davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DLC, LLC (NV)

Dollar Loan Center Rep " XXXX '' at he XXXX NV location at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX - phone # ( XXXX ) XXXX mis-represented Dollar Loan Center Company Policy by telling me that I had to pay an " upfront '' fee ( the interest due on my current Loan ) BEFORE she would submit my Application for a New Loan. 

This s NOT Company Policy and is NOT required before Submitting an Application for a New Loan. This violation of Company Policy was verified by several other Reps at Dollar Loan Center and also by Regional Manager " XXXX '' at the Dollar Loan Center Corporate Office - phone # ( XXXX ) XXXX. 

This fee was paid on XX/XX/2022 before the New Loan Application was submitted as I was told that I had to due by Dollar Loan Center Rep " XXXX ''. 

She ( XXXX XXXX told me that she thought that My New Loan Application and chance for Approval looked " good ''. 

She ( XXXX XXXX told me that if the Application was Not Approved that I would receive this " upfront '' fee back within 5 ( Five ) days - another Misrepresentaion by her. 

The New Loan did NOT get Approved. 

As of Today - XX/XX/2022 - I have STILL NOT received these funds back to my account that I used to pay this " upfront '' fee. ( As of Today XX/XX/2022 ) is now at 8 ( Eight ) Days from the date that I paid it and NOW that tell me that it can take up to two weeks from the day that I paid this fee to receive the funds back in my account. 

THIS IS A TOTAL MISREPRESENTATION by DOLLA LOAN CENTER REP " XXXX ''. 

I am a XXXX XXXX XXXX XXXX, and feel that this entire Loan Application was not only misrepresentation by her but because of my age this is also XXXX XXXX 

I want her ( " XXXX '' ) and DOLLAR LOAN CENTER held Accountable for this and the Financial Distress that this has caused me. 

DOLLAR LOAN CENTER records ALL calls and ALL of this can be verified by DOLLAR LOAN CENTERS own recordings of the calls between me an there Rep " XXXX ''. 

THIS IS XXXX XXXX  at its worst.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the fair credit reporting act XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Reference number : 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 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My checking account has been frozen since approximately XX/XX/XXXX. I tried to send funds to a different bank via online transfer and then HSBC cancelled the transfer and froze my account. I've called several times and they tell me my account will be closed due to " fraud concerns. '' I have no idea what fraud concerns there are because of course HSBC will not tell me. There is no fraud on the account. HSBC says I will receive a letter in the mail with instructions but I still have not received this letter. Why am I still waiting for a letter in the mail? I don't understand why they can't tell me the issue and what to do. But if they are going to close my account that is fine. Close it and send me my money. There is a significant amount of money in the account ( significant for me ) and I need it. HSBC has frozen my funds for 2 months with no explanation whatsoever.
Consumer complaint received 2022-06-26
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. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2022-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

I have tried to resolve this several times and to no avail they will not comply. I switched my account to XXXX XXXX XXXX and I paid my final bill and XXXX stated that I was still being charged a service plan because of the device being under contract. I showed them where all devices and final bill had been paid. They then replied that I owed {$400.00} and I sent a payment to them and I called the next week because the debt that I did not owe had been sold. I immediately contacted the company that the bill was sold to and sent them all that information. I have requested that they show that I have or ever had any contractual obligations to do business with them and they have yet to provide said information. I am enlisting your support to get said company to comply with the law and remove this from my credit report because they have failed to verify the debt.
Consumer complaint received 2024-09-12
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. (NC)

I am writing to formally express my concern regarding the inaccurate and disputed accounts currently reflected on my credit report. Despite multiple efforts to address these issues and my requests for a thorough investigation, I have yet to receive any resolution or corrective action. 

These erroneous accounts are not only damaging my credit file but are also causing significant hardship in my daily life, affecting my financial stability and opportunities. The ongoing negative impact has left me with no option but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary corrective measures are taken to ensure the accuracy and integrity of my credit report without any further delay. 

