davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (IN)

I was given a personal line of credit with CashNetUSA. I was short on funds and my car needed work so I took out {$300.00} to pay for it. I clicked on what I wanted to borrow and that was it. No other information was given. No payment schedule of what my payment would be no amount of payment was given and no date. XXXX info. The money loaded in my account and a few days later not even a full month I got notice to pay {$170.00}. I was like this can not be correct. I called and after being called a liar they would not help me, nothing could be done. The rate and payment amount should be given to the customer. They give nothing. I would be happy to show you exactly how this website works. Its such a scam. This company is praying on the unfortunate and they need to be stopped.
Consumer complaint received 2023-09-17
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (CA)

I received in the mail what is my " CALIFORNIA MIDDLE CLASS TAX REFUND CARD ''. Looking to transfer the money directly into my XXXX XXXX ACCOUNT, I went directly to my XXXX BRANCH and turned it to the teller for this reason. She asked me to call the number in the card, XXXX, to activate the card and set up a PIN number as it happens with any other card. Called this number which is affixed via sticker to the new card as sent, called from within the bank branch, but a recording would say " this card could not be activated ''. Turned the card to the manager at this branch who tried himself to no avail. They were surprised it could not be activated. They ( bank staff ) called the card issuing business, " MONEY NETWORK '' but nobody would answer. The manager at XXXX XXXX gave me in writing these following information so that I could contact them and clear the issue ... " MONEY NETWORK CUSTOMER SERVICE XXXX '' as well as the e address : account.money network.com I tried calling this number as shown to no avail and also tried the online address and email account to no avail. On XX/XX/23 I called again and finally there was a response, although automated, and the recording offered amongst options the cancellation of the card in lieu of a new one, selection I requested, the cancellation of the card issued and sent to me, the card I had on hand which is not working, and the issuance of a new card. It is today Sunday XXXX the XXXX and so far, no response nor new card nor any kind of communication or remedy coming in from this company, MONEY NETWORK. I have in my possession the card in question with the affixed sticker prompting the user to call XXXX in order to activate the card and set a PIN number, as well as the letter with which the card was sent over the mail. As I understand I already paid taxes or taxes are to be levied on me for this CA middle class tax refund card, but MONEY NETWORK never allowed me to collect this money, which appears to be outright fraud on their part.
Consumer complaint received 2024-10-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Propel, Inc. (TX)

On Thursday XX/XX/2023 I purchased a tablet and protection plan from XXXX XXXX for {$190.00}. 

I didnt receive my refund after returning the item. XXXX XXXX customer service told me it was returned and I would see the funds in my bank account at the end of the billing cycle/statement period. Once the cycle ended I still didn't receive my refund or money yet so I contacted XXXX again and they told me to contact my bank. 

I contacted my bank and told them my story. I filed a dispute and they denied it so I got pics and proof and emailed to them and was told best idea is to submit another dispute since I have still not received my money and not XXXX nor the bank knows where my refund was. 

I was messaged and told I would have to wait u till XXXX to get a decision on my dispute. They have not sent me a email with my dispute confirmation code or anything. And it is messing with me mentally because I feel XXXX and my bank aren't helping me and just not caring.
Consumer complaint received 2023-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I obtained a copy of my consumer credit report from XXXX, TransUnion and XXXX on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to XXXX [ XXXX ]. The certified mail tracking number that I sent to XXXX is [ XXXX ], however they didn't remove the false inquiries. The TransUnion tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.
Consumer complaint received 2023-09-16
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2021-01-05
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. (GA)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PR)

I don't mind using the name of my account which is 'XXXX XXXX ' otherwise how would they know that it's my account? Cashapp cancelled my account several weeks ago and none of my many emails to customer service yielded any reasons as to why. All they could say was some 'investigation ' was doing on. I'm convinced that these people don't know what they are doing or can not admit when they are wrong. My account is close to XXXX years old and I haven't done anything to warrant cancellation. My use of this account has not change. It looks like they're hoping that I will 'get lost '.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen : 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 2023-09-17
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. (CT)

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. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

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.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-09-17
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. (CT)

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. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely and caused an immense amount of stress due to being denied credit for obtaining a vehicle.

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.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1681 Section 602 A section 2 : also states A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX  IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF XXXX.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MS)

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt. 

Please provide the following information : The name and address of the original creditor. 
A detailed statement of the amount owed, including interest, fees, and any other charges. 
Proof that I am responsible for this debt, such as a signed contract or other documentation. 
The date of the last payment made on this account. 
Documentation showing that you are legally authorized to collect on this debt in my state. 
Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act. 

Please send all requested information to the address above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]
Consumer complaint received 2023-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (MO)

I want to see a lease with my signature on it with the address that the appliance was supposably delivered too and I want a signed contract with said company with my name on it and I would also like a valid email because the one you previously responded with does not belong to me
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: COMMERCE BANK (NY)

I have been a Commerce Bank customer since XXXX and have always honored my payments and made sure I was using my credit responsibly. 
As I returned to The US on XX/XX/XXXX from traveling abroad, Commerce Bank reported my account as delinquent for missing a single payment to cover my statement from XX/XX/XXXX. They argued that my payment was 34 days late. By failing to contact me first or call the number on file, they simply automated the reported of my account as delinquent, thus making my credit dip XXXX points below. While they argue they sent a mail to my address, I did NOT receive anything and they did not make any effort to call me ( my phone was working, yet they did not make the effort to contact me to make the payment as I always do ). 
I am not a new customer and have a good history of making payments. In this instance, Commerce Bank chose to handle this situation unethically and without any consideration for my rights as a consumer. 
Reporting my account as " delinquent '' without any prior communication was an institutional mistake, and I want Commerce Bank to remove it from my credit report. 

- XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

Syncrony XXXX XXXX : Lowered my XXXX credit score down to XXXX which was my balance due to a payment I made 2 days late and one 5 days late. This was about 4 months ago. Then today again my balance was lowered to my balance almost making the account over the limit without my recent payment. 

I have had an excellent payment history but i was laid off twice last year. However, I still managed to make my payments in full. 

When I called to have a conversation about this situation the company would not address my issues or note my account. 

Please help to get this situation resolved. 

Thank you for reviewing my complaint.