davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Arivo Acceptance, LLC (AZ)

These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. ARIVO ACCEPTANCE LLC XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021
Consumer complaint received 2023-05-15
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. (NC)

I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, 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. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXX XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX # XXXX -XXXX XXXX XXXX XXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX # XXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX # XXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX Employment Information : XXXX, XXXX ( Ive never worked with this employer )
Consumer complaint received 2022-07-13
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-05-15
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: Self Financial Inc. (NV)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

XXXX Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: AAA Auto Title Loans, LLC (AZ)

On XX/XX/2022 I received a phone call from Cash 1 title loans ( XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ) asking if I applied for a loan. I told them no, and a lady named XXXX told me that someone obtained my drivers license and car registration from hacking the DMV 's website. This person used my license and registration to apply for a title loan. I asked how we can stop it and she said that no loan was approved, but they put a lien on my vehicle. I've filed a police report, a report with the FTC website, opened a case with Arizona DOT Office of the Inspector General, and contacted Life Lock. I have yet to be assigned a detective with the XXXX, and they keep telling me to be patient as they are busy. It's been over a month. I filled out all the documentation for identity theft, and have received no response. I've been in touch with Cash 1 multiple times to ask them to remove the lien from my vehicle and I keep getting the run around with them. Everytime I call, I get " It will be released in 2 hours '', " it will be released in 2 days '', " we're having program/system problems ''. I contacted Cash 1 again for the last time on XX/XX/XXXX, and XXXX told me the same thing " I put in an emergency request to remove the lien, and it will be cleared in XXXX hours ''. XXXX has refused to provide any written documentation that this lien has been removed from my vehicle. I don't have much faith in what she says because I've heard it multiple times from her. I told her that this is the XXXX time she's told me it will be removed, and all times it hasn't been taken care of and she denied ever saying that the lien will be removed. They did not physically see my vehicle to put a lien on it, which according to the Office of the Inspector General with Arizona Dept of Transportation, they can not put a lien on a vehicle without it being right in front of them. This person who stole my license also has been trying to apply for a credit card with XXXX XXXX, which I put a stop to, but now I'm waiting for it to be removed from my credit report. I pulled my credit report and have noticed several soft inquiries with my information for title loans and credit cards. I am looking to trade my vehicle in, but I can't because they are the Lien Holder on my vehicle. I own the car, have the title for it, but their name is on it as the lein holder.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (WI)

This complaint is in regards to the XXXX XXXX XXXX Credit Card XXXX Goldman Sachs ). The promotional offer for {$1500.00} spend on Gas and receive a {$100.00} statement credit is false, or they are just refusing to pay out the promotion. After reaching my {$1500.00} spend in XXXX, I have still not received the published {$100.00} statement credit. I have called several times since and was given a tracking/ticket number, but for whatever reason -- they keep saying they need technical support and are unable to provide the promotional statement credit after 2 months. Secondarily, they also state that this credit was provided in reward points and not a statement credit ( which is not how it is published on website ).
Consumer complaint received 2023-06-13
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusionsexcept as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the above LATE PAYMENTS from my consumer report, the agency is in violation of 15USC 1681 Failure to respond satisfactorily with deletion of above referenced account, and send out a free copy of my credit report after changes have been made, will result in legal action being taken against your company. For which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Consumer complaint received 2023-03-03
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. (GA)

Credit report showing late payments. I have never been late paying my payments. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (OH)

I bank with chime bank and they wont give me my money when someone has hacked my account and charges were from XXXX XXXX, Texas. They are saying its not fraud at all. 

