davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (PA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.

Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION ()

I used to Xoom to transfer money from my XXXX XXXXXXXX account to my XXXX XXXX account on XX/XX/XXXX XXXX GMT - In XXXX minutes time it will be the XXXX XXXX and I have still not received my funds ( XXXX GBP ) it says " on track '' and still being transfered to " our partner '' - My transaction ID is XXXX - What makes this even worse is after doing research everyone is having the same problem using XXXX and this was happening before I even signed up! Yet they still took my payment and did not make anyone aware of problems until yesterday ( systems were being upgraded ) This is totally unacceptable and my transfer should never have been accepted during a period when no transfers are being completed. 4 Days is a ridiculous timeframe to wait for an " instant transfer '' Please sort this out ASAP.
Consumer complaint received 2021-06-24
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. (MD)

Please remove the restrictions that block both my wife and myself from acquiring and downloading the weekly Free credit report from XXXX We've already filed several complaints through the CFPB website on this matter, but this time we're told to open a complaint that only mentions the XXXX ban that's preventing us from seeing what banks and lenders see when they pull credit reports.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Open balance {$3100.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2022-05-13
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. (GA)

I have asked Equifax to pls provide detailed verification of this debt listed below. I've stated the following to them : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Im requesting an investigation because I felt the item was not being reported legally. How was this information verified? Prove that this listed debt belongs to me and not someone else. Im request for sufficient legal proof under the FCRA. 

Information in dispute : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX XXXX # - XXXX Amt. {$110.00} And that A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent deletion of this item from my credit report.
Consumer complaint received 2022-05-13
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2022-05-13
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. (NJ)

in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (GA)

I've been paying {$340.00} a month for XXXX to Ally Bank XXXX XXXX XXXX Never have missed a payment till covid happened I've taken a huge financial hardship and burden the last 2 years especially with the economy the way it is. I have XXXX kids work full time and own my house. I've consistently called emailed and chatted online with countless people at Ally Bank. Nobody will offer any help they have me upside down in the loan. I've barely paid anything off and I've paid thousands and thousands of dollars. They refuse to do a payment modification for financial hardship. They offer absolutely zero compassion or any options. This is absolutely unacceptable and just wrong.
Consumer complaint received 2022-05-13
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX : {$49.00}
Consumer complaint received 2022-05-13
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. (NC)

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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: Affirm Holdings, Inc (MD)

Someone that wasnt me made a transaction in the amount of XXXX dollars from XXXX. I have proof of all the items Ive ordered to proof that this transaction didnt come from me. The XXXX card that was attached to this transaction has never been in possession of me. The account shows that is on autopay but they claim I managed to miss 2 payments which was 60 days. This transaction came from the company AFFIRM INC . I sent them paperwork proving that it wasnt me. No response. My credit score has been effected and I lost a amount of XXXX points plus this company FLAGGED MY ACCOUNT. I have no knowledge of this account, transaction nor payment plan. I havent paid anything on this account and I wont. I need this to be fixed.
Consumer complaint received 2022-07-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I submitted a letter to Experian requesting the remove an unverified and fraudulent account. This negative information reported by XXXXXXXX XXXX XXXX XXXXXXXX in the file they maintain under my Social Security number stating I owe {$4300.00}. This is ridiculous.That was over a year ago and the account is still present. I requested copies of the information they used to verify the account and they simply stated the creditor verified the account with a number using e-oscar. Clear violation of the FCRA.

I would like Experian to verify and validate this information with XXXXXXXX XXXX XXXX XXXX and provide me with copies of the following : 1. Original contract 2. Payoff Disclosure 3. Date this alleged debt became payable 4. Complete accounting of alleged debt 5. Interest Rate Disclosure 6. Balance History 7. Payment History 8. Credit Insurance 9. Agreement with your client that grants you the authority to collect on this alleged debt 10. Verification that this debt was assigned or sold to collector 11. Commission for debt collector if collection efforts are successful Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any other means of automated verification. 