I trust that with your help, this issue can be resolved swiftly, allowing me to regain control over my financial well-being. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and cooperation. I look forward to receiving confirmation that the investigation has been initiated and the errors have been corrected.
Consumer complaint received 2024-09-12
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. (WA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

So I won my unemployment appeal XXXX XXXX and payments were being added all the way to XX/XX/XXXX. Well I seen I was missing over {$4000.00} I never retrieved and at first they kept saying call Oklahoma unemployment agency because supposedly they relinquished it and at first I had to wait to get out of fraud which was from XXXX XXXX all the way to now instead of agent disputing the issue she threw me in fraud the issues is on XX/XX/XXXX it was an reversal debit for {$1500.00} than another reversal debit on XX/XX/XXXX for {$750.00} than an provisional credit supposedly for {$2200.00} on XX/XX/XXXX than on XX/XX/XXXX an provisional debit for {$2200.00} and than on XX/XX/XXXX an cash credit client adjustment for {$2200.00} than account back in - {$15.00} I never received my funds that went out as an ach direct deposit to my personal bank account I have been calling in for seven months about returned funds never being added back to card and Oklahoma unemployment agency never got or took anything back they have left me voicemails saying my problem is within way2go conduent payment services in the escalation department someone also hired me for conduent around the same time over {$4000.00} came up stolen off my account I am a single mom and I won my funds fair and square and they just have taken them hangs up and say that my funds were taken for a provisional never given because I have been in fraud due to their agent for 274 days I dont know what to do but is also looking into legal action and yes I did dispute the error and stay persistent but the same girl XXXX XXXX that hired me is also the escalation agent and she gives false alias and have made multiple personal authorization on my account so no one else can help resolve errors
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX XXXX  Docket # : XXXX n 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
Consumer complaint received 2022-12-22
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. (NC)

In accordance with the fair credit reporting at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 furnished my account without my written instructions.

15 U. C. 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 credit reporting act.

15 U S C 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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (GA)

I am a victim of identity theft and someone used my personal information to obtain these fraudulent accounts in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts. I am requesting for these fraudulent accounts to be removed and deleted immediately or legal actions will be taken. I have included my police report and FTC Identity Theft report to this correspondence.
Consumer complaint received 2022-06-26
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: ALLY FINANCIAL INC. (SC)

In accordance with the fair credit reporting act Ally Financial Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any purpose
Consumer complaint received 2024-10-25
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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 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 2022-06-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (LA)

this debt was paid and is still showing as an open account and reporting a late payment back in XX/XX/2021 then current from then to now. Comments on the reports show as paid but the account on the XXXX credit reports shows as open. This is not accurate information. This account was agreed to be paid and removed from all the credit reports. This has not been done. This is a closed account but they violated the agreement by not removing the debt.
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TN)

Was informed I was mailed mortgage modification by mail and I broke the agreement by not making the required payments. I did not receive the Trial modification agreement by mail. I have spoken with customer service to let them know this. I also found out my mortgage loan is a line of credit that can not be modified because of the type of loan. 
I trusted Wells Fargo to give me a XXXX FHA loan , but they did not. Wells Fargo should be investigated for deceiving me and putting me in this position to lose my home to foreclosure. My mortgage assistance request has been sitting in the intake dept, with Wells Fargo. They refuse to process my mortgage assistance request. I have not received a foreclosure letter from the foreclosure attorney. I was told about the foreclosure by a person that contacted me to purchase my home. Please Help
Consumer complaint received 2022-06-26
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)

I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my XXXX XXXX back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit report.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Chexsytems is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Chexsytems and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPORTUN FINANCIAL CORPORATION (MI)

On XX/XX/2022 XXXX XXXX sent out 11 payoffs to credit cards. All were posted within a week or two. Oportun credit card is the only one that refuses to post my payment. I have called many times and am conveniently disconnected. I have reached out by chat and have also been disconnected and shut down. A technical problem seems to always occur. I have screen savers verifying that. They always ask for a payment which I'm sure I'll never see. I'm sure they want me to be late then get involved in that vicious circle with late payments and extra charges etc. My best advice to everyone and every state is to stay away from this company!
Consumer complaint received 2022-08-01
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. (PA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX