davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Skopos Financial, LLC (OR)

I called to do a payoff over the phone on XX/XX/year>. I was quoted a payoff, and I paid the full amount I was told to pay plus a {$5.00} transaction fee because they don't let you do a payoff through the online system. I received a confirmation number from the gentleman as well as an email. A few weeks goes by, and I get a bill from XXXX  in the mail with a balance of {$24.00} I called, and they said they had to listen to the conversation in order to know what happened. I get a call back 2 hours later from XXXX the customer service manager and he said I apologized and said he listened to the call, and I was in fact quoted the wrong amount, but I needed to pay the 26 days of interest in order to get the account closed and there is no other way around it. I reiterated that he said I was quoted the wrong amount, and I have to pay for someone else not correctly processing the payoff. He said the payment was made incorrectly and yes, I needed to pay the remainder of the amount if I wanted to close the acct. This is extremely unfair practice. I am having to pay for someone else 's mistake. XXXX said I listened to the entire conversation, and you were given incorrect information but there is nothing we can do about it.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Discover Bank closed my credit account because my bank denied a payment from discover that appeared suspicious. After attempting to use my credit card is when it was apparent something wasn't right. I called Discover and to my surprise they had closed my account voluntarily because of a missed draft payment. After requesting more information on why they decided to close an account that wasn't even a week late just didn't seem fair. I wasn't even given an opportunity to call my bank and confirm indeed the payment was authentic, they just took it upon themselves to close the account and demand that I was still obligated to pay the balance off as soon as possible. I requested that they at least remove the account from the reporting agencies since the account was voluntarily closed, but was met with the response of " we are under no obligation to provide any resolution to this issue. ''
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XX/XX/year>, I submitted for a pre-approval for {$33000.00} through Navy Federal to see what interest rate I would be offered. With the rate they offered me, I was not longer interested considering them for a loan. I monitor my credit score regularly and noticed they ran my credit with a hard inquiry for the pre-approval when I last checked. I was not ready to buy a car yet and am only at the beginning stages of shopping for one. When I called them to let them know my intentions to inquire about the interest rate with them and let them know the application is still in a pre-approval status, they said they would not take the hard inquiry off.
Consumer complaint received 2024-10-29
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)

This serves up to a follow up dispute regarding the inaccurate information on my report with the following accounts XXXX XXXX XXXX ACCOUNT # XXXX BALANCE {$31000.00}, XXXX XXXX ACCOUNT # XXXX BALANCE {$500.00}, XXXX ACCOUNT # XXXX BALANCE {$5900.00}. According to 15 U.S.C. 1681i ( 4 ), you must consider all relevant consumer information during the investigation process. My official FTC and CFPB complaints directly address the removal of these fraudulent accounts and must be taken into account for their permanent removal within the next 4 business days of this written notice. It has surpassed the 4 days and is now a violation of the FCRA concerning the time frame for identity theft information removal. I request for immediate action or I will pursue legal action.
Consumer complaint received 2023-10-05
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-09-27
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. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
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. (MD)

I was checking my consumer report and I seen a bunch of inquiries that I do not recognize I asked for all the items to be removed. ( 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (NM)

It has been drawn out that XXXX and TransUnion Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX  XXXX Balance : {$700.00} ; XXXX XXXX Balance : {$440.00}.
Consumer complaint received 2024-10-12
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

I have already filed XXXX complaints over not receiving my money the bank is withholding they responded with that I needed to send in identification to verify I use the app that they told me to use and every time I put my information in along with my a picture of my ID it says an error has occurred and then has me start all over again I have done that 5 times now and Everytime its the same result a message saying error occurred and try again.so what am I to do now when the app they provide won't work. I just want my money that is rightfully mine.
Consumer complaint received 2024-09-08
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. (MI)

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. 


Account Name : XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Consumer complaint received 2024-09-09
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. (AZ)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-08
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. (SC)

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.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-10-29
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per XXXX XXXX XXXX XXXX XXXX if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
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 XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal has made me wait days and days after I called and asked them numerous times to solve 2 issues that I was facing. One issue occurs when I attempt to transfer my PayPal balance to my debit card. At the time, I had around {$120.00} in my PayPal balance which could be used to make purchases or could be transferred to my bank. They made me wait days and days and didn't tell me that the reason why I couldn't transfer my money to my debit card was that the free service to transfer the funds which takes 1-3 business days is unavailable for cards and that instead I would have to use the instant transfer which charged about a 2.75 % fee. After calling numerous times, the final representative I spoke to informed me of this, and we attempted to link my XXXX XXXX XXXX XXXX XXXX account to my PayPal account, but the representative told me that this credit union wasn't allowed for some reason because it posed a " risk ''. They ended up linking my XXXX XXXX account instead, and I transferred my PayPal balance over to it. They won't allow my preferred bank which is XXXX because they say it poses a risk. The second major problem I'm having with PayPal is that they wont ' allow me to use my PayPal balance anywhere, because they say that it poses a " risk ''. I spoke to the representative for over an hour, she told me that every single place I attempted to make a purchase, based on them monitoring my activities over the past month, was flagged as too " risky '' for my PayPal balance to be used, and that instead I would be forced to use a different payment method like a credit card. They are not allowing me to use my balance anywhere to make a purchase, not even XXXX because they're saying that there's a " risk ''. They won't allow me to use my PayPal balance to make purchases, they won't allow me to use the credit union of my choice to transfer my PayPal funds, and their reasoning behind all of this makes no sense. How is XXXX too " risky '' for me to use my PayPal balance to make a purchase, but not too " risky '' for me to use a credit card through PayPal? They won't allow me to use my PayPal balance to buy things. It's my money. It's my right as an account holder to use my PayPal balance to purchase things, they're not allowing me to do so. They made me wait days to find all of this out. They refuse to allow me to send funds to my account with XXXX XXXX XXXX XXXX XXXX, so I had to use my XXXX XXXX account instead, and I didn't want to do that. They won't allow me to send funds to my bank of choice and they won't allow me to use my PayPal balance to make purchases online.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX  XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (CA)

According to the FCRA my credit report is supposed to be fair and equitable. The XXXX CRA 's are reporting negative and inccurate accounts on my report > None of the reports match and they all should if the information was correct. Nothing is supposed to be furnished on my credit report without my consent.15 usc 1681b. And according to the XXXX XXXX the only way you can pay a debt is with silver and gold, and since there is no silver and gold. XXXX XXXX is the worst in accuracy. 15usc1681e ( b ) 15usc1681a ( 2 ) ( B ).
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX My rights have been violated, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instruction ; 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, any of the other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1 681s-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 innacurate.
Consumer complaint received 2024-09-27
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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-09
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 inructions 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. 

These are the inquiries which should be off from report.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous personal information and have not provided validated proof of any findings that prove these personal information was authorized by me. These personal information should be deleted immediately. I also attached a copy of the FTC report including these fraudulent personal information.