davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld is violating my rights per the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ). I numbered some Transworld credit reports to refer to in this complaint. 

First, I have sent multiple letters to Transworld on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, ( several letters attached and certified to this complaint ) requesting them to provide violation of the debt listed below. They have never sent all of the information per my request which means the alleged debt are reporting was not validated in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. XXXX have never send me the requested information. I am requesting validation not verification. Please send validation of these debts with the items listed below : Requested information : Copy of bills with details of how they arrived at the total Provide a copy/copies of the agreement/agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges Also, I sent about eight debt validation letters on the above stated dates in # 1 and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information and allowing them to share this information with other parties. Please delete this information from my credit file and cease all collection activities immediately. 

Lastly, their investigation took over 3o days and it is still incomplete because they never validated the account by sending all of the below items : I am the individual whose credit report this belongs to not a credit repair agency. As per the FCRA and HIPAA these accounts need to be deleted immediately because you are violating my rights per the FCRA and HIPAA.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

The credit reporting agency refused to remove hard inquiries on my consumer credit report. I was advised that I needed to contact the companies directly. I mailed letters to the companies and they were returned to me as 'undeliverable. ' These hard inquiries negatively impact my FICO score. Additionally, the hard inquiries listed are a violation of the FCRA.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (AL)

In early XXXX I was shopping around to find a loan for a new car purchase. During my internet search I was directed to Lending Tree at which time I was lead to believe that I was shopping for companies with the best rate. I submitted basic personal information, but at no time did I understand that I was submitting an application for a loan. I ended up going with a local financial institution, but this week I received a letter saying that I had been denied a loan with XXXX XXXX XXXX . I do not recall submitting an application for a loan, and believed that I was only inquiring into details of loans. So contacted XXXX XXXX XXXX and the representative proceeds to ask for my information. Name, phone number, and then the last four of my social security number. At that point I declined verify any additional PII data because I never shared the data with XXXX XXXX, but the representative confirmed that the application came from Lending Tree. 

My issue is that Lending Tree is very misleading. There are a bunch of data points that are being collected upfront, and at no point was it ever disclosed that I was submitting an application for lending. If I knew that I was submitting an application I would have stopped or never started the inquiry.
Consumer complaint received 2021-09-21
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. (MD)

My credit file was compromised in the massive Equifax security breach in XXXX and the XXXX XXXX XXXX breach in XXXX therefore, I have been monitoring my credit profile with Equifax on a regular basis. On XX/XX/XXXX, I disputed erroneous personal information names, DOB, addresses and Employment in my credit file in which my credit scores were in the 600+ range and on XX/XX/XXXX several negative unknown entries were inserted on my credit file which caused my score to drop over 100 points. I am inserting my credit report from the month of XXXX and the month of XXXX just so that you can see the difference of reporting.
Consumer complaint received 2021-09-21
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: Affirm Holdings, Inc (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NJ)

Back in XXXX of 2020 I used XXXX to transfer money from My XXXX account to my friends Wells Fargo account. There was no issue with the transfer. The next day his wife called Wells Fargo and asked them to reverse the transfer. Per a letter sent to my friend, it was done, but the money has, even to this day not been sent back to my XXXX account. I contacted XXXX to see if they could track down some information, and they said to us that the account that XXXX put the money into ended with a totally different account number to which it was sent into, that account is completely unknown to my friend and he does not have any account ending with account that XXXX specified that XXXX put the money into. 
We have contacted Wells Fargo multiple times to find out where my money went to and they have yet to tell us what happened or where my money is. My belief is that Wells Fargo may be using XXXX to perform some kind of wire fraud or other types of fraud.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

I am attaching a prior complaint that still has not been resolved by anyone. I received a Cashier 's Check, it was not in the amount that was granted. 

I am attaching the prior complaint number XXXX. The same issues in the previous complaint still exist. 

I am only refiling because your portal says that the complaint was closed out. Again my expectations are for someone to contact me in writing or by phone and explain to me why my business as been blatantly disrupted, has placed me in more financial debt, and now their attempt to comply is not transparent.
Consumer complaint received 2021-09-21
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: Possible Financial Inc (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-09-21
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: CITIBANK, N.A. (AL)

On XX/XX/2021 there was an attempt to open a CITIbank account in my name. I discovered this information on a recent credit report. I did not request or send any personal information to CITIbank. CITIbank did send a letter to me stating they could not process the request at this time without further information. I very much appreciate the letter. I do not know how this happened. There was also a fraud attempt regarding XXXX XXXX which has been resolved. Just to restate, I did not request a CITIbank account. 
Thank you
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

I paid my balance in full with the credit card company back on XX/XX/20 of@XXXX. I am now getting charged interest of {$7.00}. I don't understand where they think I owe this money. I paid my balance over a month ago and they want me to pay interest charges due in XXXX.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score. please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.
Consumer complaint received 2021-09-21
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. (IL)

I have an inquiry from XXXX for the dates of XX/XX/2021 and XX/XX/2021. I received a letter in the mail from Equifax saying that they deleted the XX/XX/2021 inquiry. However, I just ran the credit report on XX/XX/2021. Not only is the old inquiry still there, somehow a new one has popped up.
Consumer complaint received 2021-09-21
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)

Incorrect information has been reported. 
Attached affidavit support my claims All debts are prepaid 31 U.S. Code 3123. Payment of obligations and interest on the public debt Its been over 30 days. 

