davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I was unable to pay the loan due to losing my job ( XX/XX/2023 ) and having a few unexpected expenses that had to be taken care of ( medical bills and the stove died and needed to be replaced. I spoke with a representative and was told that a small payment of {$80.00} would cover me until the next month. This was in XX/XX/2023. I made a payment on Friday and received a call the very next day from the company where the representative told me I was still behind on my payment and if I did not pay the difference, I would be sent to collections. At that point, I told the company they would have to send me to collections because I did not have any more money. After that point, I ignored most of the phone calls due to their insistence on calling daily, often multiple times a day, and I could not come current on the payment. The Manager at Tower Loan text me on XX/XX/XXXX about making a payment to get caught up to date and not have to make a payment until XXXX. I did not get a new job until XX/XX/XXXX. I spoke to the manager on XX/XX/XXXX about making a payment that would allow me to be okay until XXXX. I made the payment and was contacted the next day about needing to make another payment to be current. The manager then said that she had never said the payment of {$95.00} would keep me from needing to make another payment until XXXX. At that point, I told the company that all communication with me needed to be through email or text. I made another payment of the same amount on XX/XX/2023 that should have counted as my XXXX payment. I spoke with the manager again on XX/XX/XXXX, and she told me I could pay {$82.00} to keep her from pursuing litigation. On XX/XX/2023, I made a payment of {$100.00}. On XX/XX/XXXX, I received another phone call saying that if I did not bring my payment current, I would be sent to the attorney. On XX/XX/XXXX, the manager attempted to call me and I told her I would only speak with her through text or email and hung up. She responded with a text " Well, I was going to tell you have I couple options to help you out, but I will just let you explain to the attorney that charges you {$2500.00}. Remind him that you did this to yourself '' When I reminded her of the conversation, her response was " Again, you explain your case to the attorneys. Or you can come into the office and sit down with me on Monday and we can review your account together. Have a good day. '' I did not respond. On XX/XX/XXXX, she text me again asking if I want the attorney 's information. Meanwhile, I have received a phone call from Tower Loan almost every day since XXXX. This is beyond harassment and I am obviously attempting to pay off the loan. However, the manager will only speak with me over the phone or in person where I have no record of what she says because she is willing to change what she says. 

I am attaching a snippet of my phone records. All numbers that are XXXX. This is just 2 days.
Consumer complaint received 2023-10-16
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. (IN)

I submitted disputes expressing these companies were in violation of consumer law. I have been a victim of identity theft and these companies still proceeded to report these negative collection accounts i don't have any knowledge of. Also these companies shared my personal information with dept collectors without my knowledge or concent. And also refused to supply me with their detailed process that deemed these accounts to be correct and accurate thereafter.
Consumer complaint received 2023-10-16
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. (IN)

I submitted disputes expressing these companies were in violation of consumer law. I have been a victim of identity theft and these companies still proceeded to report these negative collection accounts i don't have any knowledge of. Also these companies shared my personal information with dept collectors without my knowledge or concent. And also refused to supply me with their detailed process that deemed these accounts to be correct and accurate thereafter.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

It seems that Capital One has found a way to extract exorbitant fees by unilaterally recategorizing a class of transactions as " cash advance '' transactions without notice or informed consent from the consumer. 

I have used my Capital One credit card for an automatic monthly transaction/payment with an online vendor, which I began charging to my credit card in XX/XX/XXXX. Since the inception of this transaction, there were no additional fees aside from the normal credit card interest for all transactions. Then, without notice or my informed consent, in XX/XX/XXXXXXXX  Capital one began charging me a " Cash Advance Fee '' of {$10.00} per transaction plus a separate variable APR which is currently at 30.15 %. Since XXXX, I've been charged a {$10.00} fee plus the 30.15 % APR for a $ 56 monthly transaction. 