I got an email saying at XXXX that my ATM pin was changed. I was at here is proof with my time card. Then at XXXX I got a text saying my card was enrolled in XXXX XXXX. If wasnt me and told me to call you guys! Which I did immediately. At XXXX I got email saying we notice a new login into your account. On the same day XX/XX/XXXX I got a call at XXXX and XXXX and XXXX didnt answer the call. Then at XXXX I got a text message from the same number asking about a XXXX XXXX for {$320.00} and I replied to no and told me to change my password to XXXX. I dont understand why my getting denied on these transactions when we can clear see this was a charge from XXXX XXXX Texas for XXXX XXXX 

XXXX
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/2023 I made a purchase on a reputable website and used PayPal as the payment service. I was given the option by PayPal to split the total amount between 4 payments with the first starting immediately. This worked great for me as it was a larger purchase and as I had the funds to pay it immediately it gave me the flexibility to pay over time. So I checked the box. It stated that the first payment was due immediately and the remaining 3 would be due on the XXXX of the following months. Once I clicked it stated it was approving my application. It processes for a while and finally stated a denial with a reason to be emailed to me. Then I was forwarded to a new page with a pay in 6 or pay in 9 option. I did not want to stretch out 9 months so I clicked pay in 6 and accepted it. It then stated the first payment was due XX/XX/2023. It then gave me a loan overview with an interest rate. I was not happy about this, but I did not have time to call PayPal that moment. 
On Sunday I saw the pay in 4 denial was in my email. So I looked and it stated that I was denied the loan due to insufficient funds in my bank account. I checked my bank and found PayPal had charged 5 payments in the amount of the pay in 4 which was more than the total amount of the original purchase. 

My complaint is that this product was never initially marketed as a loan. PayPal depleted my bank account to the point that the loan would be rejected due to insufficient funds in my bank account. All of this to get me into a loan with interest so they would profit additional money from me as the consumer in addition to the fees charged to the merchant. 

I believe this is unfair and deceptive practice. I am luck to be in a position that I had alternate funds available while I am working to resolve this.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

The credit agency is : Experian I tried to log into my account to temporarily lift the credit freeze but even after providing my DOB and SSN, they kept saying that they dont have a match!! Ridiculous!! Then I called their ( no ) customer service number. OMG!! They simple will not allow you to talk to a human being. This is TOTALLY unacceptable. Please issue regulations to FORCE these abusers like Experian to make sure that their consumers like me can talk to a human rep, not a BOT!! They really should not be allowed to operate a business like this if they do not allow consumers to talk to their agents. I need someone from Experian to contact me and resolve the issue.
Consumer complaint received 2023-05-15
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: WELLS FARGO & COMPANY (OK)

This wells fargo dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.
Consumer complaint received 2023-02-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/XXXX, I was XXXX XXXX from the military and going through a divorce. With my finances changing drastically, I contacted Wells Fargo about modifying/refinancing my mortgage but they said no. I did not start falling behind on payments until a year later and again I tried to see if there was someway they could help my situation and again I was denied. Soon after, they sent a notice of foreclosure. Trying to avoid this, I thought I was getting assistance from a company that helped with foreclosures but they turned out to be a scam and took {$2000.00} from me. In XXXX Wells Fargo foreclosed my home. I suffered with XXXX and anxiety and my kids also suffered. I recently called to see if I was owed anything from the class action lawsuit and was told if I'm not contacted by XXXX, to call back. Wells Fargo has no correct contact information for me and did not ask for it. The representative said " don't worry, Wells Fargo will find your info ''.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

Americollect debt collectors- Says for medical- XXXX maybe XXXX Have had medical insurance for many years due to medical conditions Tried to dispute they always deny. Says it meets requirements. 
They have 2 repeat bills- same bill twice $ XXXX and another i think {$67.00} 9 bills total.
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo foreclosed on our home in 2012 despite a year-long battle to try absolutely everything and being denied multiple times for assistance from them. The investor who purchased our foreclosed home told us on the day he picked up the keys that Wells Fargo had no intention of ever helping us whatsoever, and knowing that, his company would specifically go for homes with Wells Fargo mortgages because they knew they never helped their customers. I contacted them the first month we were going to be late on a payment because my husband lost his job, they told me they couldnt do anything until the 90 day mark. When we contacted them again at the 90 day mark, they told us there was absolutely nothing they could do and they had already started foreclosure proceedings. They lied to me, I fought with them for a year to try to keep the house and they denied every single thing we tried.
Consumer complaint received 2023-01-21
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. (MO)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (CA)

Upon reviewing my updated Credit Report, the incorrect information are 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 the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX