davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-12
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FirstCash, Inc. (CO)

*** Sub-category : approved for a loan but did not receive the money*** is not the correct category for this complaint. CFPBs complaint form auto-populates potential issues not allowing consumers to select " Other ''. This complaint is in an " Other '' category. 

This company 's location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO is one of two locations this complaint pertains to. The second location, XXXX XXXX XXXX XXXX, is the second location. 

This complaint pertains to the following : 1. Stores not using the current, actual gold price when estimating value of gold items; misleading consumers in the valuation of their gold. 

2. Pawn brokers not researching actual values of items and instead, making subjective assessments based upon their personal likes, or dislikes, of their consumers- enabling a culture of XXXX and XXXX discrimination in pawn loan services. 

3. Pawn brokers misplacing, or stealing, customer 's property. Collateral used toward cash loans at both locations has disappeared. 

On XX/XX/23 I came to the XXXX XXXX XXXX store in XXXX XXXX to get a loan on collateral that has been used previously. I have a 100 % redemption rate which means I never intend to leave any collateral at this store ; always return and pay off my loans and interest completely. Staff has commented previously that they've never seen any customer get so much money in loans that has a 100 % redemption rate meaning, I'm honest. 

Today, XXXX, a bad pawnbroker with a track record of errors and omissions, was unfortunately the individual who approached me for help. He said " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and then continued to make other XXXX derogatory and discriminatory comments toward me. 

Despite the value of the collateral presented, past loan on the item, and my reiterating my interest in a loan, not a sale, XXXX commented that while I intended to get a loan and pay it off to get my collateral back, that was not his plan for my item. He literally said to me " You may think you're going to come back to get your item but that's YOUR plan .... '' This is an interesting comment especially considering prior audit findings of missing items at this store. 

XXXX would not provide me with a loan. He continued to reiterated that he wanted to buy item, not give me a loan for it. 

Both this store and the XXXX XXXX location has pawn brokers who are misleading consumers in providing a fair valuation of fine jewelry based upon current gold prices. The stores do not update their daily gold price and I've witnessed several defective, out of date gold testing solution kits and diamond testers that do not work. What this means is that consumers are mislead about the actual gold content and gemstone status ie : diamond vs. CZ when these stores make an offer- always undercutting actual fair pawn value per pawn industry standards.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

According to 15 US Code 681s-2, 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 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (IN)

XXXX Customer service told me that there was no charges on their end at first on XXXX but then said oh it is on XXXX. At XXXX ... XXXX... They can't even get the correct date in their system. 

Puts a hold on your account when accepting the plan and you click to review your order. So then when you go to submit the payment, it creates an error due to it already putting a hold and will not let your purchase go through. You then have to wait XXXX  days!!! For your money to be available! Do not use! Still somehow still is accredited by the XXXX. 
I have to now go and fight my bank to release the holds which is a long and hard process
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

My loans were sold off to navient through American education services since then the payments have been extremely high. I was suppose to be paid off inn6 more years upon taking them out with XXXX  now Navient tells me I wont be paid off until age XXXX and puts forebearance and sometimes offers a program which you have to constantly apply for every 6 months and beg for approval tge payments went up to {$1000.00} a month no way can I ever afford that. Wondering if Im eligible to enter for the navient lawsuit. I saw the complaint filed that navient will be issuing checks to pay off loans hope praying Im one of them
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (FL)

The attached documents provide proof that the account balance of {$260.00} and a pending return for the same amount is a wash which equals to zero. However ; the attached proves that the business intentionally keeps a running balance on the account, along with asking for a minimum payment of {$30.00} due XX/XX/year> so that they can falsely charge a late fee. 

