davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fundo LLC (IL)

I woke up to a withdraw of an amount from com Fundo, which is an online cash advanced loan place of money taken out. I immediately contacted the bank. They said to contact customer solutions and the fraud identity department in doing so I set up the procedure because it appeared this company had gotten a hold of my account number from my bank After a few weeks. This was eventually resolved. My account was closed at the bank and the funds that shouldnt have been taken out were indeed fraudulent so they were replaced from my account and all overdraft and late fees theyre in from the bank. The company contacted me via phone in early XXXX right when all of this was happening, they left a threatening message that this would go to collections within their company, and then my wages would be garnished my bank as well as an attorney advised me to ignore the call. I received another call yesterday XX/XX/XXXX so over two months XXXX XXXX months after this has happened Stating that I was already in collections and my wages will be garnished. If I dont communicate I called back the number I spoke to a woman. I said I was walking into a meeting, which was true. I stated to please send me an email with assigned contract and what options there are because this isnt my loan She sent an email stating I need to get back to making my weekly payments as arranged. I wrote back and said I had an identity issue. I dont believe this is my debt at all. Please respond with the signed contract. She responded with the screenshot. Im going to attach which is not assigned contract as far as I know as advised by the bank since this is fraud and their investigation is top-notch. This should be resolved. My concern is their saying I borrowed upwards of {$3500.00} and I owe them upwards of {$6000.00}. This is very offputting and very upsetting
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (FL)

So I paid for a credit repair company and paid this guy money to improve my credit and as of now XXXX  I have a delinquent or missed payment for a card I never even received or signed up for. I understand it still represents me but I would like this off my report.I was able to remove it from XXXX and XXXX and I just dont understand the delay for XXXX
Consumer complaint received 2022-05-24
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)

The Credit Bureau stated my account was properly investigated but how is that possible if the date opens inaccurate, the date last active is inaccurate, account type inaccurate, payment status inaccurate, and date last reported inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 a. States i have the rights to privacy 15 U.S.C 1681 Section 604 a Section 2. States a consumer report can not furnish a account without my written instructions
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This CFBP complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of indetity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan open with roadrunner financial in XXXX of XXXX. This account has resulted in fraudulent collection appearing on my consumer fico credit report I due not recognized the afforemention accounts, collection as reported. The aforementioned accounts, collection appearing in my credit report were not open by me, this account is a result of identity theft and fraud I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aforementioned consumer credit accounts, collections are the result of indentity and fraud.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-23
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

You can no longer use PayPal After a review of your account activity, weve determined that youre in violation of PayPal 's XXXX XXXX XXXX. Specifically, the sale of XXXX oriented materials or services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds.If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds.

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX That's the message in my account. I'm a long time customer and I do business solely using paypal. Banning my account impacted my whole life since this was my source of income since XXXX this year. They banned me around XX/XX/scrub>XXXX XXXX XXXX  without any solid evidence why I was tagged that way. I've communicated and even filed a complaint at XXXX still no progress. They kept raising my monthly limit even though I can't use almost all of the accounts payment features.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (PA)

I have XXXX loans from Sallie Mae. Over the course of six months, I enrolled twice in a payment plan. Making only XXXX a month they put me on a plan that would have me making $ XXXX monthly payments. I was denied twice this plan and XXXX XXXX accounts the company did not contact me to let me know. The second time this happened Sallie Mae had my bank account information and began taking out a total of {$740.00} in the form of autopay. Something I had never authorized. This cost me money that was supposed to be in my account to not be there, as well as returned check fees charge by my bank when the sufficient funds were not available, since the amount Sallie Mae was attempting to take out was higher than agreed on.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

I wrote a letter to kia finance America about a billing error. I questioned the whole billing statement. They sent me a copy of the fraud contract instead of the copy of the promissory note and the Gap statment i ask for.I sent Kia a 1099a to settle the debt with the Irs forms they did not accept it. They told me in a letter to paid them in united states legal tender money FEDERAL RESERVES NOTES. This is in a form of Bill of Excange I sent them. THEY REFUSED IT SO THE BILL IS SUPPOSE TO BE PAID IN FULL.I HAVE MADE SEVERAL ATTEMPS ON THIS ACCOUNT TO GET IT PAID IN FULL. 
They are not suppose to refuse tender of payment. Title 18 usc 8 say that united states are responsible for all debts. Title 12 usc 1431 Banks are not allowed to loan money or their assets. My social security number and signature created this loan .I was never given money from Bank Kia finance America . They have threatening me with adverse action with repossession and that they are going to put this on my consumer report. When you question them about a billing error there is not suppose to be adverse action taken against you. This is against all consumer legal rights. This is fraud and intimidation. I am exercising my rights as a consumer and a debtor.
Consumer complaint received 2024-09-03
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)

