davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Essential Lending Inc (TX)

I was approved for a loan as I have previously had a loan with the company in the past. Upon approval, I noticed the funding would be sent to a old checking account which was now closed. I attempted to contact Wise Loans, in which I was told of the account is closed it would take 8 days to bounce back. After that time, I would then be able to call back and give new account info. I waited the allotted time and reattempted to call back Wise Loans, it went unsuccessful. I requested call backs and called on my own, no success. I sent emails without success. They continued to say my account had been funded despite account being closed. I contacted XXXX XXXX XXXX of XXXX, TX in which XXXX rep was not helpful and ended up being more of a messenger instead of mediator. The account was opened in XXXX, throughout the dispute in XXXX, it was written off. The amount approved was {$400.00}, they only funded {$280.00} as stated on website. I have been getting harassing text messages to pay off debt of {$760.00} since that time. XXXX closed the complaint as answered. I provided proof of closed XXXX XXXX account that has been closed since XX/XX/2022.
Consumer complaint received 2024-07-31
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2023-03-14
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. (PA)

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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.has violated my rights.

15USC1681 section602 ( a ) states i have the right yo privacy.

15 USC section 604 ( a ) states a consumer reporting agency can not furnish an account without my written consent or instructions.

15USC 1681 ( 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 conviction which antedates the report by more than 7 years 15 USC1681 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am once again writing regarding these accounts that have been reporting on my file for a while, and I found that there are inaccuracies affecting me and my score. I need to reiterate that these accounts are negatively reporting on my account and have no maximum accuracy.
Consumer complaint received 2024-07-31
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. (OK)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (IN)

Due to identity theft, in no later than 4 business days according to 15 USC 1681C-2 Early Warning and its subsidiaries must block ALL information in my consumer disclosure file and consumer report due to Early Warning and its subsidiaries having no authorization to use my identity and nonpublic personal information.

I will only respond to mail and email so I can increase my paper trail of noncompliance.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Subject : Dispute Regarding Late Payment Entries on Credit Report To who it may concern, I am writing to address a significant issue concerning my credit report, which indicates late payment on my account with your company. This reported late payment is negatively impacting my credit score and affecting my ability to obtain new credit. 

The credit report reflects late payments on XX/XX/year>. 
XXXX XXXX XXXXXXXX XXXX I believe there may be inaccuracies in these records. It is crucial that your company complies with legal requirements to ensure the accuracy of reported information. This includes correctly sending statements and bills to my current address, processing address changes promptly, and recording payments accurately and on time.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

It has been nearly a year since XXXX XXXX, XXXX, when XXXX XXXX made an unauthorized hard inquiry. This illicit hard inquiry remains on my credit report, significantly impacting my credit score and financial opportunities. This issue will need to be resolved quickly. 

I have also attached the unauthorized/illicit hard inquiry to my credit report and Equifax credit reporting file that XXXX XXXX said it would already be removed and even lied that they did not conduct an illicit hard inquiry. 

XXXX XXXX keeps ignoring their illicit actions of not removing the unauthorized/hard inquiry
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

