davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 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 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I was approached at a XXXX located on XXXX XXXX in XXXX, Virginia by XXXX men, XXXX asking if there is a XXXX around. He then asked to use my cell phone because he is in dire straights and needed to call a relative so that he could receive money so he could have a place to stay for the night. I allowed him to use my cell phone. The fraudster went into my XXXX app on my phone and took out a loan for {$6000.00}. After having my phone for too long I asked for it back and that's when I noticed my bank account on the screen and that there was money transferred from my account to people I do not know and a loan approved for {$6000.00}. The men left immediately when he handed me back my phone. I called XXXX immediately and reported what happened. I then went to the XXXX Police Department and reported the scam and was informed that it is a local scam targeting military looking men and veteran 's. XXXX opened a fraud claim and denied it. I then appealed the decision and they denied it again. I have not received an official letter stating that yet, however, I called today and was informed it is denied. I did not receive any money, I did not make the transfers, I did not apply for the loan. I was scammed and XXXX is trying to hold me responsible for a loan that I never received. This is a known scam in the area I live in, however, I did not know this until after speaking to the policy department. I have now spoken with many people in the XXXX XXXX are, you and old that this has occurred to. In the meantime, I am paying a monthly payment on a loan that I didn't apply for or receive any of the money so that it does not impact my credit score until I can get this resolved. I should not be held accountable for a loan that was taken out fraudulently and under false pretenses by someone else. XXXX does not take care of their members as their mission statement states they do and they should not be publishing " Their customers is their mission ''. I am now looking into hiring a criminal defense attorney to represent me and bring suit against XXXX which is more expense to correct this.
Consumer complaint received 2024-02-15
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: EQUIFAX, INC. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

Equifax is listing fraudulent account information on my credit report. I have never signed any documents, agreements or contract with this company. I requested proof from Equifax, I requested copies of the original signed dated contract. No contracts or agreements exist with my signature that shows I allegedly owe XXXX XXXX XXXX XXXX. Account Number XXXX. I informed Equifax that this was a fraudulent account opened in my name. Equifax informed me to send an identity theft report and they would remove the XXXX XXXX XXXX XXXX. Account Number XXXX in 7 days. I sent Equifax the Identity Theft Report as instructed. Equifax still will not remove the account from my credit report. 

Equifax is knowingly and purposely violating the Fair Credit Reporting Act, which states once an Identity Theft Report is received, the fraudulent information is to be blocked from showing on the credit report in 4-7 business days. In addition, no documents, contracts or agreements exist with my signature. Please make Equifax remove, XXXX XXXX XXXX XXXX. Account Number XXXX from my credit report, for violating the FCRA
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

Dear XXXX, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account Information : Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Amount : {$3000.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I was looking at my report and noticed some things were not correct. I sent a letter to Equifax on XX/XX/2023. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX and Equifax continue to report inaccurate information onto my consumer report. Equifax has not provided me with any documentation to prove I was indeed on late during these months that they are alleging I was late please take note the other XXXX credit bureaus are not reporting this account and the information but match across the bureaus. I would like to know who exactly Equifax spoken to to verify this debt. 

) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to refile this please as my formal complaint to TRANSUNION for still allowing the fraudulent accounts on my credit report. I filed an identity theft with the FTC report number XXXX. As I rechecked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.
Consumer complaint received 2021-01-20
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. (MI)

Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life and this is holding me up .. 

Inquires : XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2016-07-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Lionstone Holdings Group (TX)

This company has called my work issued phone threatening to file with the XXXX County Court on a Saturday. When I asked for what, the gentleman got extremely rude and defensive. I have since blocked the calls. Now they have made several calls to my XXXX year old mother. She has told them each time to stop calling her and to remove her from the list. She decided to call and the gentleman she spoke to was rude and told her that she can not tell him how to do his job and that there is nothing stating to stop the calls.
Consumer complaint received 2024-02-02
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. (GA)

Subject : Urgent Matter - Identity Theft and Credit Profile Concerns Dear Credit Reporting Agency, I am XXXX XXXX, and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need.

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood.

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2.

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request.

