davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (KY)

I submitted an application on XX/XX/2023 and was advised to put in the requested amount up to what I was approved for. I provided the requested information then was advised I was denied. When I contacted customer service, I was advised by XXXX that he couldnt provide information regarding the decline and I would need to check my email. After checking my email I discovered the denial reason was for bank account activity. I called back and spoke to XXXX again who spewed nonsense at me and stated for privacy they couldnt provide further details. How is it a violation of privacy when Im the consumer? This sounds like a load of garbage and companies like this need to be held accountable.
Consumer complaint received 2023-03-16
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. (NJ)

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. XXXX XXXX XXXXXXXX # XXXX, .. has 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (FL)

because of covid 19 i missed payment. i amppaying now the mortgage payment every month. i have a balance and want some help to be up to date. i had lost my job before. now i am able to pay the payment not the old balance, i need help thanks
Consumer complaint received 2023-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX has been paid off since XXXX/ they told me they were going to remove the account off my credit report and never did. I contacted them again and they hung up the phone on me. XXXX XXXX put a late collection for the month of XXXX on my Experian credit profile.
Consumer complaint received 2023-04-01
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: CITIBANK, N.A. (NJ)

multiple inquiries on credit report dropping. score unneedlessly. account opened on XXXX and inquires from different addresses continue appearing. XX/XX/XXXX XX/XX/XXXX XXXX.
Consumer complaint received 2023-04-01
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. (MI)

On XXXX XXXX, XXXX I certified mailed with return receipt, 3 dispu

tes to 3 credit reporting agencies . I found multiple violations, inaccurate information, wrong addresses and names and many inconsistencies. I was never notified via mail or email that my disputes were seen or heard. This carelessness in reporting has ruined my credit score and reputation. one of the accounts they have in " collections '' is open and I am actively paying on!!!! Please help me uphold these companies to the standards they have set!! I am asking these accounts be removed and all three credit reporting agencies are held accountable for ignoring my disputes and not responding or even opening a dispute in 30 plus days Kindly, XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (AZ)

I noticed inquires on my Credit bureaus that I did not do. I noticed there was a credit card opened in XX/XX/XXXX with XXXX XXXX, an inquiry with XXXX XXXX in an inquiry with Wells Fargo. I do not have accounts or credit cards with any of these three bureaus. When I noticed on XX/XX/XXXX, I started with XXXX XXXX where they said this card was opened with XXXXXXXX XXXX. I had the credit card shut down. Next with XXXX XXXX where I was told that this individual attempted to open XXXX credit cards with my name, date of birth, and Social Security number. They stated that the address and phone number did not match. They would not disclose what the address and phone number were. They shut down the applications and no further action was needed with XXXXXXXX XXXX. Next was Wells Fargo where I was informed that there was two credit cards opened under my name, date of birth, and social. Wells Fargo reported the same thing as XXXX XXXX that the address, email and phone number did not match mine. That day I froze all three credit bureaus with XXXX XXXX XXXX XXXX XXXX. I received letters in the mail XXXXXXXX XXXX and XXXX XXXX claiming fraud was detected and accounts were closed down. XX/XX/XXXX I got a letter from Wells Fargo saying no fraud was detected but letter was not received until XX/XX/XXXX. I called in a reconsideration with Wells Fargo as a transaction went through on one card for {$2500.00}. The representative told me that they see this person bought " points '' and that after the card was closed on XX/XX/XXXX that the person attempted to run it again on the XXXX XXXX XXXX. They told me the transaction happened on XX/XX/XXXX but did not post until days after. After XX/XX/XXXX I went into a Wells Fargo branch to change account information as I was having difficulty obtaining information from Wells Fargo since the information did not match my own therefore they could not verify my identity. The gentleman at Wells Fargo stated the account had an old address used at XXXXXXXX XXXX XXXX XXXX  but no unit number. My parents sold this condo back in XX/XX/XXXX. The phone number used to open Wells Fargo account was XXXX which I found was connected with XXXX XXXX XXXX XXXX and they said the number did not have my name on it but could not tell me whose name it was under. They said the phone number was also shut down. XX/XX/XXXX I got a letter from Wells Fargo again stating no fraud was detected. I called Wells Fargo at XXXX and spoke to XXXX who stated it was declined due to address and phone number being the same as the account. I tried to tell XXXX that I was forced to change the information on the account to have updates on the case. XXXX disregarded and said that I was not allowed to re-open a consideration unless a letter was faxed into their department stating why it needed to be reconsidered.
Consumer complaint received 2023-03-16
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. (LA)

Fraudulent Accounts Appearing On My Credit Report. 

