davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Federal Cash Advance, LLC of Oklahoma (TX)

I received a loan from Cash Max Texas located on XXXX XXXX XXXX in XXXX XXXX Texas. 

Before I made my1st payment I was told to call and theyll tell me how to make the payment. 

I was told via phone to click on refinance and make the payment that way. I made payment and balance went down from {$500.00} to {$400.00}. Logged in next day and balance was back up to {$500.00} Was told by rep that interest that hasnt accrued yet it sue when I make payment in 2 weeks. 

2nd payment 2 weeks later. Clicked on refinance made payment. Lon amount went down to {$400.00} again and then signed new loan document thinking getting monies from refinance and logged in next day and called rep at store and the balance went back up. To {$500.00} and new loan document from online is vanished. 

Called same day and asked to speak with corporate apple with someone on XXXX from corporate finally and was told that refinance for them is only extending the payment timeframe to 72 hours to make payment in full. 

Advised corporate this process is not customer friendly or clear and concise and will eventually cause more debt than anticipated. 

There has to be some kind of standard process that can be done as this is not fair debt collecting practices. 

Pleas please help
Consumer complaint received 2023-07-03
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. (PA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-03
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. (IL)

The credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : 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 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I am XXXX XXXX, not that this makes a difference. I have made many attempts to get this problem fixed. Let meexplain ... back in XXXX  my bank account at citizens was hacked. Thats where my problem started. At the bank recommendation i closed the hacked account had a my money transferred to a new account canceled all my debit and credit cards. At that time citizens was suppose to setup a predetermined automatic monthly Payment to this credit card. They did not do so.. after I was notified that my credit score was affected by my credit card minoring company I called the bank, this was in XXXX.. The bank apologized canceled the late charge fee, and assured me the problem was resolved. Well it wasnt. I made phone calls every month to citizens regarding this problem. They in fact acknowledge that they are aware of the problem. Now it is 6 months later, I have notified the bank in person numerous times, have also made at least 50 phone call with regard to this problem. They always acknowledge that the bank is aware of the problem but they cant remove the late fees which now amount to over {$300.00} because it now exceeds the limit that can adjust. So basically they say nothing can be done. This is both XXXX  and unacceptable why should my credit score along with additional late fee charges be my fault because of the banks incompetence. Please help ... Please
Consumer complaint received 2023-07-03
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-03
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. (GA)

I am sending my complaint today in order you to inform about the wrongdoing of the 3 credit bureaus. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score. Be sure to present facts that this are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. These fraudulent items I am mentioning should be remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; 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 2023-07-03
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: Accscient, LLC (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-03
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. (SC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} FSB XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00}
Consumer complaint received 2023-07-03
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. (CA)

I am a victim of identity theft. I have never authorized those companies to approve or view my credit report. These fraudulent accounts should be removed immediately. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B.
Consumer complaint received 2023-07-03
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. (SC)

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 rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I purchased 4 tickets to the XXXX  vs. XXXX game. I paid the seller the agreed amount of {$500.00} via XXXX through my Wells Fargo app. As soon as I sent the money via XXXX the seller came back and said I owed an additional {$100.00}. I immediately contacted my bank to notify them of the fraudulent transaction. They opened a case ( Claim # XXXX ) and assured me they would handle it and I would hear back within 10 business days. This morning I followed up to check on the status and was told my claim was rejected. I find this extremely disheartening especially since I called Wells Fargo within minutes of making the transaction. XXXX must have a record of the sellers bank account and should be able to recoup these funds. It's horrible that these predators are able to take money without any repercussions. It is illegal and should be handled appropriately!
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

My home is in a DECLARED NATIONAL DISASTER area due to the wildfires, I have applied and requested disaster assistance and forbearance but in the middle of the review my loan was transferred to a new servicer and they will not push or hold the sale date to review the disaster request. I have tried to contact them for over a week but they kept telling me that they do not see my account information because it is in the transfer process. I have a sale date in 3 days, but I am a disaster victim. Please help me
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to express serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transaction that were not initiated by me. According to the FCRA, thus can only be done if I have given you authorization to do so. Since I have not authorized any such transaction, it is clear that your agency violated the law. 

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However I want to ensure that your agency also removes these inaccurate information from my report. 

Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681 n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustain by the consumer, which can be a minimum of {$1000.00}, which is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me a copy of written signature that given consent to this matter, In the absence of such evidence, I demand that you immediate rectify the damages caused to my credit score and remove all inaccurate information. 

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my XXXX XXXX XXXXXXXX account to a Chase Account . I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank XXXX XXXX and filed a fraud claim on XXXX. I provided Bank XXXX XXXX with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. XXXX XXXX XXXX initiated a fraud claim. I constantly called to get updates and XXXX XXXX XXXX check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and Fraud Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. XXXX XXXX XXXX never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XXXX XXXX XXXX I was contacted by XXXX XXXX Resolution Specialist at XXXXXXXX XXXX XXXXXXXX XXXX She told me XXXX XXXX XXXX is not going to get my money back from Chase bank. She stated I can call Chase Bank and ask for my money back. I contacted Chase Bank and was told these claims are handle bank to bank. I was told by Chase bank I can not do anything and to have my bank contact Chase Bank. XXXX XXXX XXXXXXXX is giving me inaccurate information in an effort to circumvent returning my money and closing my claim. 

XXXX XXXX XXXXXXXX is blaming Chase bank for not returning the money.
Consumer complaint received 2019-01-14
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc. (NY)

I received a call from RMS Recovery Management Services on Thursday XXXX XXXX. The female who called said I had to pay at least {$50.00} a month on the account. I had previously advised them that I could only pay {$20.00} a month. She refused to re-set up direct withdrawl monthly unless it was {$50.00} a month and would not help any further. I tried to set up the automatic monthly payments online, Again, it would only allow me to do so with a monthly payment of {$50.00} a month. Sounds like to me that she gets a commision if {$50.00} a month is paid, not {$20.00}. 

The reason it went to collections from XXXX XXXX was that, I could not afford the {$50.00} a month. If I could, then it would not have gone to collections. It was supposed to be taken care of by a student loan but I dropped classes and did not realize that would happen.
Consumer complaint received 2023-07-06
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (OK)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy... THESE COMPANIES ARE NOT TO VIOLATE THAT ESPECIALLL WHEN THERE ARE SECURITY CONCERNS AND A SECURITT FREEZE ON MY CREDIT. 1 5 U.S.C 1 681 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
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IN)

Although i got what was and is mine it took my mother passing away to gain access to what was mine after months upon months of explaing, arguing and hours and days took up with this place apparently all it took was my mother to die to access it... ..honestly wouldnt even be surprised if stressing over this didnt help the matter but cant say for sure... ..im still angry and distraught over everything that has happend with this place for the hours lost via calls and messages and arguing ... ... the easiest i had it was after my mothers passing i needed to have the money for her cremation upon walking in the bank manager knew who we was after one of the tellers told her my name and account number and they was quick to get a check and cash it almost as if they was happy that they was done dealing with me and my wife ... ... and excuses even came about the situation of someone acting as me and me having proof of it sorry but im still upset... ..no bank should ever do somthing like they did i now daily keep a close eye on my credit information and other accounts in fear this person is still trying to actively act as me but luckily my current bank does take there ( unlike here ) security very very seriously ... ... sorry but im still angry... .any normal person would be