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts and inquires associated with my name. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

On XX/XX/2019 I was blocked in my driveway by a man and his tow truck. I asked the man to remove himself from the property but the man refused and threatened me saying " if you do not give up the vehicle then I will call the police and have you arrested '' the man called another man to the block an end to blocking the entire XXXX XXXX  access to the front of the of my house when the second man arrived he walked up to me and demanded I give him the key to my car I argued and both tow truck drivers grabbed my car key from my hand and I wrestled with them both for a only a second or two they told me to remove my belongings from the car or they would be forced to remove it at some point then after I removed my belongings the second tow truck driver said to me Sia in court I contacted the lender only for them to request the full amount of the auto loan title loan I had obtained in XXXX plus interest which was approximately {$3200.00} I was not able to come up with all of the {$3200.00} I haven't heard from the lender since the repossession of my car according to contract and federal consumer law all right it is applicable and lawful to inform a client or consumer income in contract about the sale of property the lender has never informed me of any information regarding the whereabouts of my car or the planning of the sale of my car or the amount that they sold my car for I am asking that I be confiscated in the amount of the loan the original loan amount of {$2500.00} for the loss of my vehicle the loss of my employment the grief of being uninformed of the sale of my car and I requested the tow truck tow company compensate me for mishandling my private agreement with the lender in the amount of {$6400.00} that cost the original cost of my car at the time of purchase .XXXX  XXXX the lender company is Advance America in XXXX California and the tow company is a private third party that the lender used to repossess the vehicle from me.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within XXXX business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I purchased my house in XX/XX/XXXX and after 2 years my payments went up, so I called Wells Fargo to find out why this happened. That is when I found out that I have been given a XX/XX/XXXX with an interest only loan and an XXXX intrest rate. Tried getting a loan modification through Wells Fargo but they stawled me and did n't do anything about it, by that time I was served a summons of forclosure and my second mortgage had file a lawsuit having my bank accounts frozen. This all lead me to a Chapter XXXX in XX/XX/XXXX and XX/XX/XXXX I received a forclosure sale date. To stop this I had to file a Chapter XXXX, so here I am facing an obligated trial plan of {$3300.00} for just the first loan and with a hearing date of Monday XXXX, XXXX and obligated to take this payment to save my home. 
This was my American Dream to buy a home and have a Bank ( Wells Fargo ) destroy my financials and on top of this if I accept the trial plan I would be forgiving them for everything they put me and my family through and on top of this losing our home.. 
I have hired attorney 's and loan fraud audits but Wells Fargo do n't care the just proceeded with the foreclosure process. I asked my attorney if he can present an offer since I am willing to make payments of {$2500.00} for 30years but he does n't want to present it. This is unbelievable.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the third party is trying to collect from a debt I don't know of. The agency failed to report validation of the debt that was owed to them, they also failed to show license and right to collect debt in the state of Florida where I reside. The agency violates the FCRA and is trying to ruin my credit report by reporting a debt I don't personally owe to them.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The situation at hand is causing me considerable distress and affecting my XXXX XXXX. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (OH)

I purchased windows through XXXX, and they offered 15 months 0 % financing through Wells Fargo. 

I have been paying regular payments to Wells Fargo for this 0 % interest program and noted they opened a new credit card account in my name and transferred the balance owed to the new card account. It appears based on the statements, that this took place in XX/XX/2017. I did not request Wells Fargo to open a new card on my behalf, nor was an explanation given as to why the new account was opened and the funds were transferred.
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. (DE)

Inquiries on my credit report that authorization wasn't given to. 

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
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts are showing incorrectly across all credit reporting agencies and is violating my rights to fair credit reporting. 

The information has been showing incorrectly for the past 3+ months since my 1st complaint/investigation. 

I placed in my 1st complaint in XXXX of XXXX my XXXX complaint in XXXX of XXXX  and are in XXXX oXXXX XXXX and I am facing the same issues. 

There are several areas of issues including amounts reported, account statuses, balances, open dates, closed dates and etc.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have written the CFPB due to inaccuracies on my credit report and not only was it not helpful the creditors illegally updated each and every account with new delinquency dates, another 7 years were added on and now I'm being harassed constantly through text messages and emails from these creditors.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MS)

I called in 2019 to cancel this card. I was under the impression based on my phone call that the cancellation was confirmed. I then went to work out of town due to Covid shutting down a lot of my companys work and was not home to see any mail coming in from Genesis FS. If it did come, Im sure I was passive in acknowledging it because I had cancelled this card and never carried a balance on it. The late payments I have acquired are for the annual fee I was unaware I was charged for. My frustration continues because when I called again recently, I was told I could only cancel this card by mail and the next day I see this account has been closed. I am trying to apply for a mortgage loan and the late payments have ruined my credit. The late payments are not a reflection of my credit worthiness, but a result of poor customer service.