davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (WI)

I was granted on debt consolidation loan on XX/XX/XXXX. The only caveat was that they were to send the payments to my creditors. I spent XXXX minutes on the phone with XXXX from XXXX  giving her the addresses for the payoffs. They had me do payoff amounts for XXXX weeks in advance and was told everything should be paid off before XX/XX/XXXX. I had a creditor payment that was due on XXXX ( I had to pay that ) and then another on XX/XX/XXXX. All of my creditors were paid off within the XXXX weeks except the biggest XXXX. I called XXXX back around XXXX because I noticed the one was paid off. I wanted to get the check # and verify that the check was sent to the right address. XXXX gave me the number and assured me every was sent. I called back again around XX/XX/XXXX because it still showed a balance. XXXX on this call, realized she had mad a typo on the XXXX XXXX XXXX I asked her to have the check overnighted since the lender said it could take XXXX weeks to process a check. She said she would get back to me. I was concerned because the payment was due on XX/XX/XXXX. She didnt return my call like I had asked, so I called the next day and she said a new check was issued and sent out. I let her know I was very unhappy that it wasnt overnighted. She guaranteed me they would receive before it would be reported as late on my credit. I waited XXXX weeks and finally called and spoke to XXXX, the manager, on XXXX. I was very irritated that my account now says delinquent after XXXX supposed checks have been sent. XXXX said she needed to check on it and call me back. She called me a bit later that day and told me how sorry she was but the XXXX check was also sent to the wrong address! Are you kidding? Who is running this place. I cant believe the incompetence. XXXX guaranteed me that she sent the check overnight for receipt by the creditor at XXXX am on XXXX and everything should be ok. She offered to pay for the difference in interest since all of this mess. Here it is XXXX and guess what? I called the creditor to confirm receipt and they said they dont show anything and it could take XXXX days. This is going to be reported to my credit in XXXX  days. So Im going to have to make a payment so this doesnt happen. Then I have to make a payment on the XXXX  loan tomorrow which doesnt sit right with me since all of the creditors have not received payment. I called this morning, XXXX to speak to XXXX and tell her I want a check overnighted to me so I can make the payoff and not be late. XXXX is on vacation so Im back dealing XXXX, who said she needs to get it approved through her district manager. What can be done for all this incompetence? I took this loan in Good Faith and have had major stress about the remaining payment to the last creditor for a month and a half. What can be done? If nothing else, I want the world to know about One Main Financials incompetence so that others dont get taken in by them.
Consumer complaint received 2022-08-13
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. (FL)

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 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. This is in clear violation of my rights.
Consumer complaint received 2024-10-30
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: Experian Information Solutions Inc. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # 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 2022-06-09
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. (IA)

In accordance with the Fair Credit Reporting Act XXXX  account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 USC 1681 section 602 A 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
Consumer complaint received 2022-12-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY ()

In XX/XX/2022 I was contacted by a person who claimed to be XXXX XXXX, she was very convincing. after a while it al became very romantic and she wanted me to come to XXXX. I told her I don't have the money for it. She told me she would help me invest some money in crypo and real estate and so I put XXXX,- in XXXX XXXX  and this made XXXX profit and the suddenly the money completely dissapeared from the site. I invested XXXX, - in a real estate investment through XXXX and this was out of my site afterwards. I tried to withdraw money from the XXXX bank it was send to, but no result and no money. 

She told me I had to buy a XXXX XXXX XXXX to meet her and I paid XXXX,- for the card and I received all kinds of documents to get it. After a few months I watched the XXXX show XXXX and found a way to reverse phone search option, but when I tried it on the number of her on Telegram it turn out to be a scam. I told her and the one who provides the card to send me back the money but non of them did. So I want the bank and others to send me back the money. This all got me into serious financial trouble. 