1. Us Dept Of ED/XXXX {$15000.00} 2. Us Dept Of EdXXXX {$36000.00} XXXX. XXXX XXXX {$17000.00}
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.
Consumer complaint received 2023-11-18
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (MN)

Company : Client Services Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and my spouse continue to receive so many phone calls for over a year from this entity that during our work days we have to silence ringers to prevent work disruption. The phone numbers will change up to 3 times in a day. 
I received a debt settlement offer dated XX/XX/XXXX in the mail on XX/XX/XXXX. This is for a XXXX XXXX XXXX XXXX credit card balance of {$7100.00} with a settlement of {$2100.00} I have chosen to accept this offer and pay in full. The offer is stated to expire on XX/XX/XXXX. Please see attached document for verification. 
Over 10 attempts to make the payment since XX/XX/XXXX have been unsuccessful due to the below mentioned issues. 
Document indicates 4 methods of payment including ; XXXX ) csiezpay.com The online site requires specific reference number, birthdate, username and password to access site and make payment. After multiple attempts, a red box indicates 'there is no account connected with this information ' or 'we are having difficulty authenticating this account '. 
XXXX. ) Pay-by-Phone XXXX with multiple attempts, various responses are prompted- account was verified and once payment information was given, response was that payment is declined or unable to process then abruptly disconnects. 
XXXX. ) contact the office- XXXX receive a busy signal or prompt to speak to representative directs to call another number, XXXX which states office is closed or busy signal. 
XXXX. ) contact phone number provided on document- voice says 'sorry we missed your call, please leave message. ' No response to messages left requesting making payment. 

I have researched legitimacy of this business due to unacceptable response or function of the entity from all points of attempted contact. All I want to do is pay the offered amount before the offer expires on XX/XX/XXXX and have no way to do this.
Consumer complaint received 2023-03-29
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. (TX)

This company has my address in correct I have called ma d provided the correct information my address is XXXX XXXX  XXXX XXXX XXXX Tx XXXX It is not XXXX XXXX XXXX XXXX mi
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (MN)

I've had a terrible experience with Apple Support with an Apple Pay in app purchase refund. 
Upon XX/XX/2023, XXXXXXXX XXXX XXXX I had some purchases that came through to my bank from the apple XXXX and I noticed my funds going down XXXX dollars in under a hour or so. 
I've given permission to my child in the past to use the apple XXXX but not by this much after scolding him for such reckless degenerate behaviour I became immensely worried as this was simply too much money wasted way too quickly. 

I thought to myself why does APPLE not flag these purchases at all and deny them? 
I'm not wealthy by any means and so having that much money disappear from my bank account that fast is just something that has caused me immense financial difficulty. 

I had looked up ways to recover my funds i thought at first of going to my bank but realized that apple must have some way for customers to be refunded for virtual content purchases. I've heard horror stories before from games like fortnite where kids would spend thousands of dollars and place their parents in debt with charges that'd never be refunded from lootboxes and other virtual content so I was worried this would be a similar situation. 

I contacted apple support under 1 and 2 hours immediately after these purchases for a refund. 
exact date and time I had contacted them was Mon, XX/XX/XXXX, XXXX XXXX so I was within a reasonable timeframe for a refund. 
as the purchases were made XX/XX/2023, XXXXXXXX XXXX XXXX It should've been rather simple for apple to rollback any purchases made instead I had several days of my time wasted by their support in which time I've been in the red on my bank account. 
the fact that their support takes an insanely long time to resolve trivial issues like this says something alot about them and their total disregard for the customer. 

This mind you was the first time in my entire life I've ever been through their refund process. Perhaps they discriminated me because of my foreign sounding name? Or simply just didn't care enough whatever may be the case I'm extremely angry at how they've handled my case. 
Apple in app purchases shouldn't EVER have a refund denied if its done in a timely manner especially for someone first time especially in the case of lootbox/virtual content that has no tangible nor material presence. 
i've literally lost money because of pixels on a screen and apple simply can not just rollback all of the content? 
give me a break.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

My complaint is about Experian credit bureau I have disputed XXXX XXXX for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only XXXX XXXX  paid off that is totally incorrect I am asking for a XXXX I want this removed Experian did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with XXXX XXXX a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues XXXX XXXX is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and Experian doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (NJ)

I have a health insurance that I have been paying premiums on timely manner. However, for some reason my account has been sent into collection and it is very adversely affecting my credit score now. I have never been contacted or informed on this debt earlier. I was under impression my visit to the hospital was taken care of by my insurance company. I only find out about this collection when a lender run my credit report. 
I am a single mom and currently unable to take a loan and provide a roof over my kid 's head because how this collection is affecting my credit.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, XXXX, TRANSUNION ) And all secondary Credit agencies.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-16
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. (MN)

In accordance with The Fair credit reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Account three XXXX XXXX XXXX XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX  Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX  Open XX/XX/XXXX Account 7 XXXX XXXX  Account number XXXX XXXX Open XX/XX/XXXX. 
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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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