When I spoke to a Capital One rep, he explained that there was a " promotional offer '' that I accepted when my account opened that had expired in XX/XX/XXXX. Given that I've had this card since XXXX, it's hard for me to believe that I had opted in to a promotional offer that happened to expire after 18 years. When I spoke to the rep, I expressed my frustration with their practice, but he did not remove the fees. This seems like a sneaky and deceptive method of extracting exorbitant fees from consumers.
Consumer complaint received 2023-10-16
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: Westlake Services, LLC (GA)

On XX/XX/2022 XXXX XXXX XXXX XXXX, Westlake ServiceINC, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.
Consumer complaint received 2023-10-16
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: ALLY FINANCIAL INC. (GA)

On XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX, Ally Financial XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Account has been fraudulently opened with my email address and name. However I am unable to report the fraud to Bank of America because they require the account number to speak with a representative. I do not have an account number since it was sent to the person committing fraud.
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MT)

Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. I have been XXXX from a XXXX XXXX since XXXX  and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (LA)

It's appears that Nelnet is reporting 29 accounts student loan on my credit report which complete the monitor after 3 years of discharge with {$0.00} balance. I contacted Nelnet about this matter and stills no response. I planned to resume a legal aide lawyer in this matter if it's not resolved or removed.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 2023-10-16
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. 

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 inructions 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 2024-04-05
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. (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 XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX BANK XXXX Account XXXX has XXXX XXXX XXXX. Or a 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 2023-09-20
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. (FL)

Under the Fair Credit Reporting Act, XXXX Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (NY)

I was given a Garnishment XXXX  work for the following card : Midland Funding LLC aka Midland Credit Management who has now taken over the company and/or debt.

I have written ( Certified receipt ) to the company and asked them to send me information on the original contract and to show my original signature to prove it was my debt. 

I have also joined a credit system company to get my finances in order as well as my credit.
Consumer complaint received 2023-07-24
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)

XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act converging account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (VA)

Submitted paperwork for PSLF on XX/XX/XXXX - never processed Submitted paperwork for PSLF on XX/XX/XXXX - never processed I can not reach a person due to excessive wait times. I just want to know what the status of my loan is so that I can prepare for repayment.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MA)

I was charged by several online companies for products I was attempting to buy, {$2700.00} in total. The products were never delivered and I've never even been given a receipt for my transaction. I've tried several times to search for contact information for the company and could not find anyone to resolve my issue. I then disputed the transactions with my bank who denied ALL of the disputed transactions. They've informed me that I will need to reach out to the company. How can a consumer reach out to a company if no phone number, physical address or XXXX XXXX was provided? On XX/XX/2023 The claims department purposefully entered wrongful dispute formation and on XX/XX/2023 a " Customer Care Specialist '' informed me in order to seek arbitration I would need to contact a lawyer. This is illegal!
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-08-09
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act these creditors XXXX  Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX Amount {$1000.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX Amount {$240.00} XXXX, XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX XXXX, Amount {$240.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX XXXX, Amount {$1000.00} These accounts are reporting on XXXX, Experian, and XXXX These creditors have violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604A section 2 also states that the consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose Thanks in advance for your he
Consumer complaint received 2024-04-05
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. (GA)

This complaint to TRANSUNION for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

Penn Credit Corp has filed an unpaid debt of {$4900.00} under my name to the 3 main credit reporting agencies, XXXX, XXXX, and XXXX which has had an adverse effect on my credit report. I have disputed this debt because they have no supporting records that I owe this debt. In fact they are asking me for documents to accompany my dispute. Since I have no knowledge of this debt since it most likely is past the statute of limitations, I'm filing this complaint with the FTC so I can send this to Penn Credit Corp to accompany my dispute.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (NY)

Hi, I have had an account with Wise ( Wise Inc ) for 3 years. They asked me to provide some verification details, so I did, successfully. 

They have still not unlocked my account and my {$2000.00} is being held for now 4 weeks. I am behind on rent because of this and wise are not taking responsibility. 


Account : XXXX XXXX
Consumer complaint received 2023-07-18
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. (FL)

Un Authorized inquiries 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 2018-05-10
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-10-16
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. (DC)

My dad put a car in my name using a loan from XXXX XXXX and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid XXXXXXXX XXXX after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.