davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX 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 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (NC)

I did apply for the card but never finalized that I wanted because it was only for {$300.00} and they take {$80.00} of that for fees etc so I didn't want it and never confirmed that I wanted the credit card ... I don't even have the card in my possession...
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX. XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 an account without my written instructions 15 U.S.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 report by more than seven years. 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 2023-02-27
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$160.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Account # XXXX 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 a 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 for any reason purpose.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SoLo Funds Inc. (FL)

On XX/XX/XXXX, I contacted the company because attempts to withdraw my funds kept failing over the previous couple of weeks. I tried online ( from laptop ) and by mobile app on my phone and tablet. They requested exact error messages and screenshots. I provided them. On XX/XX/XXXX, I received an email from the help desk stating that my problem would now be escalated to their specialized team. On XX/XX/XXXX, I still hadnt hear from them, so I emailed again to inquire. They responded by asking me for the screenshots of the error message. I sent them again. The next day, they contacted me to ask if Id seen their previous email requesting screenshots. I sent them a third time. On XX/XX/XXXX, I reached out to them and asked if they would just mail me a check. On XX/XX/XXXX, they responded by apologizing for the inconvenience and assuring me that they were taking steps to prevent it in the future. They never addressed my request for payment by check. On XX/XX/XXXX, I received an email stating that they were working on it and blamed the delay on the migration process to their new banking system. On XX/XX/XXXX, since I had t heard from them in more than XXXX weeks, I sent an email telling them that I was out of patience and to just send me a check. I didnt get a response. Today, XX/XX/XXXX, I got a pop up notification telling me to log into their app. I did and got a message : your debit card has been verified. I tried to withdraw again and got the same error message. I just want my money. Ive been trying to get it for about 3 months this now.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (MI)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-16
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)

There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that Transunion, XXXX  and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX XXXX {$2.00}, ( # 2 ) XXXX XXXX {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX  {$72.00}, ( # 6 ) XXXX  {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX  {$960.00}, ( # 9 ) XXXX XXXX XXXX  {$30.00}, ( # 10 ) XXXX XXXX XXXX {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX {$71.00}
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (WV)

On monday when i get my unemployment check direct deposit i went on app to make sure it was there could not get on app called number on back of card was told my account was permanently suspended and not told why which i ask how to get my money back from which is over XXXX was told to write a letter to company to ask for it which i did and still no money
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (DC)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

XXXX I attempted to purchase {$170.00} worth of materials from XXXX in XXXX, TN using my business check issued by the XXXX XXXX XXXX XXXX XXXX. The check was declined by Certegy Check Services. I called Certegy Check Services from XXXX and was asked if I wanted to be placed on their VIP List. The Certegy rep said this may or may not allow the check to be accepted. I said yes. He said wait 10 minutes and try to run the check through again. I did twice ; the check was declined XXXX times. I requested a copy of the declination from Certegy Check Services. It indicates that Certegy already approved XXXX previous checks from my business checking account totaling {$600.00}. Yet Certegy declined my check for {$170.00}. They only stated that my check " matched a high-risk pattern, our automated system provided a less than favorable recommendation. '' The XXXX XXXX XXXX XXXX XXXX is a valid institution. My business is licensed by the State of Tennessee. There were ample funds in my business checking account to cover the amount of purchase from XXXX ( {$170.00} ). Even Certegy 's records indicated that they had previously approved XXXX checks from my business totaling {$600.00}. How can another check from my business be considered high risk by Certegy 's automated system? 
Bottom line. Certegy Check Services has apparently not straightened out their act as a result of the XX/XX/XXXX FTC lawsuit file against Certegy Check Services.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CT)

I attempted to add my friend as an authorized user to my Barclays XXXX XXXX on XXXX/XXXX/2016. My account was placed in a limited mode with absolutely no warning or notice given to me on XXXX/XXXX/16. I am unable to make any purchases. I called Barclaycard XXXX on XXXX/XXXX/16 and spoke to the front line CSR. She informed me that they had requested certain information from me and it was not received. She stated that the request for information was sent yesterday ( XXXX/XXXX/16 ). I received no such request, and no requests at all. I decided i did not want to deal with card shutdowns on my own account, so I asked to withdraw the request to add an authorized user to my account. The front line CSR stated that this was impossible now that the notation was on my account requesting information. I then stated that I wanted to cancel my account. I was told i could not cancel my account. I asked to speak to a supervisor. XXXX, the supervisor, restated the same inforamation that the front line CSR had stated. It 's impossible for me to fathom that I can not close my own credit card account. I have paid off the entire balance on my card, maintained a very positive relationship, and have never had a late payment.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions (NC)