PNC Bank was made aware of fraudulent charges on my account. I requested several transactions be disputed specifically two charges for XXXX each ran as a credit card one day apart. I contacted the merchant i was made aware an individual attempted to charge a payment for {$7500.00} however, due to the daily limit, it would not process. He provided the card to be ran as a credit card in two separate increments I did not give authorization of the charge I did not speak with somebody nor did somebody from their office reach out to me. Due to the service paid for with the card, the merchant was unable to do anything and advised It would have to be done directly with the bank. Disputes were open for those two transactions amongst several others the bank responded fairly quickly with not even taking consideration they were unauthorized, I then spoke with an individual who stated I need to file a police report and provide the report number and open another dispute. At that point I went into the bank and closed the account and provided all of the information for the dispute, including the report number I did receive, basic general responses on some of the transactions advising their research did not Result in a reversal. However, I never received a response on the two {$3700.00} charges. I did speak with the bank and made sure that they were aware that since the transaction was process of the credit card it could be Disputed up to a year. I have continue to reach out to the bank and provide any information they need or inquire what I can do to assist their investigation. My understanding that all the disputes are closed and PNC refuses to acknowledge the unauthorized charges. I've since opened a new account to avoid issues in the future.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX cred {$2800.00} XXXX cred {$1000.00} XXXX credit {$930.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-07-31
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. (LA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2019-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/XXXX I sold an item on XXXX for the very first time. I recieved my payment for the item through Paypal because that is the only option offered to collect payment. When I received my money in my Paypal account {$91.00} or 2.9 % plus XXXX cents had been taken by Paypal in fees. At no time was I notified about the fee and it was never disclosed anywhere in the interface between XXXX and Paypay. I called XXXX and they verified that there is no disclosure to new or returning XXXX customers that states that Paypal will be deducting this fee, I also asked if I had any option other than using Paypal to collect the fee and I was told no. This is basically a forced fee since there's no other options to collect the money and they do not disclose the fee at all when you list your item on XXXX. I called Paypal today XX/XX/XXXX asking for the fee to be reversed because it was never disclosed anywhere on the XXXX and Paypal interface and the lady said that's my problem and that I should have read the small print whenever I signed up for Paypal. I signed up for Paypal YEARS ago. Nobody reads all the fine print and the way I typically use Paypal has no fees. It is not clearly stated or disclosed anywhere a consumer would actually notice it. The Paypal fee should be disclosed in a way that's easy to see and understand at the time you agree to collect payment through Paypal from selling your item on XXXX. This is a huge scam that I'm sure thousands of people fall for every day with absolutely no recourse. These big companies should have to be honest and forthcoming about the fees they charge which are astronomical and are based on a total percentage of a sale. In my case, the sale was several thousand dollars resulting in a huge fee that I never would have agreed to pay had I known in advance or had I been given any other option to collect my proceeds. Since XXXX and Paypay are associated they are completely abusing their clients by forcing them to pay an undisclosed fee to their sister company Paypal and giving them no other options but to use Paypal to receive proceeds.
Consumer complaint received 2024-10-01
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. (OH)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

Bankruptcy Reference # XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX 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, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I am writing to request negative accounts be reported correctly as In good standing accounts on my EXPERIAN report accounts XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX  XXXX XXXX accounts show discharged through bankruptcy XXXX  XXXX and potentially negative on my Experian credit report I have disputed these items with Experian. Experian responded accounts verified bankruptcy with third-party XXXX. I have received the Results of the Reseller Dispute from the XXXX file in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq ). As of XX/XX/XXXX, the dispute information has been removed from my file at XXXX. XX/XX/XXXX XXXX dispute filed with Experian but has not received a response. I have attached a dispute letter from XXXX with my driver 's license and social security card for verification. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the whole social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions, and criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the whole social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similarly situated class decide to pursue such action. Therefore, I request that reporting discharged through bankruptcy XXXX  XXXX be removed from accounts immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the negative accounts reporting from my credit reports.
Consumer complaint received 2024-09-12
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. (NE)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | May Presume that no nonf of the alleged Debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

and list of Inquiries.

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 2024-10-01
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)

There are inquires on my credit report that are not mine and I called Equifax and spoke with customer service to fix this issue. I was told by rep. that I can go online and process my disputes with Equifax.com and submit my documents for clarification. I submitted my inquiry dispute and was told by the automated system that the inquires were verified after XXXX hours and they will remain. I processed XXXX more disputes and was provided the exact same information again. 

I called Equifax directly on XX/XX/year> and was on hold for more than XXXX minutes and was not able to speak with anyone to resolve the issue of the inquires.

Per the FCRA 15 USC 1602P I am requesting help with having the inquires removed, I am not requesting all inquires to be removed due to some of the inquires in fact are mine, but not all of them and I never gave authorization for anyone to obtain any credit.
Consumer complaint received 2024-07-31
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. (GA)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX