davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (TN)

Speedy Cash employee ( XXXX ) failed to validate the date by producing financial documents and audits of what specie of money they loaned out and what specie of money their requiring to be paid back sense federal reserve notes promissory notes. Theres no law that says debts are owed or that they exist.

Speedy Employee ( s ) failed to admit that any application they produce with only their terms and conditions are in fact fraudulent and are null and void simply because they are adhesion contracts which contains language fraud.

When applications are endorsed by the one whos granting the credits to corporations, employees then take those applications and securitize them only to come back to the grantor whos also the beneficiary of the estate making false and misleading claims that the XXXX XXXX XXXX owes them money. Not only is this fraudulent, deceptive, misleading, unfair, predatory and barbarism but this clearly Violates The Truth in Lending Act. 

Also the companys response not only contains inaccurate information but I have the screenshots of that and screenshot of someone from Speedy Cash texting the phone which is unlawful and harassment. 

Speedy Cash failed to produce the XXXX tax forms they filed under the all caps legal fiction/principle to offset an alleged debt and are uttering and tendering off counterfeit documents which contain necromancy/dog latin/sign language which not only has no jurisdiction with English and can not be read. When these symbols are coupled on paper with English this renders this document as null and void because everythings removed.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority (GA)

I got the Georgia Service Cancelable loan for the Georgia Student Finance Commission. I commissioned XXXX XXXX upon graduating school and there was some confusion with GSFC as to what documents I was supposed to give them. I was finally able to resolve the issue after a terrible amount of communication with GSFC, and then disputed the claims with the credit agencies. I thought that the issue had been resolved. Unfortunately, it had only gotten resolved with XXXX and not XXXX. The XXXX credit agency dispute shows the same way that it did before the dispute. I took the loan my last two years of school, where it was supposed to be paid off by years in service.
Consumer complaint received 2021-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

I called Chase Auto Finance and in the past was told they do not charge late fees for 14 days in the state of florida. In the past they did not even up to day 14, as it is Florida law. I was told this many times both by phone and in writing. I was also told the loan could possibly skip a payment due to fema or state of emergencies declared. However just like how they lied and disrespected Ms. XXXX and the rest of the senators over the last 2 days, they are of course denying all this to me now in my time of need. There was the XXXX XXXX XXXX XXXX  XXXX XXXX as well as the XXXX XXXX XXXX. They will not provide releif and are not handling my calls. Very rude. Please help. As you know their is a famous XXXX saying that the fish rots from the head down. It appears to hold true, meaning corruption at the top is also stinking up other areas of a once great company. Poor leadership from the executive offices and redemption team is to blame here. Inconsistent people with inconsistent policies. I can not believe we bailed these clowns out again. Help me keep them honest.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (CA)

As of late 2022 I have not been able to use the Zelle service with my mobile number of XXXX. I was never given a reason as to why I can not use the service with my mobile number. I have made several calls to Zelle and the only information I have been given was that my previous bank has made my number ineligible. My previous bank was XXXX XXXX  and I have also made several calls to them in which they refer me over to Zelle support. I do not know why my number has been blacklisted from the Zelle network. This has created a lot of financial issues for me as I am unable to receive rent payments timely. Attached you will find 1. The XXXX Zelle agreement. I have met all requirements to use the Zelle service and would like to continue using the service.
Consumer complaint received 2020-08-15
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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established NXX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XX/XX/XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Greetings to whom it may concern, In accordance with the fair credit reporting act XXXX, Transunion, XXXX, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance
Consumer complaint received 2023-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

on XXXX i notified Experian that there was outdated information on my credit report the employee refused to dispute the information, which created a financial hardship for me, i have no other alternatives because of the timeline of this matter, Civil Rights are not optional you must treat all customers equally, this was absolute discrimination
Consumer complaint received 2020-08-15
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: AFNI INC. (TN)

This company Afni reported this old XXXX account on my XXXX and XXXX credit report originally back on XX/XX/XXXX. This account was disputed and removed from both credit reports sometime between the original date reported and XXXX. On XX/XX/XXXX this same account was added back to my credit report under Afni. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows them to report this information back on my credit report. To resolve, I did try to pay for a delete to no avail.
Consumer complaint received 2020-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MD)

I received a promotion offering {$300.00} for opening a checking account, {$200.00} for opening a savings account, and an extra {$100.00} for opening both, subject to certain terms. The terms for opening the savings account was to fund the account with {$15000.00} for 90 days, within 20 business days. 

