davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Round Up Ventures, L.P. (WA)

I made a payment on XXXX  with XXXX XXXX XXXX, who services a loan I received through Lendly with XXXX XXXX Bank as the lender. I contacted both Lendly and XXXX XXXX Bank to cancel this payment which is scheduled for XX/XX/ by calling the number as directed at the time I made the payment. The prompt indicated I had until XXXX XXXX XXXX XXXX today, XX/XX/, to cancel this payment. I made calls at XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX, only to be told that there is no record of the payment, and that " it takes a few days to show up in their system ''. 

Having done everything I could, I was still unable to cancel this payment using the directions provided by XXXX XXXX XXXX and Lendly. This is ethically dubious behavior on the part of Lendly, XXXX XXXX XXXX and XXXX XXXX XXXX. If an individual is able to schedule a payment online, they should be able to cancel said payment. If an individual is told to call into a specific number to cancel a payment, they should be able to do so, not be told that the payment has not shown up in their system and as a result nothing can be done. Now the payment I wanted to cancel, within the parameters set forth by Lendly ; and XXXX XXXX XXXX and XXXX XXXX Bank as agents of Lendly is unable to be cancelled.
Consumer complaint received 2023-04-22
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. (GA)

XXXX XXXX XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX  {$64.00} XX/XX/2023 XXXX XXXX  {$190.00} XX/XX/2023 XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Consumer complaint received 2023-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (PA)

I used the XXXX service of Afterpay for around {$1700.00} worth of XXXX gifts in XXXX and XX/XX/2022. Right after XXXX, I was made aware that I was being laid off instead of being able to take XXXX XXXX. I contacted Afterpay to proactively alert them that my circumstances had changed. They worked out a manageable payment plan. I recently found new work and paid off my payment plan early and requested that they reinstate my account. I originally had a {$2000.00} spending limit but now, despite my best efforts, theyve reduced my preapproved amount to an insulting {$100.00}. They shouldnt be able to penalize someone for doing the right thing - I never let my payments with them fall behind and I proactively worked with them to avoid this exact situation. This seems like theyre discriminating against me for being XXXX  and for struggling during an event in my life that was entirely out of my control.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The XXXX Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
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 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

General Counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to you in accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to dispute certain information contained in my credit report. 

I am disputing the accuracy and completeness of the accounts listed below. 

I have recently obtained a copy of my credit report from XXXX and have found that it contains inaccurate information. Specifically, unauthorized inquiries on my report, because I did not make or authorize these inquiries. My credit report and denial letters are evidence of the inaccuracies. The inaccurate inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that XXXX conduct a reasonable investigation into the disputed information and correct any inaccuracies found. I also request that you provide me with written confirmation of any corrections made to my credit report. 

In addition, if any of the disputed information relates to a debt that is being collected by a third-party debt collector, I request that you notify the debt collector of my dispute in accordance with 15 U.S.C. 1692e ( 8 ).

If this matter is not resolved to my satisfaction, I may be forced to consider further action, including initiating arbitration proceedings in accordance with XXXXXXXX XXXX arbitration program. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-13
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. (TX)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ) 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

NEW INFORMATION PERTAINING TO CASE NUMBER XXXX My name is XXXX ; XXXX. The XXXX for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. 
First I was threaten and harassed by Wells Fargo debt collections office by email. Which I already filed a complaint about. I have a closed checking account with Wells Fargo Bank that ended up going into collections. I have been responsible in making payment arrangements dating back to XX/XX/XXXX. My most recent payment was XX/XX/XXXX for {$40.00}. I was operating in good faith. Then exactly two weeks later on XX/XX/XXXX I received a disturbing email from Wells Fargo Bank threatening me to pay the debt in full. I filed a complaint on this matter. However the harassment and threats has continued from Wells Fargo. This time by mail. On XX/XX/XXXX I received a threaten letter in the mail repeating the same exact threat as the email I received, Demanding I pay {$390.00}. " To avoid further collection action '' Again, this a threat to me the consumer and my consumer rights has once again been violated. XX/XX/XXXX at XXXX I received a voicemail message from an employee of Wells Fargo XXXX A young lady by the name of XXXX of Wells Fargo XXXX complaint management asking me to give her a call back at XXXX between the hours of XXXX to XXXX. Please be advised that I will not communicate by phone. Only by mail in writing.
Consumer complaint received 2023-04-13
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: Merchants Acceptance Corp (FL)

