davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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. (IL)

In XXXX of XXXX my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an XXXX email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of XXXX aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to XXXX XXXX were disconnected several times causing my score to plummet again, even while I've been working w/ XXXX other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past XXXX weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing identity theft.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

I initiated a bank deposit for {$1800.00} on XX/XX/23 from my linked bank account using the Robinhood ( RH ) app. The money was deducted from my bank account on XX/XX/23. I wake up in the morning on XX/XX/23 to a restriction on my RH account which prevents me from accessing my {$1800.00}. Keep in mind this is the only money i have to my name. I transferred it to RH because i trusted RH and never had any issues with RH the XXXX years Ive been using the platform. I received a notice from RH asking for bank statements of bank accounts I used in the past to deposit/withdraw money on RH with. The problem is that the accounts theyre requesting information about was accounts that i had linked to my RH account about 3 years ago and accounts i no longer have access to. I called customer services and the lady basically was telling me theres nothing they can do and that i have to provide the requested information in order to lift the restriction. I requested to close my RH account and she said that i would have to get the restriction removed first. I told her one of the accounts theyre requesting information from is an account thats been closed for years. She told me i would have to get a account closure letter from my bank. Thing is, that account was with XXXX which does not exist anymore. I called XXXX to see if they can help but after giving them my info they told me they don't have any information in there system about my old account with XXXX. How can a company do this? They wait till my deposit is in their system and then lock my account. Why not request that information before i the deposit money?
Consumer complaint received 2023-05-23
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-27
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX  Collection Agency Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I discovered an incorrect address, on my credit report that does not belong to me. Despite my continuous efforts, including multiple phone calls over a period of XXXX months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an account. I want to emphasize that I have never lived at that address, and the account associated with it is not mine. To address this issue, I began sending dispute letters for the accounts that do not belong to me. In my attempts to resolve this matter, I have also attached my identification documents, clearly indicating my correct address, in an effort to provide the necessary information for verification purposes. Despite these efforts, the incorrect address continues to be associated with my credit report, causing ongoing issues. I have taken these actions to rectify the situation, but unfortunately, the problem persists, and I have not received any resolution from the company.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

my name is XXXX XXXX and im writting today, In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
acct name : XXXX  acct. # XXXX acct name : XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX XXXX XXXX  acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX acct # XXXX acct name : XXXX XXXX XXXXXXXX acct XXXX XXXX acct name : XXXX XXXX  acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # 's XXXX, XXXX acct name : XXXX XXXXXXXX acct : XXXX acct name : XXXX XXXX acct : XXXX XXXX XXXX, XXXX acct name : XXXX acct # XXXX acct name : XXXX  XXXX acct # XXXX has violated my rights.

15 U.S.C.1681 section 602 A. States i havev 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.

these inaccuracies are causing me not to purchase a home or estabish any new credit.
Consumer complaint received 2024-01-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I originally purchased my car through US Auto Sales in XXXX of XXXX. In XXXX of XXXX if XXXX not mistaken US Auto Sales filed bankrupt and my loan was sold to a company called Westlake Portfolio Management which is a debt collector. Me being new to this happening and not really knowing or trying to research more into it I was paying this company my money. I was making on time payments in which I was receiving billing statements that reflected an amount due that was more than my payments due bi weekly, which were {$190.00}. I missed 2 payments and was charged late fees that was clearly outlined when I created the account that they did not charge late fees. I am also being charged an insufficient fund fee of {$150.00} and Im not fully understanding that at all. I just recently made a payment of {$200.00} on XX/XX/XXXX a week later I was notified that immediate action was required on my account although I was making payments on the account. Now I owe over {$1000.00} which includes my next bi weekly payment.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (FL)

I haven't received an answer from the 3 Credit Bureaus as of now, which is what led me to decide to ask you for help. They have acted negligently and refused to abide by my request. I am positive that they must adhere to the Fair Credit Reporting Act law, present documentation, and proof, and provide definite and accurate answers within the allotted statutory time. But if they didn't, they'd have to amend or remove the inaccurate and unconfirmed information. My credit scores have been severely harmed by their unpleasant and inappropriate behavior. Please notice the items I'm worried about below : XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I opened a claim about fraud and multiple times after throughout the week I tried to talk to them to help the case. To maybe make it easier. Unfortunately Wells Fargo did not side with me so I had to call them again to redispute the transaction and they said okay only way is through a supervisor. I said thats fine please have one call me they said sounds good in 1-2 business days someone will call on XX/XX/XXXX this call happened but no one called me. So I called them back after to talk XX/XX/XXXX they said once again that someone will call in 1-2 business days. And now it is the XXXX and no body has called me I am not someone who is rich and I didnt wan na take it to the CFPB but I will not continue to play cat and mouse over a case they dont wan na help me handle. Wells Fargo offers terrible service. The total amount was about {$2500.00}
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-21
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: World Acceptance Corporation (MI)