This company is reporting incorrect information on my credit report. I do not have a balance with these people, I have never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have own my own home for over 20 years now. This account is fraudulent and I would like to have it removed ASAP from XXXX and XXXX reports.The account # XXXX is not my account.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX XXXX XXXX  - has violated my rights UNAUTHORIZED INQUIRY : XXXX 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 15 U.S.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 report by more than seven years.

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 2019-03-16
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. (AR)

Experian REFUSED to accept, correct, or examine my LEGAL DOCUMENTATION proof that a Fraudulent XXXX  account illegally using my name was written off for over {$10000.00} was found FRAUDULENT and I WAS NOT HELD LEGALLY RESPONSIBLE by XXXX XXXX Corporate Offices after they conducted their own official investigation. My credit score literally went from XXXX to XXXX overnight. Also, Experian previously removed the Hard Inquiry after FRAUD was proven by this account. It just popped up on my credit file overnight and said it had been on my credit file since XX/XX/2017. It DOES NOT APPEAR on any of my other Consumer Credit Reporting Agency Files.
Consumer complaint received 2019-03-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I was trying to close the costs on the rest of my payday loan sense I had pulled the loan out at the end of XXXX and I had been making XXXX dollar payments until the end of the term on the loan which was supposed to be on XX/XX/XXXX. I have already paid them XXXX dollars ( est. ) and they expect me to pay them an additional XXXX dollars sense I apparently haven't paid the full amount on the loan. What's the point of making payments if they are going to ask me to cover even more than I already taken out. I called to explain that to the operator and he told me that I was responsible for paying them more than the XXXX dollars i took out in the first place. I hope there is a way for me to cancel those payments sometime soon
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies XXXX Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.
Consumer complaint received 2019-03-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (OK)

I have been loaning with this company for several years. They have consistently held my check for 14 days after the due date to renew the loan. Suddenly, without warning, they claim they are no longer allowing checks to be held past the due date. They never informed me of this, and I have always made it clear that I extend it for the next pay period after the due date, and they never have a problem. Now they are threatening to deposit my check and cause me major problems with my bank.
Consumer complaint received 2019-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AL)

Both the collections accounts on my report or not valid they are supposed to have been paid by alabama medicaid and were obviously billed wrong. I have tried disputing them around XXXX and XXXX last year but keep reporting now im being turned down for a mortgage due to medical collections.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (OH)

I negotiated the purchase of a new home for {$430000.00}. I submitted the original purchase contract, stating a purchase price of {$370000.00}, as well as all amendments to my lender as requested with the final agreed upon purchase price of {$430000.00}. The appraisal was ordered on XXXX XXXX, 2016 and performed on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received the appraisal directly from the vendor electronically referencing a Contract Price of {$370000.00} and an appraised value of {$410000.00}. Unfortunately for me, the Contract Price was actually {$430000.00}. The appraisal even stated that the property appeared to be selling at a discount due to 'pressure to sell '. The appraiser used XXXX relocation properties and XXXX foreclosure for comparable. The appraiser appeared to be 'trying ' to get the appraised value lower and closer to the Contract Price based on several factors. 
I informed my lender at the time of the error and they contacted the appraisal vendor. I did not hear anything for a few days and eventually received a 'corrected ' appraisal reflecting the correct Contract Price of {$430000.00} but still stating an appraised value of {$410000.00}. The 'corrected ' appraisal also detailed in the addendum that they WERE NOT provided the amendments to the original contract price until XXXX XXXX, 2016 and that was the reason the {$430000.00} Contract Price was not utilized for the appraisal. As well, it was noted that the appraised value could not be changed. 
The lender was negligent by not performing the industry standard expectation of presenting the appraiser with ALL of the contract paperwork including all contract amendments. Ultimately, this appraisal could not be used for the purchase of my home due to the negligence of the lender.