I received a response form the company Merchants Acceptance about an account reporting on my consumer file. I ask for validation of debt. I received a printout of a contract with a generated signature. After further study of the documents, the signing of these documents was done in XXXX Florida, and I am a resident in XXXX fl. the address on the contract was an old address where I have been reported identity theft. The alert is still on my file today. the company 's argument is that the email address that they have for me is the main email address on my consumer file. That is not proof that this debt belongs to me. Also, with the continuing increase of the balance on the account, the company argues that in the contract it states that they are allowed to add interest to a charged off account, however by law if this account is mines i should be receiving statements of the changes being made on the account if it's still open and or charged off. I have not received any statements or information on this company until i started my dispute. Also, if my email is their arguing point i should have been informed in that manner at least, but again I revived nothing but a computer-generated contract that does not have my signature. I would have had to be in person to sign this contract, my email address is not proof. There is also no comply of my id, I should have had to prove my identify in some way doing a contracted sell. The account is also still reporting inaccurate information as to the status of the account, the account can not be open, closed and charged off, with different balances. Again, I have no knowledge of this account or contract with this company and i will pursue further actions. The contract also states that the buyer is approved upon a credit check, the contract does not list my social or even the last four, how was this approval granted? there are no inquiries that I could find from this company on my credit report. this debt is not validated.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NH)

Ally Bank has retaliated against me for filing a complaint with CFPB and FDIC. After months of failing to address unauthorized withdrawals from XXXXne of my six ( 6 ) accounts and shortly after my complaints to the CFPB and FDIC about multiple unauthorized withdrawals, Ally Bank sent me a notice on XX/XX/XXXX ( dated XX/XX/XXXX ), that they are closing all my accounts on XX/XX/XXXX. This is blatant retaliation for my filing of a complaint with the CFPB and the FDIC. See their letter attached to this complaint. ( It should be noted that Ally has returned all unauthorized withdrawals. )
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this to the point of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX  with proof of error. Attached is the document showing that the collection account was opened in XX/XX/XXXX, but XXXX is reporting XX/XX/XXXX which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Consumer complaint received 2023-04-05
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX  has not reported any information re my credit card since XX/XX/XXXX I called XXXX and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is XXXX reported account closed with XXXX balance. XXXX insists they did not report this, however XXXX still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding 30 minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and XXXX claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.
Consumer complaint received 2023-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has not reported any information re my credit card since XX/XX/XXXX I called XXXX and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is XXXX reported account closed with XXXX balance. XXXX insists they did not report this, however XXXX still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding 30 minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and XXXX claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.
Consumer complaint received 2023-04-13
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. (CA)

My Experian account was hacked by someone. I received an email on XX/XX/XXXX @ XXXX in the morning that some one had change my information. I called Experian on XXXX to address the issue and try to take my account back over. The person who I spoke with had informed me that all my security question had been change as well as email and phone number. At this point we tried to switch my email back and reset password. But the person who hacked my credit account had created a pin number. I was told by the rep that she would have to send this over to the XXXX department and have them contact me by email with in XXXX hours. I never received an email from them with XXXX hours. So on XX/XX/XXXX a received another email that the person was trying to log back in to the account. I called Experian as soon as received the email. Spoke to XXXX different rep one name XXXX neither on was helpful. I offer to provide them with my birth certificate and drives license and any other documentation they would need. They would never transfer me to the security department to fix the problem. Then I was told they had up to 5 days to address this after being told on the XXXX that they were escalating this and would hear back in XXXX hours. This was alarming to me as it seems you use these company 's to help with your credit and now someone is done fraud and you just keep getting the run around. This person who has hacked my credit accounts has opened a cell phone account and has run other things to open accounts. At the end of this conversation I had to close my credit account because know was helping me to retrieve it and set up security alerts. Just to be told to create another one. Experian and it works have horrible customer service and to me it makes me think this was an inside job from their company. I was given this email address XXXX for the person hacking along with this phone XXXX.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In good faith, I paid my minimum payment online. I even called customer service to expedite the payment to ensure payment would process successfully and on time. The customer service woman told me there was nothing they could do, but that my payment would process by midnight. I have other bills pending and the payment she said would process by midnight did not. 

Upon capital ones efforts of processing this payment it declined due to my other bills conflicting with this one. If it would have processed by midnight like it was supposed to, I would have been able to make a successful payment and not incurred any late fees. I believe capital one does this on purpose in hopes of people defaulting, such as I DID, in hopes of generating late fees. This has happened to me multiple times and it's not right. XXXX XXXX did this and Capital one is no different.