Upon opening the accounts, I linked an external account with Chase so I could fund my savings account with the required {$15000.00}. I initiated the transfer on XX/XX/2020, with an expected receipt date of XX/XX/2020. On XX/XX/2020, I checked to see that my account was funded, but I instead saw that it was not, and that the transfer was " pending review ''. No notice was given to me that this was occurring, they just decided they could hold up this transfer without telling me. The status of my transfer was then moved to " Rejected '' on  XX/XX/2020. Again, nobody provided me with any information as to why. 

I feel their advertisements and terms are extremely misleading, as apparently they believe they can prevent people from actually meeting the terms of these promotions so long as they can make a vague claim of " security '' to squash transfers.
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (OR)

In late XX/XX/XXXX or early XX/XX/XXXX I was contacted by a firm calledXX/XX/XXXX, XXXX, claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called Velocity Investments , LLC. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the debt.
Consumer complaint received 2020-08-15
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. (TX)

Equifax, XXXX, amd XXXX refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs
Consumer complaint received 2020-09-14
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. (MI)

XXXX ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (AZ)

I was inside of the store today, where the store clerk asked me if I wanted to sign up for a REWARDS card, not a credit card. It was inside of a beauty supply store. The clerk asked for me name, and last four of  social, the next thing I know I have a credit card. The terms and conditions were not disclosed to me BEFORE I signed up, and they did not have my consent to run my credit, as I did not sign anything. The store clerk mislead me and didnt let me know anything about the card and handed me a pamphlet with the terms AFTER running my credit without my permission. I know my rights as a consumer, the terms and conditions had to be disclosed before I signed up for anything and they had to have my consent to run my credit.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

I had a XXXX XXXX XXXX XXXX they forced me to use Comenity bank. I never had late fees until Comenity. I contacted the post office and they said I mailed my payment check in plenty of time. Also I was promised by Comenity that I would see my cash back points on my second statement and there was nothing on the statement about my cash back. They have said my payment was late twice.
Consumer complaint received 2023-04-04
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account has been paid in full I tried to dispute online but with Experian credit bureau but I keep getting errors messages unable to complete this action at this time please try again later! I will upload a receipt for proof of payment please modify account or delete it as I was not notified of the furnishing of this account because the company didn't have my updated contacted information until I called the and gave it to them please remove item from my credit reports thank you! Do to I was not properly notified about such account.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So far its been a month that my bank has been frozen. Someone got into my account and took out XXXX $ and I filed a claim with Bank of America fraud department. After that a couple of days passed and got a letter in the mail saying yes it was fraudulent activity and I was going to get that money back. Now my account is frozen and has been since I received that letter and received a new debit card from XXXX that I can not activate because my account is closed I need my money to pay bills and its being difficult with them because they just point the finger at each other each time. I have been calling every single day besides the weekend asking them when will I receive any information but all they tell me is to wait and I can not wait anymore.
Consumer complaint received 2020-08-14
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. (MS)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX  to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}
Consumer complaint received 2020-08-14
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. (PA)

XXXX  i submitted and fraud report because I was apart of the XXXX  data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes  the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a, which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2020 I received a notice from Experian that my fico credit score had fallen by 15 points, and reduced my standing from very good to good. When I looked online and compared the most recent to the last report I noticed the drop resulted from the fact that one one my credit cards went from a {$10.00} balance to {$0.00} and the notation on why my credit score dropped was ; '' Not using revolving credit ''. So I am penalized for not carrying a balance on credit cards. So they are essentially penalizing me for not being in debt. 

Neither of the other 2 credit reporting agencies skew credit scores on this fact and thus the reason I am requesting assistance and this practice stopped. 

Additionally, they show in the " what's helping your score '' using revolving credit, so again they are rewarding people for being in debt.
Consumer complaint received 2022-11-30
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. (NC)

Previously a complaint had been submitted for the reporting of incorrect information. XXXX removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and XXXX have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all 3 agencies. Yet each agency has validated the information as accurate.