davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Upstart Holdings, Inc. (CA)

I took out a car loan from upstart and did not realize the type of loan i was taking out, i was under the impression that i was taking out a loan through the car company. the dealership did not explain to me what was being taken out and how much i would have ended up paying towards to a USED car by the end of the loan.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not make these inquiries. 

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 2024-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

In the Middle of XXXX after the XXXX of 2023 I started receiving communications from Midland Credit Management stating that I owe them an alleged debt that they purchase from XXXX  XXXX. I have asked them to produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX XXXX account that bears my signature. To validate the reasoning for contacting me for the alleged debt. Continuously they send the same automated message of the date is was open / date of charge off/ date purchased / original purchase balance and billing statements and notes that can easily be photoshopped. They can produce that information but can not simply produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX XXXX account that bears my signature. Any other communication is NOT A CONTRACT. 

How is midland unaware of what a master promissory note is or what a bonafide contract is but they are in business collecting on debt? 

I recently checked my credit report and see that Midland is now reporting a collection account without providing the information that I asked for which is a violation of my rights. In addition lying and using deceptive practices to solicit money from me. For example its states the Original purchase balance was {$5100.00} debt collection companies never purchase debt for what is currently owed which means you are voluntarily lying to me to get me to contract with you. 

When an account goes into default and it is charged off from a financial institution ( XXXX XXXXXXXX ), it is charged off as a lost and the consumer is to file that on their taxes as income. That is the end. Midland Credit Management ALLEGED purchase has nothing to do with me if they cant produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX  XXXX account that bears my signature. I DO NOT CONSENT NOR DO I ACCEPT THEIR OFFER AND WE DO NOT HAVE A CONTRACT.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid 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 (CA)

My Wells Fargo credit card shows an outstanding balance that is more than the running balance kept in my account. There is an amount for which there is no record : {$24.00} is the amount not showing. It is included in my outstanding balance, but is not a carry over from the previous month, nor a charge showing in my transactions. It is an amount included in my charges, but there is NO record for it. I spoke with the rep. on the phone, she tallied all of my charges and came up with the outstanding balance, but could not answer where the extra XXXX was coming from, since it does not show in my running balance or in my transactions. There is something wrong here. I have informed them I will not use my card again until this discrepancy is resolved, and she offered to transfer me to her superior. After a long time I was told I would have to wait since that superior was unavailable. I hung up. 
My account shows all transactions, and this {$24.00} is no where to be found. It is not a pending transactions nor in posted transactions. It is an amount that does not exist in my charges. I am being charged for an amount that Wells Fargo can not account for. Please investigate. I asked the bank to do so, and was stonewalled.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2021-02-10
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. (TX)

To whom it may Concern I'm a Victim Of identity theft. These Account that is On my Report. I did not Give any One consent To Open These Accounts. All Accounts are Fraud This is very Stressful I'm a single Mom Trying To do right for my Life now Someone is trying to Destroy my Name and Life Please help me Resolve This Situation
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writting this letter because I found several errors you are reporting to my consumer report and are hurting my good name. Please fix immediately as I have paid this account in full and its now been closed in good standing. 
XXXX ( XXXX )
Consumer complaint received 2024-06-21
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. (GA)

This account was fraudulently opened in my name using my personal information as well as changing personal information of mine. I never opened this account and was not aware of this account until obtained a credit report. Ive emailed all attached documents to all XXXX credit bureaus as well as mailed a copy to your company
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (VA)

Hi, my social security number has been compromised. Noticed it first when a XXXX account was opened in my old name, XXXX XXXX and my SSN. Took care of that issue and thought it was over. Then I saw that there was a collection on my credit report and when I called, they said someone opened a XXXX account back in XXXX XXXX  in an address I do not know, using my old name, XXXX XXXX, ( Legally changed to XXXX XXXX, back in XXXX  ), and my SSN. So had to dispute this. Dont want this to get serious where the police is at my door for something and its not me.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, account opened at XXXX XXXX XXXX on XX/XX/XXXX, account opened at XXXX XXXX XXXX on XXXX XXXX, account opened at XXXX XXXX XXXXXXXX on XXXX XXXX under the account number XXXX, account opened at XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-09-20
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (ID)