Process the refund, explain the intentional delay, as of this writing the account balance is zero.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CUSTOMERS BANCORP, INC (NJ)

I do not recall any knowledge of this account. To my awareness this is identity theft and fraud. Then I get notified that this account has been sold to a third party, XXXX XXXX XXXX. I am aware that financial institutions are not to share customers information with nonaffiliated parties. A crime was committed here. I notified XXXX XXXX Bank over 30 days ago by mail and they have not responded to me.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

American Express has violated my federal consumer rights under title XXXXXXXX XXXX XXXX. The account I had was open by me using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) which is my social security card. This company does not have a right to close an account that belongs to me and was opened by me. I did not give consent.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, 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. (AK)

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. XXXX Bank has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires. 
The following is appearing on my credit report Equifax XXXX XXXX XXXX XXXX  ( Never authorized or requested ) XXXX XXXX XXXXXXXX XXXX XXXX ( Never authorized or requested ) XXXX XXXX XXXX XXXXXXXX ( Never authorized or requested ) XXXX XXXX XXXX ( Never authorized or requested ) XXXXXXXX XXXX XXXX XXXX- ( Never authorized or requested )
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT XXXX XXXX XXXX XXXXXXXX ExperianXXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (GA)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately. 
XX/XX/23 XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Collection Account- Violation of the FCRA and FDCPA Dear Equifax , I am writing to dispute the accuracy of the following account listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 and the Fair Debt Collection Practices Act ( FDCPA_, 15 U.S.C 1692. I believe this account has been reported incorrectly and requests its immediate investigation and removal from my credit file.

The account ( s ) in dispute is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FCRA, specifically 15 U.S.C. 1681i, I am requesting that you investigate and verify the accuracy of these accounts. Under this provision, if you are unable to verify the accuracy of the information within 30 days of receiving this letter, you are required to remove this collection account from my credit file.

Additionally, according to the FDCPA, any debt reported by a collection agency must be reported with complete accuracy. If the collection agency is unable to substantiate the debts in question or if these accounts were reported in error, this constitutes a violation of 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation in connection with the collection of a debt.

I request that you forward all documentation used in your investigation to me for review. If you can not verify the accuracy of this debt, I demand the collection entry be deleted from my credit report immediately and that you provide written confirmation of the deletion, as per your obligations under 15 U.S.C. 1681i ( a ) ( 5 ).

Thank you for your time and prompt attention to this matter. I look forward to receiving an updated and accurate copy of my credit report following your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have sent multiple dispute letters to Equifax, and it seems that you are simply ignoring my attempts at correcting my credit report. I do not believe any investigation has ever taken place because if there had been, this account would not be reporting inaccurately. I've detailed creditor names, account numbers, and facts taken directly from my credit report that prove why they need to be deleted. I have even sent proof of payment for the month that's reporting late. What doesn't make sense to me is that in addition to being inaccurate, these accounts are also in violation for continued reporting. I am attaching an invoice detailing the violations Equifax committed. Please remit payment to the address on the True Bill. I am also attaching my credit report showing that Equifax moved my late payment from XX/XX/XXXX to XX/XX/XXXX instead of deleting it. They then changed the late payment back to XX/XX/XXXX. Please pay the attached invoice and remove the late payment from my credit report due to inaccurate reporting and gross misconduct on your part! I will be seeking legal action if the following account is not deleted along with the said amount due to the many FCRA violations. XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Block, Inc. (LA)

After pay have the rudest people. They are not Americans. They talk to ppl any type of way. I was a loyal customer over 4 years. Never missed a payment. They are rude. They are heartless. They do my care. Its too much to type.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The following laws have been violated by XXXX : - 15 USC 1681a - Requirements relating to information contained in consumer reports- 15 USC 1681b - Permissible purposes of consumer reports- 15 USC 1666 - Reasonable procedures to assure maximum possible accuracy of consumer reports- 15 USC 1681q - Obtaining Information Under False Pretenses - 15 USC 1681n - Civil liability for willful violations of fair credit reporting Among the errors identified in my credit report are wrong personal information, falsified account status and incomplete payment histories. As a result of these inaccuracies, my creditworthiness has been impacted, preventing me from obtaining credit at the most favorable terms and possibly subjecting me to additional expenses, such as higher interest rates and fees.
Consumer complaint received 2023-07-15
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. (NY)

