davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (TN)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE LOAN ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX 2XXXX XXXX  3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit report. I filed another complaint number XXXX on the CFPB website on XX/XX/2023 in reference to more inaccurate information I saw on my credit report. I have made these inaccuracies known to TransUnion. Nothing has been corrected on my report and TransUnion has claimed to have investigated and verified the accuracy of the information. TransUnion claims to have determined the information including my dispute information. TransUnion is accepting monetary gain from the furnishers of the inaccurate accounts as well as accounts that don't belong to me. TransUnion is engaging in parroting and TransUnion has not properly investigated ANY ACCOUNT furnished to my report and continues to defame me for financial gain. TransUnion has recently been found guilty of these same offenses by the CFPB and the FTC. TransUnion is claiming to agree to settle the invoice yet is requesting authentication documents that I do not have nor am I required to possess such documents by federal regulation, yet TransUnion has attained such nonpublic information against my will. I have never surrendered any non-public information or documents to TransUnion nor instructed TransUnion on what my report should entail, although they have taken it upon themselves to assume this vital role for monetary gain. Trans Union is still allowing collection attempts despite the accounts being under investigation because TransUnion is monetizing the inaccuracies on the report. These are the names of the specific items on the report in question, XXXX XXXX # XXXX {$700.00} the reason you for disputing is inaccuracy ; XXXX XXXX XXXX XXXX # XXXX {$220.00} the reason you for disputing is inaccuracy ; US DEPT OF EDUCATION # XXXX {$2400.00} the reason you for disputing is inaccuracy ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  ACCT IS PAID & NEVER BEEN LATE the reason you for disputing is inaccuracy ; XXXX XXXX XXXX # XXXX {$910.00} the reason you for disputing is inaccuracy.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I have a checking account and a credit card relationship with Wells Fargo Bank. 
On XX/XX/2023, I received a FORM XXXX XXXX from Wells Fargo Bank claiming that I had a Box 3 income of {$8500.00}. The form had my correct name, address, and last four digits of XXXX. 
On top, the form said the statement could be a XXXX information return, XXXX mortgage interest statement or XXXX student loan statement. I do not have a mortgage or student loan with Wells Fargo. I have checked my credit report and confirmed this. 
I called customer service. They could not find any information on this form. 
I visited the bank. They could not find any reason why the form was provided. 
I'm at a loss to understand what to do. Obviously, the form had to be generated by a system. Why wouldn't Wells Fargo not be able to find out which system generated the form and for what reason? 

My fear is this is a repeat of the fake accounts scandal where someone internal has used my SSN to open some accounts and evade taxes.
Consumer complaint received 2022-06-17
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. (CA)

I ordered a copy of my report in XXXX  dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XX/XX/XXXXXXXX XXXX Late Dates : XXXX for I believe it was reporting in error.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

Lets say my credit limit is $ XXXX. I make a charge for $ XXXX. I then immediately pay the full amount. There are no other charges. 

Chase says my available credit is now XXXX ( actually XXXX ) because my payment is large and so is on hold. I confirmed this with four different customer service reps. 

If I hadnt paid at all, my available credit would be $ XXXX. If my bank canceled the payment for whatever reason ( i.e. the reason the payment is " on hold '' ), my available credit would still be $ XXXX. 

This makes no sense, and I am unable to use my credit card because I paid it early.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX, XXXX and Complaint  against Bank of America and XXXX XXXX XXXX. 

From XXXX to XXXX Bank of America accepted my money which were processed and endorsed by XXXX XXXX XXXX XXXX under unknown to me authorities into an account owned by unknown to me parties. 

In XX/XX/XXXX XXXX XXXX XXXX paid for my home Insurance for property located at XXXX XXXX XXXX, XXXX, XXXX, under unknown to me authority. 

In XX/XX/XXXX I received unsigned " Total PayOff Statement '' from XXXX, XXXX where I was directed to wire my money to XXXX XXXX XXXX, who provided me routing number which belongs to XXXX XXXX  XXXX XXXX where XXXX XXXX XXXX XXXX XXXX XXXX is on Board of Directors. 

