davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (FL)

This complaint is in regards to Equifax Credit Bureau 's response to CFPB Complaint # XXXX. Equifax states that the identification information provided does not match their records. My name and address have been the same for nearly twelve ( 12 ) years with my name being the same for the last twenty-two ( 22 ) years.

Additionally, I have attempted to address other concerns with Equifax Credit Bureau before filing a complaint and Equifax had no previous issues with my identification. I also sent an email to the customer care center on XX/XX/2022 informing Equifax of my intent to file a complaint and requested a call back from a manager that I did not receive. So Equifax also has my email address. The email included my name, address and telephone number. Equifax could have contacted me directly to avoid additional delays if any additional information was needed. 
I am attaching the following : ( 1 ) copy of my social security card ( 2 ) copy of a current utility bill with my name and address ( 3 ) copy of the Equifax response to CFPB Complaint # XXXX dated XX/XX/2022
Consumer complaint received 2022-05-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent out a letter to all 3 credit bureaus ( TransUnion, XXXX, XXXX ) about them reporting several inaccurate names and addresses. I received a response from TransUnion on XX/XX/2022 that had an issue date of XX/XX/2022 acknowledging the receipt of my letter but questioning if I had sent the letter or had help. I decided to call of 3 on XX/XX/2022 to request that the incorrect names and addresses be removed. TransUnion said they removed all incorrect names and addresses. XXXX said they removed all incorrect names and addresses. When I called XXXX, I spoke with a representative XXXX stated to me " Though you say that name is not yours it is being reported by a creditor and therefore we can not remove that name. '' I stated, " but it's not my name '' and he reiterated that he can not remove the incorrect name. After going back n forth for 10 minutes I asked if I could speak with his supervisor. He continued to insult me and tell me I don't know my laws and refused to put a supervisor on the phone before asking me to hold and then hanging up after placing me on hold.

According to 15 USC 1681s-2, reporting information that a consumer reporting agency is aware is inaccurate after notice by consumer that the information is inaccurate violates consumer rights and therefore XXXX is not in compliance.
Consumer complaint received 2021-03-31
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. (IN)

there are several names on my credit that i never went by and addresses that i never lived at. i contacted experian to correct and they refuse to remove any names or addressess. i am concern this is a product of identity theft.
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$7200.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$3400.00}
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I have been making payments on this loan for over 18 months and my balance is even higher than the original loan amount. I didnt realize they are charging me a 59 % interest rate until I did some further diving into the loan details. When I inquired about bringing the interest rate down, I was told this wasnt an option. This is XXXX LENDING
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc (MO)

I have requested validation of an item reported to by MCA Management for a bill associated with XXXX XXXX XXXX XXXX. Instead I received my confidential medical records ( XX/XX/21 ) in response without a prior written release, the third party agency, clearly violating my rights under HIPAA and ( FDCPA ) as the debt was paid in full to XXXX XXXX XXXX XXXX. I am allowed under the Health Insurance Probability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXXXXXX XXXX for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization especially as this debt is no longer owed to the original creditor. 
I again reached out to MCA Management to ask them to remove this from my credit report ( XXXX XXXX and XXXX ) however, this debt is still reporting as owed however I do no owe any debt and the debt has not been validated.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo claims to have responded to numerous prior CFPB complaints regarding missing remediation payments in the amounts of {$3700.00} plus IRS taxes and {$500.00}, also including IRS taxes. I've reviewed replies and they either refer to checks as cashed and or verify address, refer to prior replies which also state the same, checks cashed and or address verified. I can assure the CFPB address was not verified and checks were sent to old address in which case, not cashed by myself. I moved to current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XXXX of 2020, payments were sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Further, neither payment covers damages sustained to date by these unauthorized accounts, which I detailed in prior complaints, also unresolved. The payment in amount of {$3700.00} was reported to IRS for tax year 2020, needs to be corrected to show no payment received. Needless to say, past CFPB replies do not address issue of missing payments and inadequacy,, also stated in prior replies which Wells Fargo reps have not refuted. Further, no affidavit for checks cashed fraudulently sent to me.. Also, I requested statement copies mailed to me for all accounts, past and current, nothing received to date via postal mail. These statements are needed for investigation by an attorney.. Alternatively, Wells Fargo has the opportunity to resolve matter by offering a reasonable settlement amount including missing payments which I detailed in prior CFPB complaint, no offer provided. Good faith attempts were made by calling Wells Fargo remediation at XXXX, spoken with several supervisors including a XXXX and XXXX, they have no information in regard to missing payments or request for reasonable settlement offer to date. Also, I've been calling Wells Fargo Executive Phone Bank at XXXX, spoken with numerous reps, referred to either XXXX Settlement which has nothing to do with remediation or given a case number in which case, nothing done, case closed out with no resolution.. In closing, please advise Wells Fargo they still have an opportunity to resolve directly by offering a reasonable settlement amount including missing payments.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CA)

PayPal Fraud I was looking to get money from my work collogues to purchase a XXXX XXXX  Gift Card for someone our work who retiring. On XX/XX/2021, I used my PayPal account to receive over a dozen donations of over {$300.00} that I would then transfer to my personal XXXX account. In the subject line, I put the name of the retiring worker and was not informed that I would need to verify the personal information of a name on the subject line which read, XXXX XXXX retirement- XXXX XXXX Gift Card. 

PayPal took the funds but would not release them to me unless each individual contacted PayPal to verity the retiring workers birthdate. When I called to inquire with PayPal 's supervisor, XXXX XXXX XXXX XXXX, I was told by PayPal this is a government regulation. I asked if I could read this regulation or be told where to find it and they did not have it. I don't have personal information for the retiring worker whose name I put on the subject line and asked if I could use something else. I was then told the money could not be returned or processed unless each person contacts the PayPal 's resolution center. 