I did not authorize these inquiries. Please remove these inquiries immediately. I have included my ftc report XXXX XXXX, 2023 CompanyXXXX XXXX XXXX  Date-May XXXX, 2023 XXXX XXXX, XXXX XXXX XXXX, 2023 Company-XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (DE)

There is an error on the accounts that your company is reporting on my credit report. I am upset that this is happening on my credit report. I want the company to remove this accounts as quickly as possible because of these inaccurate informations being reported by your company.
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (TX)

My account is currently closed with EdFinancial because of the requirement by XXXX to change to a qualifying loan with XXXX. However, Ed Financial 's automated phones system requires that you enter in a social security or account number in order to proceed to talk with a customer service representative. If your account is closed, then you are NOT able to speak with a representative over the phone because the system will not connect you because the social security or account number is not recognized. 

I had to jump through a ton of hoops and spent hours trying to find ways to connect with a representative. I finally was able to connect with a rep on XX/XX/XXXX. I requested a historical accounting of my accounts because XXXX has denied my PSLF because my qualifying payments were not recorded. 

Ed financial said it would take several months just to receive an accounting. As a consumer I have a right to receive an accounting of my account within a reasonable time period. Several months, because " you are backed up '' is unacceptable. If I go into a bank and the bank says they can't give me my money because they are flooded with requests and because they have not appropriately hired enough people and thus it will take several months is just plain ridiculous. The lender is not fulfilling their responsibilities to the consumer... the financial institution has fiscal duties to provide services within a reasonable time period. 

Second, I requested to speak to a Supervisor. There is no escalation path for consumers. You are not allowed to speak with a supervisor. They will not connect you with one. They require you to submit a request and one will supposedly call you later. I never received a call back from Ed financial. 

Today I chatted with ed financial on XX/XX/XXXX because I was unable to reach a representative by phone. I was told by the representative that it would take XXXX business days to receive an accounting. When I told them I needed an accounting, they said that I needed to receive that from XXXX. But XXXX says they don't have records of my payments. I also have complaints about XXXX but that is another story. It seems that each financial institution just wants to point the finger at each other and no one wants to take accountability.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

In XXXX XXXX I opened an Ashleys card by synchrony bank. I purchased a sofa with my card and have made timely payments and have never been late. I kept some credit on the card in case I wanted to buy more furniture, however, Sychrony bank kept decreasing my available credit. To the point where I now had only {$600.00} in credit when initially, I had a {$2500.00} credit limit. Yet, I kept making timely payments. After I made XXXX payment, they added a {$900.00} interest rate charge to my account and over charged my account and this made my account go over limit. This isnt right, just overnight, they took away any remaining credit I had on this account. My balance was almost paid off and now this did this crooked transaction. This isnt right, I have other credit cards and Ive never had this happen. I promptly closed my account with these crooks.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

On XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX  about a payment plan option that is set to expire on XXXX XXXX. I wanted to choose option 1 for a full lump sum payment in full. I spoke with a representative named XXXX who could not explain why I received a collection on my XXXX credit report which dropped my score XXXXXXXX XXXX and it was only XX/XX/2023. He could not explain why so I requested a supervisor. A supervisor named XXXX XXXX spoke with me and informed me that they can actually report that to the credit bureau after having my account for 90 days. He then told me that they received my account on XX/XX/2023. I replied that 90 days would be XXXX XXXX and today was XXXX XXXX so it was not 90 days. He put me on a brief hold and then came back and told me it was 40 days and that my 40 days was expired. At that moment I felt that something was not right and that it may be thousands of other people who rights are being taken advantage of and being violated. Please see attached documents for verification and the phone call was on a recorded line at phone number XXXX on XXXX XXXX. 
Thank you so much for your help and investigation into this matter. My plan was to pay it before the XXXX XXXX deadline however it was already reported and had damaged my credit score significantly before that date.