes myself. I think it is unfair and illegal to tell a consumer an account has been properly verified when it actually was not. Especially when the company could not even verify correctly with the customer. This is AGAINST THE LAW and very shady!!! I work very hard and take care of my responsibility because I know credit is very Important. And to depend on the credit bureaus to do there job accurately just to see first hand that that is not being done is disappointing.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

portfolio recovery associates llc calls me everyday including at work when im in a meeting. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) ''any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is ''the term '' ''credit card '' means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' notice congress said ANY card. the credit card is my social security card. this is the credit card I used to originate every consumer credit transaction for portfolio recovery associates llc
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NY)

My credit score was ruined by Hyundai in this difficult for our family times. It was lowered by 200 points. It is affecting our family and we are unable to take loans.

I paid Huinday all the fees and returned the car back. There was an additional fee of {$400.00} dollars when I returned my vehicle that they didn't tell me about it, and I wasn't aware of. I never received a single letter about the new balance after I returned car because we moved to the new address.

I ask you to contact them because if I knew or received a letter from them, I would pay my balance. Now our credit score is ruined. I have a XXXX  and my boyfriend lost his job because of COVID-19. I am head of the household. This is affecting us. 

thank you very much. 

Here is the confirmation of my final payment of {$400.00} to Hyundai motor finance. I paid the remaining balance. 
Last Payment Confirmation : XXXX Hyundai account : XXXX Note : On XX/XX/2020, I spoke with Hyinay finance representative Mr. XXXX explaining the situation, and he said there is nothing that Hyinday is going to do to restore my credit. They are not even going to attempt to contact the credit agency to correct this matter. 

Also, please note, this was the time when I had my XXXX  and my XXXX  was in XXXX XXXX XXXX XXXX. That was another reason that this situation needs to be resolved. If I had received their letter and was aware of the bill, I would pay the balance. 
Now they ruined our credit history and even capable of hearing the reason why we didn't make the payment.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-02
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. (IN)

Called TransUnion to ask if inquires could be removed because I had not ask these companies to run my credit, nor had I tried to purchase vehicles or get accounts with these out of state companies. The guy I spoke to said " You dont need to do anything because it will be coming off your credit soon. Just wait '' but I want it off now! I dont know these people nor did I give them permission to run my credit and report falsely to the bureaus considering I have never signed any agreement or contract with these people. the only identifing info he would give is File # XXXX.
Consumer complaint received 2021-05-31
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. (TX)

I sent a complaint regarding some incorrect information to these companies on XX/XX/2021. I understand that these companies have 45-60 days to respond. It has been nearly 60 days with no response
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

I have sent a letter requesting a copy of my consumer reports. I have talked to representatives over the phone and currently still waiting to receive through mail. It has been over 2 months now.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent a letter requesting a copy of my consumer reports. I have talked to representatives over the phone and currently still waiting to receive through mail. It has been over 2 months now.
Consumer complaint received 2022-01-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.