davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (IL)

I opened an account with American first finance back in XX/XX/XXXX I was told on XX/XX/XXXX of XXXX that my last payment has been posted and that they would be reporting to the credit bureau that the account has been paid off it is now XX/XX/XXXX and it still showing as delinquent on my account I have contacted them several times and made multiple attempts to have them send me the original contract showing at the balance was paid off they have not met any of my demands and I am furious trying to deal with them
Consumer complaint received 2020-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a dispute to Transunion on XX/XX/2020, challenging the accuracy of a public record, USBK Court XXXX  Pennsylvania. I received a letter back around XX/XX/2020 stating that they verified the information. I sent another letter on XX/XX/XXXX and received the same response back stating again that they verified the info ac accurate with the court. They never marked on my report that I am disputing this account/record which is in violation of FCRA. Furthermore, I have proof that the court does not, in fact, verify public records. So they could not have verified as they claim.
Consumer complaint received 2024-02-17
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: EQUIFAX, INC. (TX)

I recently reviewed my consumer report and I noticed that there were 7 late payments and 3 late payments with XXXX XXXX XXXX, and 4 late payments with XXXX XXXXXXXX XXXX XXXXXXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.
Consumer complaint received 2024-02-17
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: EQUIFAX, INC. (GA)

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.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$460.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$75.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2024-02-02
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. (AL)

I was advised by TransUnion and XXXX rep to fill out this report because of unauthorized fraudulent inquiries on my report. Please remove all the unauthorized inquiries for my report. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I started a dispute regarding legal first and middle name change due to XXXX XXXX on XX/XX/2021 with Equifax via fax and later online. Across 7 attempts to properly provide the required documents I have been declined 5 times. I did at one point receive a confirmation of a successful change, but credit report shows that to not be true. I have one outstanding investigation to be completed by XX/XX/2021 and an agent confirmed the dispute had all required information and should be done quickly, but no progress after 3 weeks. I was informed there is no escalation available to me, I simply had to try again, and can not speak to the investigating agents.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5200.00} XXXX -- XXXXXXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$330.00} XX/XX/XXXX CREXXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

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.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. I received a letter from XXXX stating they sold it and that effective XX/XX/XXXX Carrington was my new lender. I have been making my monthly payments to Carrington since. I had some trouble with them in XXXX, I received a letter from my homeowners insurance saying they had not been paid. I contacted Carrington, it  basically took over a month for the issue to be resolved. On XX/XX/XXXX I received a disturbing call from a woman stating she was from Carrington on a recorded line to discuss my XXXX payment, but before I could say anything she said disregard this call. I said I already made my payment she said I know that's why I said disregard. ( she was very rude ) I asked her why she even called then she said to talk to you about your XXXX payment but I said disregard. The whole thing didn't make sense to me. So I asked her why they are not reporting my payments to the credit bureau she said I don't know let me have your social. I didn't feel comfortable giving it so she just hung up on me. I called the number back and it was in fact Carrington. I am trying to buy a new house and this is hindering me. I need this resolved as soon as possible. 

Thank you.
Consumer complaint received 2015-04-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (WA)

NOT ABLE TO ACESS REFUNDS FROM FTC RULING AGAINST GOOGLE DUE TO FUNDS SENT TO CLOSED ACCOUNT. 
I have over {$700.00} in refunds from the FTCs ruling against google for unauthorized in app purchases. According to the ruling if the original funding source is not accessible or closed google is to send a check for the amount of the refunds. Google has failed to do this and sent the refunds to XXXX google play accounts that have been " permanently closed '' according to them, for over a year now. I have been emailing the Google play support team and the wallet support team trying to get a check issued to me for over a month now and keep being told that there working on it.. This is unacceptable
Consumer complaint received 2020-12-05
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. (FL)

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX* 3. Accounts XXXX account # XXXX 4. XXXX XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2024-02-17
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. (SC)

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.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-17
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. (PA)