XXXX and World Finance continue to report inaccurate information. I have exclusive equitable claims to my financial asset which is the contract that is the security for this transaction. I do believe World Finance has failed to accurately account for this transaction. The equitable interest payments and principal balance are due to me and World Finance is responsible for the taxes. Because I know World Finance has failed to provide a return on my investment I am notifying the Internal XXXX XXXX to audit this account to ensure accurately. XXXX should not be reporting any late payments on this account as the interest is supposed to settle any amount due.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (CA)

Hello, I had a credit builder credit card with Chime Financial Inc. 

I closed this card on XX/XX/2023, yet the card/account is still open based on my most recent credit report. 

You can see this reflected in the XXXX  credit report attached on page XXXX of XXXX.
Consumer complaint received 2015-09-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (FL)

Misleading, excessive interest rates, lying about reporting to credit bureau. 
When you talk to them and the mailer informs you that you are approved, you get a loan look at the website, it looks like you are paying {$100.00} per {$1000.00} lent which is fair. They ask you the days you get paid, i get paid twice a month, they charge me not {$100.00} for the whole loan but per pay period and deduct {$150.00} each pay period so basically you only pay {$50.00} towards principal. These are loan shark rates. Also, they state in emails that they report positive payments to the credit bureaus. That is a lie, They misinformed me I believe I should only pay {$100.00} like they told me, I have paid the entire principal off when I found out about the scam but {$500.00} in interest for only 90 days of a loan.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Notice to XXXX, XXXX, Experian Consumer financial protection bureau I choose to opt out of the following credit reporting the following companies have not asked properly my permission for credit reporting and I choose to Activate my consumer options according to 15 USC 1682B to opt out of Their monthly credit reporting according to permissible purpose consumer law. 
STOP THE CREDIT REPORTING FOR THE FOLLOWING ACCOUNTS. 
___XXXX XXXX XXXX XXXX XXXX XXXX XXXX_______REMOVE__ACCOUNTS__REPORTING___NO___PERMISSION_TO__REPORT._______________________________________________________________________________________________________________________________________________________________________________
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We took out a loan with XXXX XXXX in XX/XX/ and setup with Bank of America to pay the loan with bill pay of {$520.00} on a monthly basis thru electronic transfer. Bank of America was unable to make the transfer electronically so after a week they sent a hard copy check ( dated XX/XX/XXXX  ) it the XXXX XXXXXXXX lock box. This check was endorsed and cashed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/. We were meanwhile informed that we were past due. XXXX XXXX had nor received our funds so we made a payment over the phone of {$520.00}. We also set up again a monthly bill pay with Bank of America to electronically pay {$520.00} each month which as worked correctly since that time. Since our inquiry Bank of America sent us a copy of the check ( letter dated XXXX XXXX XXXX  ) they directed us to XXXX XXXX for resolution and they have also opened and closed their investigations ( current Bank of America case number XXXX XXXX XXXX After visits to the local Bank of America office and countless phone calls with XXXX XXXX and Bank of America, without any progress, Bank of America decided in the Fall of 2022 that the issue was with XXXX XXXX XXXX XXXX and them. More phone calls to Bank of America, and multiple, confusing letters as Bank of America bill pay customer service didnt understand that the letters they were copying me on were actually there multiple requests to XXXX XXXX XXXXXXXX XXXX to complete and return to them an Affidavit of Non Receipt which was never sent back to Bank of America XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK (TX)

This account was charged off {$4.00}, XXXX and written off. {$4.00}, XXXX. This company is illegally reporting this account on my credit profile according to XXXX USC 1681s-2 ( a ) ( 1 ) ( a ) The IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I failed to make a payment to my Kay Jewelers account on XX/XX/. I received TWO text messages on XX/XX/XXXX saying I needed to call about an URGENT matter. I called once and spoke with someone and then a few hours later I received another text saying it was urgent to call Kay Jewelers. Today I called Commenity Bank/Kay to make my payment and bring my account current. I was told that in order to bring my account current I was required to make both the payment due XX/XX/XXXX as well as the payment that is not due until XX/XX/XXXX.