davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have recently discovered unauthorized activity on my credit report. I am not understanding why, because I have not given any consumer reporting agency written consent to report any information on my consumer report. This unauthorized reporting, done without my explicit consent, equates to identity theft.
Consumer complaint received 2023-08-04
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. (NY)

I recently took a look at my credit report and notice several trade lines that don't belong to me. XXXX and XXXX XXXX. I call in and spoke to a rep. She told me that these accounts are business accounts. I never own business. She also mention that it is company by name XXXX XXXX XXXX XXXX XXXX. I have no business with or know.
Consumer complaint received 2023-07-19
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. (VA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX  Inquired on XX/XX/XXXX  XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I have contacted Experian XXXX XXXX agency numerous of times around XX/XX/XXXX regarding the account that appears on my credit report. The company in dispute is XXXX XXXXXXXX XXXX, dated XX/XX/XXXX in the amount of {$2500.00}. I also contacted XXXX XXXXXXXX XXXX and ask them to validate the debt by providing me with documentation that proves this account belongs to me. They have not been able to provide me a solution and told me I would have to contact Experian regarding the account. On XX/XX/XXXX I received notification that the account was deleted from consumer report. Upon checking my account some time later around XX/XX/XXXX the XXXXXXXX XXXX XXXX account was back on my consumer report after already being disputed and removed removed. It is my understanding that before reinserting an account that has been removed I should have been notified, which I wasn't. I have sent letters to Experian demanding the account be removed again but they have failed to do so. I have not been provided with any documentation as to why this account still remains. This is an urgent matter that must be taken care of immediately as it is affecting my credit negatively and my ability to flourish and provide for my XXXX kids in a sufficient manner.
Consumer complaint received 2023-06-25
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: Resurgent Capital Services L.P. (TX)

While checking into the national multistate licensing system, I noticed XXXX XXXX XXXX is not licensed to collect in the XXXX XXXX XXXX  and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( XXXX XXXX XXXX XXXX ) After deletion I need an updated credit report.
Consumer complaint received 2023-07-19
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. (NY)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well. 

I sent the a letter by on the XXXX of last month. Today is the XXXX of XXXX and still, no response or changes.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected XXXX XXXX to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX  may make any XXXX XXXX  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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any cXXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have concerns regarding the validity and accuracy of your recent investigation into the accounts listed on my XXXX XXXX. I requested this investigation because I believed the items in question were not being reported in accordance with the law. I recently received a letter stating that your investigation is complete. Could you please provide me with an explanation of how the investigation was conducted? 
SLS/GMFS XXXX Balance : {$210000.00} XXXX XXXX XXXX Balance : - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (FL)

This company verve card has been charging me for a credit card account that I had closed a long time ago for fraud and the high interest rate they were charging me. they are reporting a negative in my credit profile and i am a XXXX veteran that doesnt play with my credit rating. I had some hardtimes and at present, I am trying to get back on my feet and this company is taking advantage of me. This company is a fraud and they charged me {$100.00} before I had the card ad they said that they would of reimbursed it to me and they never did. So you see they are horrible and taking advantages of people.
Consumer complaint received 2023-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tesani Management Inc (UT)

In XXXX, I obtained a payday short term installment loan with Lift Credit. The original loan amount was {$1900.00} and I made total payments of {$1400.00}. During XXXX I assumed the care of my dying mother. I contacted Lift credit many times requesting assistance in stopping interest charges, paying off the principal, etc. at each contact point I was ignored and told it would continue to accrue interest and ultimately become a legal matter. This loan was requested during a very difficult time and I never anticipated such devastation as a result. My mother passed away in XX/XX/XXXX. Additionally my son was diagnosed with a XXXX XXXXXXXX and the medical expenses and debts have ballooned to over {$15000.00}. Despite sharing these challenges with Lift, they would not negotiate, provide a reasonable compromise, but instead threaten legal action and demonstrate no care in the devastation this predatory loan has now caused. So much so, I am considering bankruptcy relief. Lift filed a small claims case and without any options to defend myself, they received judgement of over {$8000.00} with a repayment of {$430.00} per month. I do not have the money to make payment without sacrificing the care of my son, servicing of my debt and maintaining monthly housing and utility expenses. 
In summary, Lift has demonstrated predatory lending practices ; both in the origination, collections and lack of maintaining and adhering to their website advertisement stating Lift Credit provides same day, installment loans to residents in XXXX XXXX XXXX  and XXXX. Regardless of credit standing, we offer significantly lower rates than payday lendersgiving a financial solution to those who need it most. And online installment loans to lift you higher. Their site is also flooded with misleading reviews and testimonials. At an interest of 382 % annually, the ability to service this loan should a borrower experience continued financial hardship, it quickly grows from a modest loan balance to 4 or 5 times the original loan. The end result is devastating to an average consumer. Lastly, during the collections process, the lender communicated via text and did not made a proper collection notification disclosure. In violation of collection laws. I was also refused a principal payoff to cease the interest charges. Again, an example of predatory lending, unfair and deceptive marketing and practices.
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (PA)

First notice is a letter stating to pay the bill with discount. On the back it says it 's a chargeoff from XX/XX/2009. I do n't even know what this is. PA has a 4 year statute of limitations on debt.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I had a car accident in XXXX of 2018 that led my car being totaled. Credit acceptance knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC. (MS)

