davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc. (TX)

I am XXXX XXXX XXXX and utilized this company to get a personal loan XX/XX/2022. I didnt know much about the XXXX XXXX how it applied back then but I was given a loan with an XXXX of % XXXX, just kissing % XXXX. I understand that there was a lawsuit with this company and wanted to validate if I was affected by it. I also currently have a loan with this company.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX 2023
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

To whom it may concern I'm writing to seek your assistance in a pressing matter regarding my credit report. Two bankruptcy entries appeared on it, which I believe were inaccurately reported. These entries stem from Lexis Nexis, a credit reporting agency, and were shared with major credit bureaus- XXXX, XXXX, and XXXX. 

Lexis Nexis sources this information from the publicly accessible PACER ( Public Access to Court Electronic Records ) system. While the PACER disclaimer acknowledges the potential for errors, the concern here is the use of my data without the proper authority, which could infringe on 18 U.S. Code 912, resulting in legal penalties.

These actions not only appear to breach federal laws but also my rights as a U.S. citizen. I request your help to prompt Lexis Nexis to remove these inaccurate bankruptcy records from my credit report within the legally mandated 30-day window. I also insist on an updated credit report after the matter is resolved.

Additionally, I believe Lexis Nexis may have violated two more laws : the Social Security Act ( 42 U.S.C. 405 ( c ) ( 2 ) ( C ) ( i ) ) and Virginia Code 18.2-186.3, which concern the use and disclosure of SSNs without proper consent.

Considering the gravity of these concerns, I implore the Consumer Financial Protection Bureau to step in and facilitate the removal of these erroneous entries. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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)

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 XXXXXXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX XXXX Balance Owed : {$590.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

On XXXX ; XXXX, 2023 XXXX USD was paid to Paypal. It was debited from my account the same day. I tried for 3 full days to contact a real live person to speak with to explain the situation in full as to what trouble this had caused and thar the final result of Paypals lack of genuiine interest has left me an XXXX XXXX XXXX pensioner without something I depend upon for my health XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The end result being that because Paypal was not interested a shipment was made and because it was not made without any proper legal notice that never came to me the goods were delivered and left on the front door mat. and was never seen by me. I have a very short reply fom a person named XXXX '' and thios is what it says HYi Bud! Youv'e reached XXXX frrom Paypal managing team, Thanks for working withour automated Paypal assistent and providing your inforrmation. I acknowledgr that your time is valuxble and I can since the importance of this matter. Lets seee what I can do to help you. Upon reviewing your accouint I can see that the transaction that happened last XX/XX/2023 was already com, pleted. Rest assured that XXXX XXXX already received the money in his Paypal account. 

( This is a far cry from XX/XX/XXXX when Paypal received my money and never released it. 
Hopefully in the next few weeks I will be filing a legal complaint with http//www.consumerfinance.gov ) note : the above paragraph is my own personal comments that I sent to XXXX. The shipment did come finally but as said before no one had any idea at that point in time IF or WHEN a parcel was even coming. The end result was that it did come but it was no longer there the evening it was delivered!
Consumer complaint received 2023-04-18
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)

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 isXXXX 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

ive been having issues with this particular account for some month now and it does not belong to me and needs to be removed asap. I did not have a student loan with them, i already have a student loan with another company so its wrong. perr 15 usc 1681b this is illegal and you all must remove asap! this is caused by identity theft/fraud
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

For months I have asked them to investigate the information provided in my credit report, but it still remains incomplete and inconsistencies. They must present the historical record of balances and payments, but so far they do not do so.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/2023, Amazon returned two charges that were not supposed to come out of my account the week prior. Chase is flat out refusing to reverse the overdraft charges that were associated with those charges that were reversed. They also are refusing to reverse the following two overdrafts that would have been prior to me being over the {$50.00} cushion once Amazon reversed the two charges. They have withheld this money for going on three weeks now and are lying about the whole situation. I originally disputed one Amazon charge but then called Amazon and they gave me both charges back so Chase took that original disputed charge back out of my account but returned only one overdraft fee.

There is still one overdraft fee attached to one returned Amazon charge that hasn't been returned to me, and one other overdraft fee attached to another charge that should be returned due to their " cushion '' allowance. They have made it where I can't take any screenshots of what I'm seeing on my app and change what is showing on the notification or letters tabs depending on if I've emailed them about this. 

They also have shut my debit card off where there is no more cushion allowance on my account. They've essentially held these fees for almost three weeks causing my limited income to be even less. I went two weeks without any money due to them keeping a whole deposit to pay for their bogus overdraft charges. Then they cut into a third of my deposit this week and cut my card off where I don't have any cushion which is fine as long as they returned the bogus fees from two weeks ago but they haven't done that. I'm tired of trying to work with them when they're bound and determined to keep fees that I don't owe to them. 

I tried to download my banking statements but they show a XXXX once finished with the download so I've got no way to send them to you to be able to prove what is going on. I've tried to download them for almost a week now. 

Chase is also holding direct deposits for over two days instead of putting them into accounts the day they receive them. I may see the deposit on my end in the app but it's really not going into the account for at least two days after it's seen on the app. This makes debits total more than deposits in the account. I think this triggers overdraft fees but maybe I'm wrong.
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

On XXXX XXXX 2018, my credit report showed collection ... 
Don't know who this collection agency is. I have no debt in collection. My credit score dropped by 70 points after this collection showed from CREDIT COLLECTION SERV.

I have never had anything to do with them.
Consumer complaint received 2023-04-18
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. (GA)

I submitted a letter to the Equifax XXXX XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT and I'm including it again. 

Please verify this account : XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

This regards BMO bank. On XX/XX/XXXX, I deposited my paycheck via their mobile app. It was flagged as fraud and they froze my account. I had to call in several times with each time being over an hour wait. Ultimately, I was told that the deposit was flagged as fraudulent and that it would take 7 business days to clear up. Today is XX/XX/XXXX and my account is still frozen.
Consumer complaint received 2023-04-18
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. (NC)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance XXXX {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$740.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (TX)

Cashnet USA has obtained my information without my concern and constantly tried using my credit information to apply for credit on their site. They are either using this as an attempt to collect a debt illegally or the are committing fraud.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I dont know how I got all these declined my identity was stolen and that the reason why I have all these things in my credit and I want to remove them I didnt make any of them I only have one bank account I just open and that through XXXX that all
Consumer complaint received 2023-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (PR)

my mortgage was sold to newrez in XX/XX/2023 and since then i dont have communication with them. Its very difficult to make payment, there is always a problem in the website and by phone also. An operator comes out saying that they can not receive calls at this time. In XXXX and XXXX It was very complicated to make payment I had to insist every day more than 10 times daily by phone and website. But this month has been impossible. I am worried that the deadline is approaching, which is XX/XX/2023. My credit can be damaged and also I will have to pay late charges. And that will be a problem for me, be due to the irresponsibility of newrez. I wish you can help me. thank you
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I provided information to XXXX XXXX on XX/XX/21 that my car insurance paid for the rental car damage from ( XXXX XXXX XXXX XXXX XXXX  ) and I should not be billed for it on my XXXXXXXX XXXX XXXX. 

XXXX investigated the matter and removed all payments from the rental company ( XXXX XXXX XXXX XXXX XXXX  ) On XXXX, I saw the charges put back on my card. I called and asked why, and they said the rental co. claim for the damages that's why. I asked them for proof that the rental company charge was valid, and they said the spoke to the rental company.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its been a year