Because I am not able to get personal information for a name put on the subject line, such as birthdate, Social Security or Mother 's maiden name for a person that is not part of the transaction, my money is frozen by PayPal and will not be returned or released to me. This is fraud and theft by PayPal. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Pintor Partners, LP (TX)

I do have a personal loan with Barri Finance Co. located at XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX. On XX/XX/2020 I was visited by Mrs. XXXX, the manager, requesting the payment of the loan. I told her that I had called them previously requesting their consideration to place me under the Covid-19 program to give me a prorogate to make the payment as soon as I receive any income since I am not working yet, but I would be going to Barri Office to make a payment by XX/XX/2020. When I made the payment of {$100.00} she stated I do have {$30.00} late fee charged for the months of XXXX, XXXX and XXXX. I told her that according the Covid-19 program no charges will be done, but she said that Barri Finance Co. has the policy to charge late fees even that Covid-19 program is in effect. I have been doing the payments. I do have until XX/XX/XXXX to make the payment of this month.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CA)

Account with Milestone was fully paid off and closed with a XXXX balance on XX/XX/XXXX of 2022. Milestone has reported me as being 90 days delinquent and now claim I owe them {$190.00}. Small claims can not be filed against them because they are not registered in the state of California. Why is Milestone allowed to continue to bill me after the account has been fully closed? Please tell them to close it out again with a XXXX balance.
Consumer complaint received 2022-03-31
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. (GA)

accordance with 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 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (SC)

In XX/XX/XXXX i was notified that Regional Finance reported to the credit bureaus that an account that is paid off as having a balance of {$1100.00} and 30 day late remark. That IS NOT TRUE! I paid this account in full on XX/XX/XXXX, I have bank statements showing the funds deducted. Ive received the title for the vehicle I paid off. The company had already updated the account to a XXXX balance and payoff date to the credit reporting agencies. This company has violated the Fair Credit Reporting Act by reporting this account twice.
Consumer complaint received 2022-08-15
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. (OH)

This is my XXXX 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, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} XXXX  Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have banked with fifth third for a long time now and they only allow two reversal overdraft fees in a year. When Covid hit my husband lost his job and his direct deposits stopped due to income drop. We had to totally re structure how we were going to pay for things on auto draft and have tried to cut back as much as possible on expenses. Since covid I have probably paid {$2000.00} if not more in fees. I have had to use my overdraft protection more than needed due to paying bills while stretching to pay day. Recently this year I belive they up all their fees. They used to charge {$5.00} extra if your account is overdrawn more than 10 business days. Now it is {$25.00} and five business days?? How does that not seem insane.

Also I have made an error and accidently debited from the wrong account, I quickly transferred the money from the other account over and made the account positive. I called to make sure no fee would be given and was told no, the next day there was the fee and for {$37.00}! 

Fifth third had the highest fees possible.

I have switched to a new account fifth third offers to help with overdraft by giving you an extra day to cover the funds. But the account will only cover up to XXXX of overdraft where my other account would allow more to be paid. So it doesn't not help for any emergency situation. 

I really want to keep my banking relationship but the fees thst have been paid is insane and now there are products like chime that will pay you earlier and the fees are much lower, plus they will float you as long as you have direct deposit set up. Also I find that I can withdraw my money at more ATMs with out getting a fee where as fifth third only allows their atm for withdraw and its always a minimum of {$20.00}.
Consumer complaint received 2022-08-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson, Blumberg & Associates, LLC (IN)

In XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) we submitted two signed third party authorizations, from borrower XXXX XXXX twice and their own call records show XXXX XXXX called XXXX  and the Bank XXXX XXXX XXXX XXXXXXXX, requesting they provide me with a pay of borrower XXXX XXXX 's loan. They refused to do so but their attorney 's XXXX XXXX and XXXX XXXX lied to two court, XXXX to federal bankruptcy court that we could go across the street and get a mortgage, which I could not because they refused to give us a payoff, and XXXX XXXX stating a payoff could not be provided because he had to protect his client, XXXX XXXX 's privacy, when in fact XXXX was fully aware his client XXXX  had two authorizations and neither his firm nor XXXX XXXX XXXX did not represent the new master servicer Bank XXXX XXXX. I spoke to Bank XXXX XXXX who advised me that both authorizations I submitted in XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) from borrower XXXX XXXX were sufficient for XXXX to have provided me a payoff letter. The new law firm in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, Managing Member Johnson , Blumberg & Associates , LLC Attorneys at Law, representing Bank XXXX XXXX responded to my complaint # XXXX, by falsely stating I had stated that I had never gotten a copy of the foreclosure judgment, which was a lie, as I had never stated that. Further he NEVER offered to provide me with a authorization for his client Bank XXXX XXXX, who in fact provided me their payoff authorization for borrower XXXX XXXX to sign earlier this week. This is a continuing violation of federal law and FDCPA.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have a bankruptcy on my report that I have been trying to dispute. I have mail documents from XXXX XXXX and my local court house and experian still refuse to delete this information. I have asked this company to send me the verification information and have yet to receive this information
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

I've disputed the account numberous of times and XXXX and XXXX states account is verified. I've also asked XXXX and XXXX to prove to me how was it verified. Neither bureau was able to disclose to me what methods they took to verify that the account is accurate. 

My consumer rights are being violated. The inaccurate information that is reporting on my accoun is unfair and unequitable pursuant to to 15 USC 1681 ( a ) ( 4 ) I've attached a report from XXXX indicating that this accoun has already been removed from my profile. 

I demand removal of this inaccurate account reporting on my profile. Remove account XXXX from my report.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Listed Accounts Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX