davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Applied for a loan in person for XXXX but, at the time of the loan everything was done on her computer and she said everything would be emailed to me but it was never sent to me and when I called them on several occasions to discuss why the loan is not decreasing in the amount but is instead increasing all I received was the run round. 

I am aware that a lawsuit has been filed against titlemax for XXXX XXXX dollars with XXXX XXXX going to military families for predatory lending practices and XXXX XXXX going to consumers and I would like to know how to become apart of the lawsuit. 
I have already contacted XXXX  XXXX and did an interview with a reporter regarding titlemax illegal practices.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

SYNCB/SYNCHRONY MUSIC pulled my credit on XX/XX/2022. Federal laws broken are 15 USC 1681 A 1-6. This was an invasion of my financial privacy.
Consumer complaint received 2024-03-21
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. (FL)

This address and inquiries below that are showing on my credit report are fraudulent and needs to be removed immediately off all my credit reports. 

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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC .
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-03-21
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)

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 - XXXX, possible - XXXX dept of education- 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 2023-05-09
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: Monterey Financial Services LLC (CA)

Im a senior citizen and was sent a text from XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. I was told for {$49.00} I can do a photo shoot and I could model. On XX/XX/2022 I went in for photo shoot. Then they take me in the office and said they like my photos and want to use them I have to pay {$5000.00}. I told them I couldnt afford so they went down to {$2000.00}. I gave a {$450.00} down payment and felt pressure in signing not realizing what I was signing. They wouldnt let me cancel the next day and they said I owe {$1500.00} additional. I didnt get the photos nor do I want them. They now sent bill to a collection agency and it has gone on my credit report. Its Monterey Collection service XXXX, Calif. I feel this company is taking advantage of senior citizens and I dont know what to do. I am XXXX XXXX XXXX. Can you please advise. Thank you.
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I have a loan through Mohela and have been placed on Administrative Forbearance for several months so I am not allowed to make payments on my loans and this doesn't count toward PSLF. This is absolutely ridiculous. They had over a year to get their paperwork together while my loans just sat there over COVID and now I want to make payments to help decrease the amount of interest accruing BUT I CAN'T. This is a completely unfair practice. I did not agree to this when making my loans.
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Inquires on my equifax report XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.
Consumer complaint received 2023-05-09
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: CITIBANK, N.A. (CT)

I received a phone call from a credit union that was trying to verify my information for a large loan. She then explained there appeared to be MANY other recent inquiries. All of which were fraudulent.
Consumer complaint received 2023-05-09
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. (GA)

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. 


Account name : XXXX XXXXXXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-01-04
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)

On XX/XX/XXXX Venmo froze my account when I attempted to cash out my funds. They requested my ID. I submitted it. They told me it would take XXXX  days to verify and unfreeze the account. A week or so passed and they then asked for a bank statement. I submitted the bank statement. I called them today XX/XX/XXXX and inquired they gave me the run around and told me someone would follow up. I received an email saying that my account was unfrozen this evening but when I tried to cash out my balance it is still showing as frozen. At this point they are holding my money hostage and I need it to pay my rent. This will make me late paying my rent. If they can not unfreeze my account after I sent everything they asked for I need them to return the funds to sender so that I may receive them another way. Theyve done nothing but lie and give me the run around.
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

About month ago, I contacted XXXX XXXX on a new account. It sent me to a company called XXXX XXXX  XXXX by mistake. I was told that I owed XXXX on a XXXX XXXX credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of Portfolio that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a bankruptcy court. The account is XXXX. The phone number of the Portfolio Recovery Associates is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another Portfolio Recovery Associate because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

On XX/XX/XXXX, I was notified of a fraudulent charge on my credit card which led to cancellation of the card as a precaution. While attempting to call and report the charges, Bank Of America customer service stated that they could only verify my identity via an outdated phone number on their system. The phone number in question was discontinued and removed from my contact information in XXXX after my relocation with the military to XXXX. The representatives stated that that phone number was the only way to verify who I was and as such no further assistance was offered other than personally going to a branch with " XXXX forms of IDs ''. 

On the bank 's website, they advertise to have multiple international locations " all over the globe ''. However, this is false as the reported global branches are only for Corporations and Investment Banking only. The branches in XXXX, XXXX, XXXX, and XXXX were all contacted who confirmed that no personal banking needs would be met. 

At this time, all my access to my accounts were restricted by the bank of america, hence, I could not withdraw, transfer, or access my accounts at all ; leaving me in XXXX without any funds. 

Given the dire situation, I managed to fly to XXXX for XXXX day to confirm my identity as requested. During this visit, the financial branch updated my information with a new phone number in order for me to receive verification codes via phone. At this time, I only could get access to mobile banking which was limited to only paying bills. No funds could be transferred to withdrawn while pending debit and credit cards being mailed. 

On XX/XX/XXXX, I was alerted to an activity on a credit card which was just mailed. I contacted the bank, however, was told that the new phone number could not be used because it was not verified, and as such no assistance could be given. XXXX agent stated, " your inconvenience is not our priority '', hence, again I am restricted. 

Below, please find my efforts to contact and resolve the situation with the bank : The phone customer service, credit card services, and fraud services were contacted on the following dates and times : XX/XX/XXXX at : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at : XXXX XX/XX/XXXX at : XXXX ; XXXX ; XXXX XX/XX/XXXX at : XXXX Emails were sent to : XXXX; Finally, I flew to US on XX/XX/XXXX and XXXX on XX/XX/XXXX believing that this had resolved the situation but appears not. I am unable to fly to the US because the institution does not have appropriate security measures especially since going in person appears not to matter. 

Thank you for your time
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Equifax is given by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXXXXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX Date of inquiry XX/XX/XXXX XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Reported balance {$3000.00} XXXX XXXX XXXX : XXXX {$1700.00} XXXX XXXX XXXX : XXXX View Account XXXX Reported balance {$4900.00} XXXX XXXX XXXX : XXXX balance {$3500.00} Date reported XX/XX/XXXX XXXX XXXX XXXX : XXXX {$1500.00} XXXX XXXX  XXXX : XXXX {$3500.00} XX/XX/XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous.3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat theses reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently received a copy of my 3 credit Bureaus report and I noticed inaccurate information posted on my consumer report. The following are inaccurate items listed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XX/XX/2023
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (IL)

I am being charged for an alleged debt, and I never entered into a contract with Absolute Resolutions Corporation. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. These acts are severely prohibiting my ability to access my own credit.