davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (MI)

On XXXX, I was trying to obtain a payday loan or short term loan. 
I applied for one on line, and then I received a barrage of texts and emails from other lenders, which confused me. 
One company in particular represented that I had already applied and been approved for a loan, but I didn't think that I had actually applied at first. I must have, because they had my credit union account information. 
I looked at the terms and knew that it was a usary rate, so I went looked at reviews of on-line loan companies and ultilmately chose a different one. 
A few days later, {$800.00} was depostied into my checking account by Explore credit, which is the company that I desribed above as having represented that I had been approved for a load that I did not remember applying for. 
When automatic payments to pay off the {$800.00} dollars started coming out of my account, I firgured I should repay the money that they deposited into my account. 
I didn't notice at that time, but the company was taking automatic payments ever two weeks of {$210.00} for an XXXX dollar loan. I noticed two payments, and thought it was coming out monthly. 
In mid-XXXX  of this year, I started receiving texts from Explore Credit about a missed payment. I had been overdrawn, as I am separated and struggling to make ends meet at the moment. 
So I went onto their webiste, and created a login, and went to the portal to schedule a payment. 
The amount that it stated I currently owed was around {$1300.00}. I would state the exact amount, but it changed literally as I watched it, the amount jumped /changed to over {$4000.00}. I think approx {$4800.00}. I was certain this was just a mistake, but then I went into my credit union records, and they had been extracting {$210.00} every two weeks. The total amount that has been paid to date is {$1000.00}. 
I tried texting back one of the representatives that had been texting me, and they urged me to get on the phone to renegoaiate. So then I went to the XXXX XXXX XXXX website, and read many, many complaints against them. They have a rating of an F. 
So then I tried reaching out to the company ( Explore Credit ) on their website, the Contact Us feature. I tried to submit my complaint to them three times, each time I received an error and a message to try again later. 

I am certain that there is some degree of fraudulent activity, and the company does not seem to be in jurisdiction, as it appears to be XXXX XXXX XXXX owned. 

Is there anything I can do legally to settle this without repaying {$4800.00}?
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Experian Credit Bureau employees have added the " Closed Discharge Chapter XXXX Bankruptcy '' information dated XX/XX/2011, a second time by adding all companies listed in the Chapter XXXX, onto the open Derogatory Current Information. This action was done by a Experian employee for personal profit or personal gain. This is a Discrimination action so that a " HIGHER INTEREST HIGHER COST '', Denial or both. also causing a LOWER FICO Score. I am a XXXX XXXX Veteran and being Discriminated
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that my rights, as protected by the Fair Credit Reporting Act ( FCRA ), have been violated by the following creditors : Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXXXXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX, XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX XXXXccount Number : XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX  Account Number : XXXX These violations directly affect my financial well-being and have caused undue stress and hardship. While I understand that errors can occur, the frequency and severity of these violations have significantly impacted my ability to secure favorable credit terms. This situation has also led to emotional distress and hindered my pursuit of important life goals, such as obtaining a mortgage for a stable home environment. 

I kindly request your intervention to enforce the legal protection afforded to consumers under the FCRA. I urge the creditors mentioned above to investigate and rectify the inaccuracies, unauthorized inquiries, and violations outlined in this letter. Furthermore, I request the removal of the unverified accounts associated with the aforementioned creditors from my credit report. 

I appreciate your prompt attention to this matter and trust that you will ensure that my rights are upheld. Please inform me of the steps you take and the resolution reached. I can be reached at [ your email address ] or [ your phone number ] for any communication related to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (CA)

So, two years ago, I opened a credit card line with Fortiva when my wife and I were buying furniture for our then new apartment. The credit card was paid off and was left open. This last week, I got a notification from my XXXX XXXX account that an account was closed and opened. I looked into it and found out that Fortiva had closed my original credit card account that I opened 2 years ago and opened a new one. Without my permission. I called Fortiva and asked them about this and they said they sent an email a few months ago saying that there were canceling credit cards that were associated with that furniture store. If customers didn't reply to this email, that they sent, Fortiva was automatically going to close the account and open a new one. Upon doing research online and contacting XXXX, I found that this is illegal that a bank or credit card company can not open an account or line of credit without permission of the customer. I did not give permission, this damaged my credit, and I am having to do a lot of work to reverse this. I opened a claim with XXXX and I will be filing a police report.
Consumer complaint received 2023-08-14
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed this account with Experian, XXXX and XXXX several times. Most recently on XX/XX/. I asked for a contract and proof of debt. I did not receive any documentation of the this alleged debt until I filed a complaint with CFBF. 