When I asked XXXX XXXX XXXX to verify ownership of this account, XXXX said that they act as banking institution for XXXX XXXX XXXX XXXX XXXX XXXX This is a lie. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), is a fictitious corporation XXXX XXXX XXXX XXXXXXXX ], which was formed on XX/XX/XXXX by XXXX XXXX XXXX XXXX who was financed by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX XXXX ) as founding co-sponsors. On XX/XX/XXXX XXXX, XXXX and XXXX formed XXXX XXXX XXXXXXXX XXXX ( XXXX ), with only one initial filing. They never filed any mandatory Corporate disclosures or Statements of Publically Traded company in XXXX so as a corporation, XXXX is as fake as XXXX. XXXX is managed by XXXX XXXX XXXX XXXX XXXX, a wholly-owned subsidiary of XXXX XXXX XXXX XXXX XXXX and an investment adviser registered with the Securities and Exchange Commission that specializes in mortgage assets [ which neither XXXX or XXXX never had ]. Their correspondent production operations are conducted on a fee-for-service basis by another XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which also services most of the loans in their investment portfolio and the loans for which the retain the obligation to service. { which is a lie because XXXX does not service anything ] Thus, XXXX XXXX XXXX, XXXX can not be my creditor under its own corporate structure, even IF XXXX were a real corporation, not a fictitious entity registered for the use of its name only, similar to America 's Wholesale Lender which was not registered at all. 

On XX/XX/XXXX XXXX sent me a Form filed by unknown to me parties where my alleged " loan '' is " pooled " with XXXX XXXX XXXX on XX/XX/XXXX. So, its unclear how defunct since XXXX XXXX can hire XXXX XXXX XXXX to transfer my Mortgage to fake corporation XXXX if this mortgage was pooled in XXXX security three months earlier. And whom fake corporation XXXX is servicing all this time. 

I demand disclosures from BOA and XXXX who is the owner of accounts where my money are deposited or demanded to be deposited ; the name of the Company and its authorized officer who hired XXXX to make the payment for my home insurance
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

Some time ago, I applied for and was approved for a line of credit with NetCredit, with the expectation that it would function as a genuine line of credit and not as a cash advance. However, in recent months, I have come to realize that my " line of credit '' is operating more like a cash advance, which was not what I was originally promised. 

Since I began using this supposed line of credit, a total of {$1000.00} has been debited from my account, and I have been making bi-weekly payments for the past six months. Despite these payments, I am shocked to discover that I have a balance of {$650.00} in hidden charges. Additionally, the principal amount I owe remains nearly the same as the initial loan, amounting to {$750.00}. 

The advertising that initially attracted me to NetCredit promised a true line of credit with clear and transparent terms. However, the reality has been entirely different. I feel deceived by this situation, and it is unfair that a significant portion of my payments is being credited to hidden charges, while the principal is barely decreasing. 

I demand that this situation be clarified immediately, and the necessary corrections be made to my account. I want my payments to be properly applied to the borrowed capital, and for the structure of charges associated with my line of credit to be clearly and accurately disclosed. 

I expect prompt action to address this concern and resolve this issue fairly and equitably. I appreciate your immediate attention to this matter and look forward to your response to rectify this misunderstanding satisfactorily. 
Also, in Florida the maximum APR for loans in30 %, they are too high.
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (TX)

Hello, I have been contacted for a debt that was a workers comp situation and the hospital took all my insurance information. 

I submitted all insurance information upfront. They knew before hand this was a workers comp situation and had requested my insurance before my appointments. I am not sure why I am getting contacted now. This should have been taken care months ago.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX bankruptcy 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 XXXX XXXX bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-08-19
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. (FL)

In accordance with the Fair Credit Report XXXX XXXX XXXX XXXX act # 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.