On XX/XX/XXXX I deposited {$100.00} to my Ally account They advised that I needed to make a deposit and clear it up which I did on XX/XX/XXXX the bank closed my account with no notification and wrote off my account and made it a collection after they gave me the {$100.00} overdraft/line of credit they closed my account in error and I never knew was closed til I logged into my account on line which did not make sense they advised I had a certain amount of time to make it current and paid it weeks ahead of the specified time but closed it anyway and put my account in a right off status after giving {$100.00} overdraft which was a complete error in closing.
Consumer complaint received 2023-08-04
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 need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 XXXX XXXX Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (TN)

Cash app took XXXX from funds that were transferred to me on XX/XX/23 and did not provide a transaction on my statement to explain the charge. I messaged support about the missing funds, to which they replied saying it was for a purchase I made from XXXX between XXXX XXXX XXXX that they mistakenly refunded and this was to correct my account. 

I disputed the claim, asking for supporting documents to back their claim as on my statements I don't even have a total of {$120.00} spent at XXXX - in fact, I hadn't spent that much at XXXX on this account since XXXX of this year. They responded with another message saying they investigated and confirm the fee was to correct their mistake. No documents to support, no clear dates on when these transactions occurred and none of this is reflected on my statements.. 

They have yet to respond with anything that supports their illegal withdrawal.
Consumer complaint received 2017-03-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Equity Loan opened on XXXX, 2004 is showing up as an Open Account on XXXX. I have reached out to Wells Fargo in an attempt to have it closed/removed with no success. They had me send a fax with all the info and was told it would be removed in a couple weeks. I have done this multiple times. It 's now been a year. I 'm unable to provide the loan number because I was taken off the loan when I was divorced. I 'm also unable to provide my x-wife 's social security number because were not married and I do n't have it. How do I get this removed from my credit report if Wells Fargo refuses to contact XXXX?
Consumer complaint received 2023-10-11
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. (FL)

The inclusion of this account on my credit report, as I perceive it, constitutes a blatant violation of 15 USC 1681a, the Fair Credit Reporting Act, specifically as stipulated in [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Allow me to elucidate my stance. In accordance with the Truth in Lending Act, 15 USC 1602 ( l ), a " credit card '' is precisely defined as follows : " The term 'credit card ' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
By this unequivocal definition, it becomes patently evident that both my social security card and drivers license, which have been or are utilized for the extension of credit, categorically fall under the purview of " credit cards. '' Given these legal considerations, I emphatically demand the immediate expungement of this account from my consumer report.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MI)

hi- there was a fradulent cheque written on the business account- it is cheque number XXXX for XXXX on XX/XX/2023 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX michigan Police report number XXXX - XXXX XXXX police department XXXX XXXX XXXX I would like these funds returned to me as soon as possible As there is a very large amount of cheque fraud that is going on right now in XXXX XXXX- where someone is taking the cheques out of the mail box at XXXX mile and XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (SC)

Im a victim of fraud. I have contacted Experian, XXXX, and XXXX numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to XXXX, XXXX, and Experian. Experian need to remove fraud accounts. The 6 frauds accounts are : - XXXXXXXX XXXX XXXXXXXX {$280.00}. Account XXXX XXXX XXXX XXXX : {$5500.00} Account XXXX which is a fraud business account. I'm not a business. 
XXXX XXXX XXXXXXXX XXXX {$21000.00} Account XXXX -XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$220.00} Account Number : XXXX XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON XXXX ONLY. 
XXXX XXXX XXXX : XXXX {$23000.00} Account XXXX : XXXX. I been a victim of fraud since XXXX. I have been disputing fraud accounts. I have attached my theft report.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-08-04
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. (MI)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RWLS Mortgage LLC (PA)

XXXX is owned by Windowrock. XXXX was assigned my mortgage in XXXX XXXX. XXXX is requiring that I pay {$400.00} per month in escrow and refuses to cancel my escrow account or even talk with me. My escrow per year is XXXX. My escrow account has {$3000.00} in it. I want a refund of my escrow account and to stop paying escrow. my account number XXXX.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MA)

I received my security deposit back from my landlord and deposited the check via Chase App on XX/XX/2023. The amount was {$6300.00} which was cleared briefly in my account on/around XX/XX/2023. When I logged back on to my account on XX/XX/2023, I discovered that both my checking and savings accounts had been closed by Chase, and all funds ( around {$6400.00} ) were gone, also no history of my accounts was available.

When I called customer support, I was told since there are two names on the check ( mine and my roommate 's ), they were not able to verify with the other party, thus took all my funds and closed my account. I was instructed to give them my roommate 's phone number for verification, but they said the number is not registered, and thus can not be verified. My roommate and I had agreed to deposit the check in one person 's account and deal with it on our own. Both my roommates and I are XXXX XXXX  here in the United States, therefore we can not get post-paid numbers. Both of our phone numbers are pre-paid, and Chase said they can not verify that. Chase told me the phone verification was the ONLY way, no other options were given to me.

After trying to get them to verify the check and did not work out, I asked Chase to return the funds back to the issuer ( my landlord ) so that they can issue me a new check. This phone call was made on XX/XX/2023. But Chase said I can not do anything to my funds, I had to ask my landlord to recall the check. After contacting my landlord, I was told they can not recall the check since the funds are already out of their account. I can provide the email history between me, my roommate, and my landlord if needed.

I am left with no options as to how I can get my money back.