I have not been able to satisfactorily have this matter resolved. I am being reported as being late on my XXXX XXXX XXXX  account XXXX XXXX on the dates XX/XX/2022 and XXXX XXXX XXXX These are errors as I was never late! Along with this I have discovered other inconsistencies on my credit reports. For example the Date Opened and the Date Last Active are completely different on the accounts. How can that be? I do understand my rights according to the FCRA and 15 U.S.C 1681e - Compliance Procedures- that at a very least all information reporting on my consumer report has to be 100 % accurate, verified and consistent. It is not. I have attached documentation.
Consumer complaint received 2022-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I am nearing the end of my vehicle loan with Ally Financial. I was told by a representative with Ally that the pay off amount on my loan as of XXXX XXXX, XXXX  is {$520.00}. 
I got an email today showing that my balance is {$1100.00} ( {$520.00} showing as late charge, which is actually the payoff amount, and {$620.00} showing as a payment due which is totally incorrect. ) When I paid the {$700.00} payment towards my loan my account showed a balance of {$520.00} with no late charges. I can not understand how is it that I owe late charges, while making large payments on my account. My prior balance was {$1200.00}. I am going to pay the {$520.00} payment on XX/XX/2022 and not a XXXX  more. The contact person at Ally that I have record of is XXXX XXXX no last name given ) who can be reached at ( XXXX ) XXXX OptXXXX, Opt XXXX, ext. XXXX.I hope you guys can assist me with this matter as soon as possible. I have attached documentation which I hope sheds light on my situation. Thank you.
Consumer complaint received 2024-02-17
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. (PA)

I have not been able to satisfactorily settle this matter with the CRAs. I have a late payment on my XXXX XXXX Credit Card. I have never been late. This is an error. The account number is XXXX and the date is XXXX of 2023. This is not the only error on my account either. There is inconsistencies throughout my report. For example : The Date Opened is inconsistent across all 3 bureaus. The High Credit is inconsistent across all 3 bureaus. The Last Reported is inconsistent across all 3 bureaus. The Date Last Active is inconsistent across all 3 bureaus. Finally, the Date of Last Payment is inconsistent across all 3 bureaus. I have provided documentation of this.

My rights according the the FCRA and 15 U.S.C Code 1681e -Compliance Procedures- is to at a very least have 100 % accurate and consistent reporting to my consumer file.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

This credit company mailed me a letter after the dispute stating that they would delete this inaccurate collection : XXXX XXXX # XXXX on XX/XX/2023 from my credit report, yet it is still on there. Ive reached out to them several different times to get this extremely damaging inaccurate collection off of my report.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nationwide Recovery Systems, Ltd (TX)

on XX/XX/2022 Nationwide recovery system reporting inaccurate information on my credit several times in the amount of XXXX to my knowledge i have not received service from this company and would hope they remove this information from my credit report
Consumer complaint received 2022-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRANSWORLD SYSTEMS INC (SC)

Hello, This is my second time submitting complaint about XXXX XXXX XXXX. 
Back in XXXX we submitted loss mitigation hardship application to XXXX. Application was submitted on request from XXXX. XXXX rejected the hardship the words from XXXX repserventive he looked up the home prices in our area and saw our area people were not up side down on there mortgages like most of the country at the time. 

This is unfair we were not looking to sell we submitted the loss mitigation to keep our children in the home they grew up on. 
XXXX our credit was bad low XXXX because of the delinquency loan that XXXX did not approve in XXXX. We decided to sell in XXXX to get out from under the debt. We went back to XXXX told them we were selling and could they help? XXXX requested loss mitigation again and we submitted another W2 tax returns bank statements and letter explaining how we were moving over seas back to where we came from and take employment in XXXX. XXXX rejected loss mitigation again and said if we gave them a XXXX less than what was owned the home would go to short sale and this will slow your process to sell. We never got any letter explaining why the two loss mitigations were rejected. XXXX have now got a law firm blocking us from communicating. 

We have reported the lawyer to her state bar grievance board as she informed us our files were destroyed after the home sold. We have our files because the law firm was not been truthful. 
XXXX responded back to the CFPB this year saying they did not do loan modifications, CFPB there is a copy of this letter here for your records. 
I asked the lawyer last week for copy of my rejection letters no response. 

Also the lawyer that is representing XXXX said XXXX associates did not feel safe in there office after i said i would come to there office to pick up my files. 
I did say this but never made any threats. XXXX would be calling local authorities if they felt unsafe and not a lawyer. 
XXXX you are not been fair here that is why CFPB has been contacted. 

Respectfully. 

XXXX XXXX
Consumer complaint received 2024-02-17
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. (MO)

XXXX XXXX XXXX has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXXXXXX XXXX who so called investigated and stated they will make the adjustments back in XXXX of XXXX when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.
Consumer complaint received 2020-12-05
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. (IL)

I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX  XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX personal loan opened XX/XX/XXXX balance {$24000.00XXXX XXXX XXXX credit card opened XX/XX/XXXX balance {$2700.00} XXXX XXXX  opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Affiliated Management Services (MO)

I was contacted by a family member that the company Affiliated Management Services had called her on XX/XX/2021 at around XXXX attempting to reach me in regards to a debt I was unaware of. My complaint is that this company disclosed information about the debt to the caller without verifying any information from this person or me. This clearly is in direct violation of the FDCPA and will also be consulting an attorney in regards to this unauthorized disclosure of information to an unauthorized 3rd party.