I have all the email and telegram conversation in XXXX XXXX for you.
Consumer complaint received 2022-06-09
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. (GA)

I submitted a ID theft report ref XXXX AND the information required as laid out in the FCRA. Then, Equifax decides to tell me that I need to reach out to the furnishers myself and completely ignore what their requirements are. Then, I submit another complaint and their response is to provide MORE information when I clearly REFERENCED the complaint that outlined the information they needed. Ref XXXX for their latest response. At this point, they are playing games.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I opened a chime checking and savings account on XX/XX/XXXX XXXX i deposited XXXX dollars .on XX/XX/2022 chime locked and closed my account for no reason at all. they told me in order to clear this up I had to send in documents. which I did on XX/XX/2022. I received no answer or returning of my XXXX dollars. its has been 90 days and still nothing. they dont even response to my inquiry when email or call please help me get my funds back from chime.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XXXX I deposited a check for {$390.00}. Initially Chase said the my funds wouldnt be deposited on the XXXX and then changed it to XXXX. After speaking with customer service, they were able to contact the issuing bank and verify the check. However the two representatives I spoke with both claimed that they could not verify the check makers number in their private system and still refuse to give me access to my funds or cancel the deposit so that I can cash my check elsewhere. They also refuse to call the company that issued the check in the first place because none of the numbers can be verified in their system. One rep told me that the verified number is the one that the company uses to register their business with the state. However, even after I looked up that number, they continue to tell me its not verified.
Consumer complaint received 2023-06-21
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. (IN)

NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Balance Owed : {$0.00}. I believe it was reporting in error.
Consumer complaint received 2022-08-17
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)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-17
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. (MS)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process.
Consumer complaint received 2022-07-27
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. (LA)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/2020 ; XXXX Date of Inquiry : XX/XX/2020
Consumer complaint received 2022-08-17
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. (NJ)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items needed to be removed from my credit report : Collection XXXX OF XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXXXXXX Late Payment XXXX # XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-06-21
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: U.S. BANCORP (NY)

I received a promotion that stated : Pay at least one insurance bill with your XXXX XXXX XXXX XXXX XXXX by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a statefarm bill on XX/XX/XXXX in the amount of XXXX  The terms state within 2-3 billing cycles but the promotional points have not posted. 

The company responded citing a " recurring bill pay promotion '' which was a separate and distinct promotion from the Insurance bill payment promotion. I am stilled owed the XXXX points. 

I have attached their response which incorrectly cites the wrong promotion.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In addition to my previous complaints regarding fraudulent unauthorized transactions on my credit and debit cards with BofA ; I was also informed that on XX/XX/2022 someone tried to open up a new BofA credit card in my name. I was informed of this when I called in one of the times regarding the unauthorized transactions. I was told the application had been denied and that they would mark it as fraudulent. So, it is VERY DISTURBING to know that despite BofA being aware of all of the fraudulent transactions plus a fraudulent credit card application that Bank of America is trying to pin the responsibility of these actions on me, I am the victim.
Consumer complaint received 2022-12-04
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. (TN)

Over 45 days ago sent in letters to the bureaus informing them about inaccurate items reporting to my credit profile and I have yet to hear anything from them. I feel like I am being taken advantage of and the matter at hand is not being taken seriously. They are in major violation, and this have caused me a huge amount of stress. I will take this matter to court if I have to. Please help me resolve this issue.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Again, I was a victim of identity theft and this is my eighth CFPB Complaint requesting to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that sme Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I am submitting this complaint to notify the Credit reporting Agencies that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. Again, I am in need for the following items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$29.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2022-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (GA)

In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C Account Number # XXXX Also the Debt Collection Agency took more than 30 days to complete my investigation I have enclosed a copy of my letter sent to the debt collector. 
I am not liable for this debt and do NOT have a contract with Southwest Recovery Service
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (GA)

My student loan have been reported on my XXXX, Experian, and XXXX files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank withdrew {$650.00} from my checking account on XX/XX/2022 for a Federal Loan I do not have. 

The account sat at $ XXXX due to the bank withdrawing this money. 

Citizens Bank just added a {$35.00} late fee, now I'm at - {$490.00} in my bank account. 

Citizens has filed a claim but says it takes weeks to process and resolve. 

I will lose my entire paycheck this week to cover the insufficient funds - thanks to citizens.
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rozlin Financial Group, Inc. (PA)

Online dating site XXXX. I signed up. And was not happy with there products. It was not as advertised. I requested a refund. I didn't receive adequate response. So, I made a complaint to my bank. They are trying to charge me for services. I didn't use nor do I no longer want.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It has been discovered that you are not DISPOSING file when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX XXXX : {$620.00}