XXXX XXXX XXXX is reporting a collection on my file that is not mine. I have been disputing this for months with the bureaus and have received 0 information on this account and no validation or removal. I have filed an Identity Theft report for this account. I do not recognize the company XXXX XXXX XXXX. I have never had an account with them as I do not know what they even offer. 
Please remove this immediately as it is severely affecting my credit file and caused personal distress.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Early Warning Services, LLC (NV)

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Type : Driver 's License ID Number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.
Consumer complaint received 2024-09-23
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-23
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (OH)

I recently atttempted to open an account with XXXX and was informed that I had a negative remark on my early warning services report for fraud. 

I reached out to early warning services and received a copy of my report and it did in fact reflect fraudulent bank activity. 

I have never commmited fraud nor doe I owe any balances to any banking institutions. 

This is a defamation of character and slander on behalf of Early warning.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (CA)

Hello, my credit report have been pulled up by these companies without my authorization nor consent and this has hurt my credit. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IA)

I have had this credit card for 9 years. I signed up for the XXXX XXXX XXXX XXXX feature. In this 9 year span I have never been successful in redeeming my points. Ive tried online and by phone. This past year I have attempted to contact the reward department by phone unsuccessfully. I have attempted to utilize the chat box feature which directs me to call customer service. When I call customer service I have repeatedly been transferred to XXXX customer service and not the rewards department and again been directed to my cards customer service. I have attempted to use the message center and received a message confirming my points balance and providing customer service number to redeem. I have attempted to utilize the text message option which states my card does not have a rewards feature. When calling today XXXX I spoke to a supervisor who attempted two warm transfers to the reward department. He was able to provide me the names of some of the representatives I spoke with, but not all as he stated not all representatives accessed my account and he had no way to pull the calls. I requested he send me correspondence related to what he could gather and what was being done to address the issues. He stated he could not do this. He attempted to contact the correct department twice. Both times after a few minute hold the line dropped. After the second attempt the supervisor informed me he could not keep trying and it was on me to figure out how to get ahold of that department. He stated there was no way for them to internally communicate. He stated he was not sure why the phone line continued to drop. He also stated he could not send me any correspondence related to our call or attempts to contact that department. I requested to speak to someone else I could file this complaint with. He transferred me to a manager who refused to repeat their name to me. This manager confirmed there was no way for them to internally contact that department. I asked what else as a consumer was I to do in order to utilize the perks of the card advertised and sold to me. He stated he could not assist with this. When I stated I felt this was a scam or form of fraud in order to coerce people to sign up the representative hung up on me. I have attempted to contact and redeem my points in every means possible. I have attempted to escalate the issue and have been met with resistance. The way the phone representatives refuse warm transfers leads me to believe they are aware this department can not be contacted or potentially doesnt exist. The fact that I can not speak to anyone in the company as a means to redeem the points is fishy to me. The XXXX XXXX XXXX app does not provide contact information. The app states I have no points available to be redeemed while all correspondence ( statements, online portal, phone calls etc. ) confirm I have over XXXX points.
Consumer complaint received 2024-08-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I used a link provided by capital one to refer a friend. He clicked on the link we submitted the card and he was granted the card. To both of our knowledge, the criteria specific to the bonus points was fulfilled. I waited eight weeks and did not receive the bonus. After eight weeks, I called Capital One and asked why. This was the second time I had not received a bonus for a referral. They could not tell me why. It was escalated. The next people could not tell me why. It was been escalated again. They were unable to tell me why, and the solution was that they were going to turn this in to a team to make sure that there are no glitches or problems. But, they were not going to contact me to let me know why. There was no answer as to why I did not receive it and they were unable to resolve the issue. Nobody could resolve it because nobody could see why it was happening. One time I can see- but two? Two times the criteria was fulfilled and I did not get my points. Theres no way to rectify this. The people employed at Capital One do not have the authority to see what the reason is and have no way to verify any facts. In the end, there is a gross lack of accountability and a gross lack of meaningful solution driven information at the escalation level employees disposal. I want my points and if I cant have my points, I want to know exactly why. And if they cant tell me due to privacy issues, then I want my friend to be able to know exactly why. After all, its their account, isnt it? But they arent even given the information. This strikes, a note of negligence to me..Unethical at the best.