If you do not have this information, please block it from my credit report based on 15 U.S.C. 1681c-2.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I'm attaching my identification info.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trust Financial LLC (WY)

I received a notice from my employer in XXXX about a garnishment from XXXX XXXX XXXX XXXX located in XXXX Wyoming. I haven't received any communication from them about this garnishment. I contacted someone through their office by phone and asked them to work with me, I had just found out that I was XXXX and struggling to pay the bills. they refused to help me so I called the XXXX County Courthouse. The woman instructed me to write the judge so I did. That was a complete waste of time, so I dealt with the garnishment. In XXXX they garnished me a total amount of XXXX dollars. The amount I owed the Original company XXXX XXXX was less than 400.00 dollars. Once again I received no communication from this debt collector, then recently received word from my employer that they were going to garnish me again. I wrote a letter of validation and dispute to XXXX XXXX XXXX XXXX on XX/XX/XXXX and sent it off that same day. I was under the assumption that they had to stop all attempts to collect this debt until they could validate this disputed debt. They have still garnished me once on XX/XX/XXXX and the next on XX/XX/XXXX for a total of XXXX Dollars. This makes a total of XXXX dollars they have collected from me on a less than 400.00 debt. This is a very old debt possibly time barred, and I want to know how this is legal. I disputed the validity of this debt and they are still taking money from me. I have received nothing from them regarding my dispute. I am a family of XXXX and the only one working, I can't pay my bills nor feed my family.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

XXXX XXXX XXXX XXXX XXXX of my account is XXXX hello good afternoon on XX/XX/XXXX of this year around XXXXXXXX XXXX XXXX XXXX  I received an email from the XXXX XXXX that a person was trying to access my account telling me the location of this person who was XXXX from the XXXX  after this I proceeded to change the passwords of my banking application and my email so that there would be no more problems, I was very concerned about the situation because I had all my money in this account saved for several months from my XXXX work and called the bank around XXXX XXXX to tell them to help me block my account, the bank replied with " we can't help you '' then I proceeded to email XXXX with my data and photos that ask you to identify your identity, they told me that my account was already verified, I normally work at night and that day after doing all this process I went to XXXX XXXX or at XXXX XXXX I notice they logged back into my account and were shopping online at various stores like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I tried to log into my bank app and was unsuccessful because all my account details had changed and immediately I called the bank so that they immediately blocked the cards that were being used at that moment again they told me that they could not help me that I had to wait for them all the purchases were processed and are no longer in pending status to present a dispute wait until XXXX XXXX on XX/XX/XXXX to be able to access my account since the bank had confirmed my identity again, I disputed the card and they told me that I had to wait to dispute the debit cards. this is the amount that was made with the debit card in Amount of claim : {$2700.00} Amount of claim : {$390.00} Amount of claim : {$1100.00} this is the amount that was made with the credit card The amount in dispute, {$5300.00} then call as the transactions were no longer pending to present a dispute for these purchases of my credit and debit card, they told me that both were already in a state of dispute, after three days the bank told me that there was no error in these purchases and that I would not have a refund of this money that has been stolen from me, the bank provided me with some new provisional cards I can see them in my application after this new card was used again to make the same purchases they re-entered my account they changed my data again and the bank no longer gave me access to this account without giving me a detailed report of the disputes I made. I still have no information about the latest information I have sent to this bank. I attach a photo of what it looks like This person entered my account and changed my email and phone number. 
I have also suffered discrimination from this company because although their staff speaks XXXX they refuse to speak it so that they can have better communication with them.
Consumer complaint received 2022-05-13
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (MI)

the following accounts are illegally reporting this negative information regarding a debt that allegedly I owe I requested to have the information verified they failed to provide me with proof. This is a direct violation of USC 1691 ( a ) 2 As well as 15 USC 1681 further sates there is no requirement for a financial institution to furnish negative information to a consumer reporting agency. The other negative information is a direct violation of my HIPPA rights.
Consumer complaint received 2022-05-13
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-05-13
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. (CA)

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX According to the FRCA The term " investigative Consumer Report '' means a consumer report or portion there of in witch information on a consumer 's character, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not reporting 100 % accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-05-13
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ....
Consumer complaint received 2022-05-13
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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