Hjr 192 public law 73-10 Title 15 1692 E
Consumer complaint received 2021-08-03
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. (IL)

On my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX balance of {$4000.00} reported to transunion & XXXX  XXXX {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. Transunion reports XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for transunion & XXXX  where the last payment with XXXX  is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.
Consumer complaint received 2021-09-21
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. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (IN)

Regarding an auto loan with Flagship Credit : The loan balance is about double what it should be. I purchased the car in XX/XX/XXXX. I have a contract for XXXX payments. My payments are {$370.00} per month, yet they show a balance of nearly XXXX. I asked the about it and they said my interest compounds daily. I say that should be accounted for in the contract payments/terms. Also they said I have been more than 30 days late XXXX times. This is also not true, and my credit report will show this. I believe they are trying to extort money from me. This is a predatory loan that I received from a XXXX dealer. I had no idea it was such. This car is a XXXX now with over XXXX miles on it and they say I still owe over {$8000.00} a car that the purchase price was {$11000.00}.
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (FL)

How much is XXXX getting paid per year/ or otherwise for XXXX XXXX  XXXX XXXX XXXX use the trust name " Wilmington Savings Fund society , FSB XXXX d/b/a Christiana Trust '' - this is common knowledge now that the trustees are in name only -- just want to know how much you get paid it is on your documents that you do not foreclose -- case XXXX XXXX XXXX XXXX, FL WSFS-you are suing me and I want/need Discovery
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2021 a payment was made on my auto loan with Ally Financial. The payment was for the XXXX payment. I explained the payment was being made on XX/XX/XXXX because of my familys contract of XXXX. The representative for the company assured me the payment would not be reported 30 days late to the credit bureau because we are in the process of buying a new house. On XX/XX/XXXX I was notified that the payment from XXXX was marked 30 days late. I have spoken with an agent now 3 times and have been promised each time that a billing supervisor will be calling me back within 24 hours to remove the late payment once they listen to the recording of my original call. It has now been over a week and I can not get a billing supervisor on the phone and nobody has called me back. I need the late removed because I can not get a home loan now and I was promised by the original agent that there would not be a 30 day late.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (AZ)

On or about XX/XX/2021, I chatted with a rep via the chat option in the website of the bank to approve the increase of my daily spending on my card because I had to do a cash advance at my other physical bank to buy a cashier 's check to pay a court judgement. The rep said I would have to speak with the rep to confirm my identity. I had the rep a few hours during a break from my job. I validated my identity, but the rep that helped me over the phone at loss prevention by name of XXXX XXXX was very unprofessional and refused to answer my questions. When I insisted she answer my question, she retaliated by not approving the documents I submitted for verification even tho she and the earlier rep promised I would get the approval yesterday if I provided those documents. She sounded mad at me for making this statement and they proceeded to freeze my accounts and block my access to all 5 of my accounts. I find this behavior to be not only unprofessional but a violation of my right to access my account and money. No one should be subject to this level of retaliation because of a rep 's unprofessional conduct.
Consumer complaint received 2021-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

My initial dispute about the same account to Equifax was deemed account information was accurate. On XX/XX/21 I submitted a second dispute to Equifax credit bureau regarding the collection account on my credit report, XXXX XXXX XXXX totaling {$2000.00}. After receiving a debt validation letter from me, the collections company provided a letter to myself and all major credit bureaus advising the account should be deleted from my credit report. On XX/XX/21 the item was deleted, but my credit score dropped 16 points instead of increasing. There have been no other recent negative accounts placed on my credit report. Ive contacted Equifax via telephone, but have not been given a satisfactory explanation and my request to have the situation reviewed was denied. I was advised no change could be made. Id appreciate any assistance to obtain the reason my credit score dropped significantly AFTER having a negative account deleted off my report. It seems like there maybe some kind of calculation error, but again my request to Equifax to review the issue was denied. Thank you for any help you can provide.
Consumer complaint received 2021-09-21
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: AES/PHEAA (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-08-03
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Since XX/XX/2021 Transunion has been violating my consumer rights by incorrectly reporting someone elses address and accounts onto my account. I have sent numerous proofs of identification and address verification to this company. They have no only ignored me but kept me on the phone for hours telling me these addresses and accounts are mine. I investigated with their data furnisher and the creditors and they do NOT have information related to me or any account opened with them.

This has all led to much strife in my family life and has prevented me from applying for unemployment benefits, being approved for business credit, and purchasing a vehicle. This company acts in an abusive manner to the consumer. This is not a frivolous complaint. This information needs to come off my report now.

The following address and attached accounts NEVER belonged to me.I have submitted my proof of identification and address along with utility bills multiple times and they continue to report and ignore me. Remove the following addresses and stop violating my consumer rights : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX Remove the addresses associated with these accounts Immediately!!! 

ACCOUNT NAME/ACCOUNT # 1 ) XXXX XXXX 2 ) CT CHILD SPY XXXX 3 ) XXXX  XXXX XXXX