DEPOSIT CHECK AND GET PROCESS FOR ONE MONTH WHEN THE CHECK AVAILABLE THEY CLOSE THE ACCOUNT AND THEY DONT GIVE ME ANYTHING AND THEY GIVE ME DIFFERENT REASON EVERY TIME WHEN I CALL CHECK DEPOSIT TIMEXXXX NOTE THAT THEY CONTACTED THECOMPANY THAT ISSUED THE CHECK 3 TIMES AND THE ANSWER YES THE CHECK FOR XXXX XXXX  IBROUGHT ALL THE REQUIRED PAPERS INCLUDING THE CHECK HOLDERS INFO BY THE WAY THIS BUSINESS ACCOUNTS UNDER XXXX XXXX XXXX THE CLIENT SAID THE CHECK TOOK FROM CHASE BANK 3 MONTHS AGO LATE CHECK PAYMENT RESULT IN FINES
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (OK)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ALLY FINCL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: STANDARD MORTGAGE CORPORATION (LA)

I caught XXXX twice during the month of XXXX. I was ill and unable to work ( self-employed ) and I was focused on healing. I forgot to make a payment in XXXX. I remmebered on XX/XX/XXXX and I made payment. It did not process in their system until XX/XX/XXXX. As a result it got reported on my credit report and I lost XXXX points. I am asking for relief and forgiveness because COVID-19 had me ill and unable to work. 

Have not been late for a payment in over a decade.
Consumer complaint received 2023-05-02
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. (VA)

I'm sending you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 

This is a list of things that don't belong to me or that weren't opened with my consent. 
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 2024-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

PayPal and venmo ( Respondent ) has violated Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) ; the Privacy of Consumer Financial Information ( Privacy Rule ), 16 C.F.R. Part 313, recodified at 12 C.F.R. Part 1016 ( Reg. P ), and issued pursuant to the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801-6803 ; and the Standards for Safeguarding Customer Information Rule ( Safeguards Rule ), 16 C.F.R. Part 314, issued pursuant to Sections 501 ( b ) and 505 ( b ) ( 2 ) of the GLB Act, 15 U.S.C. 6801 ( b ), 6805 ( b ) ( 2 ) ; and it appearing to the Commission that this proceeding is in the public interest, alleges : 1. Respondent PayPal , Inc. is a Delaware corporation with its principal place of business at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. 
2. Respondent operates Venmo, a payment and social networking application and website that allows consumers to make peer-to-peer payments and to share information regarding such payments through a social network feed.

3. The acts and practices of Respondent alleged in this complaint have been in or affecting commerce, as commerce is defined in Section 4 of the FTC Act.

VENMOS BUSINESS PRACTICES Background on the Venmo Peer-to-Peer Payment System 4. Venmo has offered its peer-to-peer payment service to consumers since XXXX. 
The service was previously provided by a Delaware corporation of the same name, and, since an acquisition in XXXX, has been provided by Respondent operating as Venmo. 
5. Consumers can download the Venmo application ( the app ) onto their mobile devices and use Venmo through its website, Venmo.com. Consumers create a Venmo account to which they may connect external bank accounts, debit cards, or credit cards. Sunday XX/XX/XXXX $ and at least 20 more transactions.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXX/XX/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 ) ( XXXX ) 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 2023-09-28
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. (TX)

I pulled my credit report on XX/XX/XXXX to check my credit report for inaccurate information but when I went to the hard inquiries section, I noticed I had some hard inquiries that I did not apply for at any time. I sent a letter to all three credit bureaus but have not received any feedback to my letter which has been 30 days.
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I took out the loan of XXXXXXXX XXXX online at cashnet. At the time I knew the interest was high, but did not and was not told the interest of XXXX was a daily amount. In other words I can never get it paid off. Even though the company keeps trying to get me to claim money on the line of credit. Which I have Not done. I am on XXXX XXXX so this is deeply effecting my life.I need help. Please.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Company did not resolve the issue of my claim, instead just sent multiple emails asking for information that was sent already in regards to my claim. I'm receiving multiple emails asking for information in regards to my claim but when I send over h the information I get no confirmation it was received and then on the deadline I get an email stating my claim was denied because I didn't give it to them. XXXX, I have saved every email and every email asking if my information was received. 

The company claimed I did not send information and then closed the claim, only decided to reopen it up because I made a public statement in regards to it, I don't hear or receive anything in regards to the claim when I send information. Why open and close open and close claim. If sending an email to your XXXX isn't accurate let me know.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I to Citibank on XXXX XXXX XXXX XXXX XXXX XXXX to withdraw money to pay my XXXX back.When I was at the Teller I told them didnt want a receipt to my Business account.Teller gave my XXXX that is not that is not on the account my receipt without my permission after I left the bank.The XXXX  was doing a separate transaction on a different account. The second incident I was trying deposit a refund check to my account and the Teller refused to deposit causing me to get upset.The Branch Manager started screaming at me.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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