My problem is with the verification of this account. How was the account verified as accurate as reported on my credit report? Experian, XXXX and XXXX all allegedly completed it's investigation into the account it came back verified. XXXX XXXX provided me with an " itemized '' bill that I have never seen before. The bill does not have my correct address on it nor is it accurate. It has an address different from the address on my credit report and a different address from the driver license that they attached to the bill. The driver 's license belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Texas XXXX however, the bill belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Texas XXXX. My name is XXXX XXXX XXXX, I have never resided at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This account has been mixed up or merged with another account. It is not accurate. 

Be advised that this IS NOT a dispute or another opportunity for you to reinvestigate the previous dispute. The period to conduct such a reinvestigation has expired and shall not be extended by law. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation. As a result, please delete this account. Additionally, as per the FCRA, you are liable to me for damages for you conduct. In addition to deletion of the disputed account, you are demanded to send a check in the amount of {$1000.00} payable to XXXX XXXX XXXX.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Since XX/XX/XXXX had a Credit Card with XXXX XXXX. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I was late on my payments, so then XXXX XXXX closed the card and the account. I then continued to receive calls from the XXXX XXXX collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.
Consumer complaint received 2023-08-24
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)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-08-24
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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.

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 2019-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

On XX/XX/XXXX I logged in to check my credit reports on XXXX XXXX  and found that on my XXXX  report there is a collection item that says was opened XX/XX/XXXX in the amount of {$140.00} dollars that I do not owe this company called Credence Resource Management.I have never opened an account with this company and have never received any bills or letters from this company that I've never heard of in XXXX, Michigan. I do not owe these people anything and I am requesting that this company removes this negative item from my any credit bureaus that they have reported to. My score has dropped 66 points because of this item that this company says I owe them! I have never had any business dealings with them and request that this is removed immediately!
Consumer complaint received 2023-08-11
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. (MS)

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.

has violated my rights. Or list of inquiries 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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.

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 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-08-24
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2019-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

When my Son was born in XXXX, my Father purchased a Certificate of Deposit for {$1000.00} from Wells Fargo in XXXX, Ca with my Son 's name as the beneficiary ( XXXX XXXX XXXX ) .This certificate was supposed to automatically renew every 30 months. My Father passed away in XXXX. I recently tried to check on the status of the certificate and the bank says there is no record of that number and all the records have been purged.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft, and did not make the account for XXXX XXXX XXXX. I am requesting that the item ( s ) be blocked to correct my credit report. Enclosed are copies of the report from FTC supporting my position. Please investigate this matter and block the disputed item as soon as possible.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

Its a follow up on pervious case XXXX The case is about a fraud case. USAA responded to me confirmed me that the bank account I sent money to didnt exist at all, so the scammer gave me a wrong number which is a good news to me. From my side XXXX XXXX said the intermediary bank confirmed my money has been sent to USAA bank. If the recipient and information is not correct, the money should be refund to my account, however its a month already, USAA bank didnt response to XXXX XXXX enquiry, nor refund the money to me. So now USAA bank is holding my money. 

Here are the transactions details : XXXX XXXX USD XXXX XXXX XXXX USD XXXX Recipient name. XXXX XXXX XXXX XXXX hope this will help USAA bank to locate the transaction in enquiry and response to XXXX XXXX immediately, and then refund the money to me.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (WA)

I leased a new Hyundai SUV for 36 months that got totalled in the XXXX month of the lease. My insurance company paid off the car but the total payments maid to HMF are more than $ XXXX more than the cost of a brand new like SUV based on the total amount paid by me towards the lease and the check sent by my insurance company. My insurance company has informed me that XXXX should have refunded me the overpayment that totals approximately XXXX more than cost of the new car to replace the one that was totalled. XXXX is refusing to refund me that amount citing a clause in the contract that stipulates that any and all insurance proceeds are the property of XXXX. This is not industry standard per my insurance company and XXXX is being unfair and unethical in their conduct regarding this practice.