davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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  Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. 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 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I have been a Loan at Last customer since XXXX of XXXX. I have paid off loans in the past successfully. On XX/XX/XXXX of XXXX I reached out to XXXX and said she would reach out on Monday to discuss options. So on Monday Morning of XX/XX/year> I reached out and spoke to XXXX and she put me on a payment plan of XXXX XXXX weekly payments of {$75.00} On XX/XX/XXXX I reached out and spoke to an agent named XXXX to revoke the ACH to pay manually. I made a payment on XX/XX/XXXX. In total I have made XXXX payments of {$75.00}. I am currently struggling to make ends meet and I would like to settle for what I have paid and close the loan and I have been a previous customer before. I am on a fixed income and I'm barely getting by and I have financial obligations I have to meet. I look forward to a resolution.
Consumer complaint received 2023-09-21
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-02-16
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. (PA)

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 deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00}
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ASSOCIATED BANC-CORP (IL)

This bank is doing deceptive practices, misleading and misinforming customers. I have been trying to pay down the principal of my loan since the inception of the loan, however the bank finds excuses to not allow the funds to go towards the principal of the loan. They auto-debit my monthly home mortgage payment ( stipulation of the loan ), however if additional funds are paid towards the principal through their online portal, they allocate the extra payment towards the monthly payment and refund the scheduled auto-debit or may " keep it in another account '' which sits idle. Their website has the capability of making additional payments, however like other banks, they don't have the option of choosing what the payment is for, regular, additional, Principal ONLY, Interest only, or etc. The bank asks that when additional payments are paid, that I message the bank. Even though I do that, the payments still are not allocated properly and I have to call. The bank alleges extra payment can't be done the beginning of the month, or the end of the month or any XXXX week window of the time the auto-debit or the monthly payment is due, leaving the consumer with a short window to make the extra payment because it will then be considered as the regular payment. Shy of talking to the XXXX  of the bank, which I haven't been able to do, I have talked to numerous managers who tell me that they are not acting in a deceptive manner, yet at the end of the day, the bank is deceiving the consumer and performing deceptive practices to prevent paying down the principal of the loan.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.
Consumer complaint received 2024-01-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

I vacated XXXX XXXX XXXX in XX/XX/2023 and settled my final bill of {$130.00} shortly after moving out. The payment was made on XX/XX/2023. Surprisingly, a collection entry for the same amount, already paid, appears on my credit report from a collection agency. Despite providing proof of payment to the collection agency, the entry persists, detrimentally impacting my credit score and hindering my mortgage application for a house purchase. Your prompt assistance in resolving this matter is crucial.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

Attached is a complaint with the XXXX XXXX XXXX illustrating the company " XXXX XXXX XXXX '' aka XXXX XXXX  ( XXXX ) admitting to several counts of fraud including illegally using my information to open a credit account and sending my personal information to third party affiliates. This complaint is being filed in a string of complaints to " XXXX '' and " XXXX '' for inadequate investigating processes which have concluded this fraud account as " VERIFIED ''. All parties are in violation of : 15 U.S. Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law XXXX has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed below must be DELETED.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: GOLDEN 1 CREDIT UNION, THE (LA)

I am XXXX XXXX XXXX  stationed in Louisiana. 

According to XXXX law, the SCRA shall be applied to my account under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. Sent laws and requested SCRA benefits to my vehicle loan. 
XX/XX/year>. After several communications between self and XXXX XXXX, request was denied. 
XXXX XXXX will not acknowledge XXXX  law that extends SCRA 's benefit to any loan regardless of the origination date. 

I have provided my orders showing XXXX XXXX in the State XXXX XXXX
Consumer complaint received 2024-07-19
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: DISCOVER BANK (GA)

Hard inquiries include : 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 After contacting, I received no information or deletions from my credit report.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC (WY)

I had used XXXX  to Enroll my XXXX  checking account to be used with the XXXXXXXX XXXX account that's XXXX XXXX XXXX offers through their XXXX XXXX. XXXX took my XXXX log on credentilals and was able to send the relevant information to the XXXX XXXX account XXXX offers on there XXXX XXXX. I can confirm the account was correct. Purchases I made with the account some reason they did not get the information at my bank no proof that an attempt was made. The unpaid balance is now sent to checkredi within 2 days and they are charging a XXXXXXXX XXXX fee per transaction there are 4 more left and they allowed me to not pay the fee on the first 2 so I don't understand why they wouldn't for these others. Same issue.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Early Warning Services, LLC (CA)

1. The contractor, XXXX XXXX, XXXX, ( XXXX ) told me they will incorporate my business as a XXXX and ended up only incorporating as a single person XXXX- which has made my tax liability very different, and resulted in severe financial loss. When asked to refund the money for service not done they just avoided all calls and texts. Eventually I told them that I will complain to FTC, thats when they got back saying they were on " sick leave for the past XXXX  months ''. They finally accepted they made an error but are absconding since. 
2. They also charged me for tax guidance and filing service which they haven't given. I keep asking them to be mindful of my money and refund it if they can't help me and they again abscond. I have been chasing them for multiple months now and they just dont reply.