I did not create any action to overdraw my account... that was created by the issuer for finance charges and fees. If I went over my limit on my own accord the charge would be declined. Since the bank does it then it is accepted and I'm penalized..
Consumer complaint received 2023-08-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Imperial Recovery Consultants, LLC (NV)

My mom got a call from imperial recovery consultants advising her that they will send a complaint to the court for felony fraud for a pay day loan I took out in XXXX with XXXX XXXX XXXX. My mom called me worried gave me a XXXX and a number to call .I called XXXX he said he is with irc and said he will have the lawyer 's from his company send off a complaint with the state of nevada for fraud for a checking account I closed in XXXX, in which stopped XXXX XXXX XXXX from collecting payments. I got scared because I have a high risk XXXX. I paid XXXX {$400.00} towards a {$810.00} loan for XXXX XXXX XXXX. I called XXXX XXXX XXXX to confirm they sold the debt to Imperial recovery consultants. XXXX XXXX XXXX advised me no and gave me the name of the collections agency that they sold the debt too which is XXXX XXXX. XXXX XXXX XXXX advised me to reach out to XXXX XXXX to settle the debt. I called XXXX XXXX spoke to XXXX, she advised me they bought the debt the date and year and they still have the debt. I told them about Imperial recovery consultants they advised me that they don't know who this company is. I want my refund back for {$400.00} and I don't want this company contacting me or my Mom again and I don't want them attempting to withdraw any more money from my debit card. I'm working with XXXX XXXX to take care of this debt.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

Once student loans went back into repayment, I applied to be put into the XXXX plan on XX/XX/23 which my application is still " pending '' 2 months later with MOHELA loan servicer. When checking on my online account, I was unwillingly placed into " administrative forbearance '' with out my consent. During this time there is 3 different areas on my online account that states I owe 3 different amounts ; NO payment due, {$30.00} due and {$75.00} due. How am I supposed to know which one to pay? I tried calling about 3 weeks ago before XX/XX/23 when payment was due and I was placed on hold for 2 hours and they eventually hung up on me. Now, I get a notification that my loan interest is going to be {$15000.00} and will be added to my principle balance. Number 1, where are they getting these interest numbers? and 2, interest should have been stopped during the covid forbearance? There has been NO CLEAR communication by MOHELA during any of this repayment OR the fact that I applied to be placed into a different payment plan. What they are doing is fraud and taking advantage of a very confusing time. They should be held accountable.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (IL)

There has been several inquiries that I did not authorize. 
XXXX XXXX XXXX US Small Business Admin XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I would like these removed from my credit report as I did not authorize these inquiries.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed inaccurate information with Equifax and they have not done a thorough investigation nor supplied me with the proper validation of the said debt and inaccuracies that are reporting on my credit profile. There are several accounts in which I have proven to be inaccurate. I have called and spoke with representatives who have disconnected my calls, transferred me to departments who could not assist, and sent multiple letters requesting a FAIR and just investigation and they are being non compliant.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Alleging Creditor and Account as is reported as having a late payment my credit report : 1. XXXX XXXX XXXXXXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX 2. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and make fraudulent activities. And You are violating my rights! by reporting these accounts on my report. 

I request that you provide evidence. 
to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX auto finance has now reported a late payment to the credit reporting agencies, even after the account was disputed and it eas never released the information that was requested, consent eas never given to release private information to a third party and late payments are not apart of credit transaction. This account has been under investigation for securities fraud as well as a complaint has been filed for tax evasion of the creditors by the consumer.
Consumer complaint received 2023-10-21
Product: Credit reporting 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: EQUIFAX, INC. (NC)

I have had no luck obtaining my free annual credit report from all three credit reporting agencies. I am respectfully requesting these copies through the CFPB as a middle third party to see that my request is sincere. Thank you.
Consumer complaint received 2023-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NC)

I applied for a loan at this company around the end of XXXX and was approved for {$960.00}. I had XXXX more payment of {$270.00}. XXXX payments have already been deducted from my XXXX  account. I called XXXX minutes ago to speak to an agent and I stated that I have more more payment of {$270.00} and she tells me no, you have a total of XXXX payments totaling over {$2000.00} No maam and I need to speak with a supervisor but they all are busy. 
THIS IS STEALING and extortion. 

PLEASE HELP ME.
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring to your attention a matter of concern regarding my credit report, specifically in relation to TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding certain inaccuracies present on my credit report. To date, TransUnion has not responded to my inquiry. I am seeking assistance in rectifying this issue. Below, I have outlined the inaccurate information and the necessary corrections : The account under the name " XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX ) does not belong to me. I request that it be removed from my credit report. 


The account attributed to " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, XXXX : {$670.00} ) is not associated with me. Please remove it from my credit report. 


The account in the name of " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) does not pertain to me. I request its removal from my credit report.