davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 1681 c. ( 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 a gainst you!
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

On XX/XX/XXXX I got an alert on my phone on some transactions on my debit card I call right away and told them that I didn't authorize them to put a stop they said they couldn't I would have to dispute wish I did and they got deny. The only thing they put on the letter was there were digital evidence. So I call them to ask them that I wanted prove evidence that they had that I did the transactions she didn't know what to tell me. She said I need documentation to prove I didn't do the transactions I told her there from a different state I live in California. The transactions are XXXX XX/XX/25 total money {$490.00}. The stuff they bought its for men testosterone pills. The bank is money network
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I called the first time on XX/XX/XXXX as my check usually comes early and again almost every day for over XXXX times and tried online chats as well. Trying to find out where my XXXX XXXX payments went and Chime had it all along, now XXXX  days. They were rude and acted as though they were some kind of gatekeepers and pretending they werent sure who I was. The money was so late my phone was turned off and I have to pay {$270.00} now to XXXX XXXX to get it back on, I was kicked out of my home cause my landlord of XXXX years thought I was lying. ; Plus some Very important things were not taken care of and because of this.. it would he hard to say what monetary damages would be!
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

i have XXXX my friend sent me a total of XXXX dollars so that i could make my co pay and get my medicine. it was sent to me in XXXX separate transactions on venmo. the next thing i know i go to withdrawal the funds and the account is frozen. i had already been verified but yet i resubmitted my identification along with birthday and social security number. then i received an email saying my account was deactivated and after XXXX days i could ask to retrieve the money. that is unacceptable i am still without my medication and no explanation as to why my account was deactivated. at this point i want nothing to do with venmo i just want my money
Consumer complaint received 2024-02-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MN)

I have a payday loan with Wahido Lending, dba River Valley Loans. I took the loan in XXXX of 2023 for the amount of {$200.00}. I didnt know the interest rate, and they dont tell you until after you hit accept. I accepted the loan and read the interest to be 69 %, I agreed because payday loans are higher. After several months of paying {$25.00} a week, I started questioning what was going on. I received no email for account setup and had no idea what website to go to, so I did a simple web search and found it and set up my account. I am looking for payment history, there is nothing. Looking for the amount left to pay, there is nothing. Found how much I owe and its a {$1000.00}, with a pay off today amount of {$270.00}. Now I am extremely concerned and confused, I look and see that my interest rate is 690.29 % and once all said in done I would pay a total of {$870.00} in interest. Go on to read on there website that they do not give loans out to Minnesota residents, yet they gave me one, I live in Minnesota!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (TX)

I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXXXXXX XXXX file # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX. Referencing my anticipation of a possible tax refund. Conn Appliances may request a 1099C form with the Internal Revenue Services to cancel debt of XXXX XXXX. 
Attorney XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX and Conns XXXX XXXX, placed a lien on my XXXX  and My XXXX XXXX XXXX  checking and Saving and received {$2700.00} from both accounts., I did file a complaint with CFPB XXXX. I received a release from XXXX XXXX and Conns. And today I received a letter from XXXX XXXX demanding an additional amount of {$1600.00}.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (CA)

This was an auto insurance ( XXXX XXXX ) claim for a car rental ( XXXX XXXX XXXX  ). XXXX XXXX paid {$890.00} of the total claim of {$940.00} difference of {$54.00} ( loss of use ). This amount was excluded due to XXXX XXXX failure to provide the required supporting documentation. XXXX made several attempts to obtain the documentation but to no avail. XXXX months later I received notification from XXXX XXXX of a collection account on my credit report. I was never notified by XXXX or the debt collector of this amount due. No one contacted me by mail or any other means of communication to resolve this outstanding balance. They both failed to exercise due diligence and importantly, I was denied the opportunity to resolve the issue. The debt collector should not be allowed to used credit reporting as a means to collect outstanding debt damaging people 's credit especially over an immaterial amount of {$54.00}. In the end, XXXX XXXX issue payment of {$54.00} to XXXX on XX/XX/2023 without the proper documentation. Therefore, this derogatory dispute must be removed from my credit report. It is not substantiated and is grossly unjust.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 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 2024-10-31
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 : XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I had my federal taxes come into my account on XXXX XXXX  2023 I been buying the things that I needed for my apartment I noticed my card stopped working when I try to make a purchase on XXXX so I first called citibank at XXXX they open the account for me but then later at XXXX I was at XXXX trying to pay off my phone my card started to decline again so I called again they told me that they fixed it but it was still declining so I told them that I would go into the branch to pull money out which I did I took out {$3400.00} and left {$2700.00} in my account but then I try to log into my account but couldn't so I called to fix out why not and I was told they closed my account but couldn't tell me why not to mention I only got one email about fraud from them
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

the findings of Equifax 's investigation to a previous Cfpb complaint # XXXX, I would like to dispute several points under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Truth in Lending Act ( TILA ). 

Under the FCRA, I have the right to dispute any inaccurate or incomplete information in my credit report. I maintain that there are inaccuracies in the report, specifically in the trade lines for XXXX XXXX XXXX XXXX and XXXX XXXX The modifications made to the fields such as balance, past due, high credit, actual payment, scheduled payment, date of last payment, term duration, historical account information, and account history do not reflect the true status of these accounts. I request that Equifax re-investigate these trade lines and provide me with the method of verification used to confirm the accuracy of these items. 

The GLBA requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data. I am concerned about the number of inquiries on my credit file, as I did not authorize all of them. I request that Equifax provide me with the names of the companies that made these inquiries and the reasons for them. If these inquiries were unauthorized, they should be removed from my credit file. 

Under the TILA, I have the right to receive clear and accurate information about my credit terms. The report states that the accounts with XXXX XXXX reporting paid as agreed, with no late payments. However, this is not consistent with my records. I request that Equifax provide me with a detailed account of the payment history for these trade lines. 

In addition, the report states that the disputed items with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and XXXX are not currently reporting on the Equifax credit file. However, these items were part of my original dispute. I request that Equifax provide me with a clear explanation as to why these items are not reporting and what steps have been taken to investigate these disputes. 

In conclusion, I believe that Equifax 's investigation did not fully address my concerns. I request that Equifax conduct a thorough re-investigation of my dispute and provide me with a detailed explanation of their findings. I also request that Equifax comply with the FCRA, GLBA, and TILA in handling my dispute and safeguarding my personal information.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TexCap Financial, LLC (NH)

I was given an auto loan in XXXX of 2019 by XXXX XXXX XXXX XXXX sold my loan to TEXCAP. I asked at the begining of this loan for paperwork defining the terms of the loan. Especially where they are a new company to me. I wanted to make sure the company wasn't fraudulent. 
Texcap sent me back the paperwork from my XXXX XXXX XXXX 
I have now been paying back the loan originally from XXXX  now to TEXCAP. I noticed there is an added amount added to the agreed amount of {$8.00} which there is no disclosure as to what it's for. The interest I have been paying has not been calculated correctly. I have asked repeatedly for a break down of loan payments made. How much in interest, how much to principle. To make sure I'm being charged correctly and not over paying. 
To date no break down has been furnished. No truth in lending disclosure nothing to help me as a consumer to know that I am not being over charged. Which I feel I am because of their refusal to furnace any documentation. 
Please help me get a break down of payments made as well as applied interest and principle payments
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my third 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 alleged fraud or extortion XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit file. These are the following items : XXXXXXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX R XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX XXXXXX/XX/2023.