When I asked for refund for clear wrongdoing, they said " they have done nothing wrong '', and " we have already spent the money '' on the false, misleading and wronf service These people have caused me severe monetary loss for 1 ) wrong company structure 2 ) no tax guidance 3 ) no customer service 4 ) absconding when asked for updates I am someone with multiple XXXX XXXX XXXX XXXX XXXX, and I really can't afford to lose {$400.00}. I really really hope the FTC can help me get my money Details - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (NC)

I received an email this morning from chime saying that I had signed up for a credit card that I had not signed up for. I tried to call the company but it was a phone tree and they said I had to download the app to get support. I do not feel safe doing that.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

I am trying to unfreeze my Experian credit report to apply for an auto loan. I am unable to access my account. Experian 's XXXX-factor authentication is using a landline phone number that has been defunct for XXXX  years as my phone number. I can not get past this step on their website to log in to my account. I have tried calling XXXX different phone numbers and can not get through to a live person to assist. None of the automated options can help in the circumstance. I am utterly unable to purchase a new vehicle because of their poor systems. 

The screenshot attached shows a website error I have encountered several times. When I call this number, there are no options for assistance with a website error and no way to speak to a human person.
Consumer complaint received 2024-01-12
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: CREDIT ACCEPTANCE CORPORATION (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE Credit Acceptance
Consumer complaint received 2024-07-10
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc. (FL)

Good morning, I am writing to you because I have tried to solve the problem with the company TOMO BOOS, here is the link to their website XXXX XXXX XXXXXXXX, my account with them was through my email XXXXXXXX XXXX XXXX XXXX, I have sent more than XXXX emails and the services that they offered of a treadline in my credit bureau for XXXX, it never happened, they made XXXX charges which, seeing that I had no results, I tried to dispute them with my bank and for The time that has already passed, the bank could not help me, that is why I am writing to you, so that you can help me recover my money and sanction this company since it does not comply and this could not continue happening. The charges they made to me were : XX/XX/year> amount {$99.00} XX/XX/year> amount {$79.00} XX/XX/year> amount {$99.00} I am attaching all the emails inquiring about the service, claiming what I had contracted, asking for my money back, I have tried in many ways and had no response. I appreciate what you can do
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo reported my credit card account as 30 days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account six days past due for XXXX and not 30 days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is 30 days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency. 
Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for Wells Fargo shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account. 

-My Credit report shows the Wells Fargo XXXX payment reported as 30 days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with Wells Fargo, and I look forward to having this issue corrected and continuing to do business with Wells Fargo in the future.
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: Experian Information Solutions Inc. (FL)

THIS ACCOUNT IS NOT MINE. EXPERIAN IS NOT DOING DUE PROCESS ACCORDING TO LAW TO GET THIS REMOVED OFF MY CREDIT FILE. THEY ARE MERELY USING E-OSCAR AND NOT CONDUCTING A INVESTIGATION. I HAVE PROVIDED POLICE REPORTS, IDENTIFCATION DOCUMENTS, AND FTC AFFADAVIT AND EXPERIAN STILL HAS THIS LISTED ON MY CREDIT FILE AND IT IS NOT MINE. IT IS AN RESULT OF IDENTITY THEFT.
Consumer complaint received 2023-09-21
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. (OH)

Hard inquiries were not approved for : 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 XXXXXX/XX/2023 I called the dealership as I did not authorize these institutions that appear on my credit report. I approved three on my report
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

I got a copy of my credit report, and I saw a lot of incorrect information, so much so that I believe I am a victim of identity theft. There were incorrect addresses, employers, and inquiries that I never made. There is also a CHILD SUPPORT ENFORCEM account # XXXX I don't know anything about it. I have never given my social security number out, just to my employer. 
These violations fall under 15 US Code 1681 and 15 US Code 1681b ( FCRA ). The law clearly states the following : 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( the consumer ) to furnish an account on my report,. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts :.

Secondly, according to 15 USC 1681,. The law clearly states :.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and Unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.