davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (OH)

A few months ago I ran into a problem with paying my loan with Republic Finance because my wages were cut almost in XXXX. I made them aware that I would probably be filing bankruptcy. I managed to get the total together for the amount past due but when I went online to pay, I was locked out. I made the payment at the store and they told me that I would have access to my account after I made the payment. No. I went back in to try to pay this month and Im still locked out. I dont always have the gas to drive across town to pay them monthly nor do I trust them to give my information over the phone. I have tried to get them to unlock the account to make payments, but they refuse.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (TX)

On XX/XX/2023, I discovered several drafts from my XXXX XXXX checking and savings account from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX  XXXX XXXX. for Absolute Resolutions Investments LLC and who drafted funds from my accounts without my knowledge or permission. 

The XXXX XXXX XXXX drafted {$310.00} on XX/XX/2023 and {$380.00} on XX/XX/2023 from my checking account and an additional {$120.00} XX/XX/2023, {$19.00}, and {$4.00} on XX/XX/2023, from my savings. This money was to pay my bills. 

I was unaware of any judgements against me until these payments were drafted. When I reached out to XXXXXXXX XXXX XXXXXXXX XXXX. to discuss validating the debt that also has the wrong account number fand is past the Texas 4 year statue and they failed to do so. It was also discovered that the Process Server that was used by XXXXXXXX XXXX XXXXXXXX XXXX. forged the citation document claiming to have served me. I filed a complaint with the XXXX and an active investigation is pending. My accounts that I had in good standing are ruined as a result of these actions.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AR)

I joined chime because I had a dispute with XXXX XXXX  and they retaliated by turning me into XXXX. Although I have a change of address because I am XXXX XXXX XXXX but it never showed up. I called and explained after trying for like two weeks through net. They made themselves hard to contact and I complaimed about it. Have a scr3n shot. After over a month I got fed up. I am a vet with XXXX and got sick of the XXXX XXXX. I am also in XXXX  and trsimed in that XXXX. The people I tried to talk to had such bad english I couldn't understand my customer service and I couldn't get verified through their XXXX verification. I can anywhere else. So basically we have a contract signed under duress and tbey are holding my my money and calling me the abuser for cursing tbeir lying XXXX  XXXX. I know my government workers are too lazy to do anything cause I've dealt with VA thirty years. If you had done your jobs XXXX  XXXX wouldn't be XXXX  me over. Thanks for that too. From a XXXX XXXX XXXX  homeless vet that has tried to fight his way out for years and got XXXX by every company amd agency knowm to man
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (MO)

Before XXXX XXXX  this morning experian is closing complaints again without addressing any of our problems. NOW GOING ON 2 YEARS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK UNLESS I PAYTHEM, EXTORTION IS ILLEGAL
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (MN)

I notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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. (NY)

On XX/XX/year> the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. Experian and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Clarity, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2024-01-12
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/ my XXXX account was hacked and used. My Apple Card on file was used to make 12 different purchases for multiple bulk orders of XXXX toothpaste. I contacted Apple and Walmart right away and both companies recognized it was fraud. I was told by a XXXX representative to delete my account, so I immediately did. Four out of my 12 disputes were denied and Goldman Sachs keeps saying XXXX has provided evidence that it was not fraud because my card and account were used. Do these big companies not understand how fraud and identity theft work? I have provided a substantial amount of evidence including the IP addresses the purchases were made from ( Provided to me by XXXX XXXX XXXX ) which do not match my own. Ive also shown them the " proof of delivery '' photos sent to my email. The photos were the inside of a vehicle I do not recognize and an elevator I do not recognize both photos sans " package ''. Does this not seem sketchy and obvious signs of a scam? I am still dealing with these fraudulent charges 9 months later. I spoke to an apple card specialist manager today and he tried to tell me that he was going through the same issues with a fraud charge through his apple card. ( He also tried to tell me that it is safest to use a debit card because using a credit card is always a gamble since it is someone else 's money. I've never heard anyone say that using a debit card is safer. ) If an employee can not even feel safe using this card, how are the rest of us supposed to feel? Has anyone ever had a similar situation to this? If so, how did end up being resolved? Any input is very appreciated!
Consumer complaint received 2024-02-05
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. (NY)

identity Theft Complaint to the Consumer Financial Protection Bureau ( CFPB ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
i have been disputing these accounts over 2 years, XXXX. **Account Information : ** - Account Name : XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. I did not open this account and did not give consent for its creation. 

XXXX. **Account Information : ** - Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXXXXXX - Account Number : XXXX  - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2023-06-20
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: Adler Wallach & Associates, Inc. (CA)

Pulled my credit to realize I have a debt collection reported on all three bureaus, from a company AWA Collections on behalf of XXXX XXXX , XXXX. 
I was not aware of any debt owed to either company nor ever been contacted, received any notice, nothing. 
A previous owner of XXXX XXXX XXXX, over 8 years ago. my business has been dissolved and closed since late XXXX, early XXXX. All business dealings were handled and dealt with the XXXX XXXX management. 
Since the closure of my business I have not been contacted by XXXX XXXX or any person from XXXX, AWA. 
My understanding at some point XXXX XXXX was purchased by XXXX XXXX. 
I do not understand what the debt is from and how is it mine? The debt XXXXAWA Collections is seeking in the amount of {$7500.00}. How is it legal to add damaging information to someone's credit with notifying the person, allowing time to resolve matter? Proof the debt is the consumer. I would greatly appreciate your help with this matter, XXXX XXXX
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

1. Discover FIN SVCS XXXX account opens on XX/XX/2021 with the balance of XXXX 2 XXXX XXXX account opens on XX/XX/2021 with the balance of XXXX I have no knowledge about these 2 accounts. 
I do not have the full statement of these accounts. These are all information I have from XXXX  credit report
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

In the month of XX/XX/XXXX, I contacted the Loan department to request for an extension on my XX/XX/XXXX car payment. I requested the extension due to financial hardship and unable to make payment. I was informed at the time of request that I would be granted the deferment of payment and that I must make two payments in order to have payment extension request approved. I was informed to contact in XX/XX/XXXX, to make sure request was approved. On XX/XX/XXXX, I received notice that my auto loan was reporting on my credit report as late payment due to not making my XXXX on time. During the call of request, I was never given any insight of the consequences for a deferment of payment or requesting. I reached out to complain to SECU in which they stated the information was reported correctly and they will make sure to have agents report that information to their account holders. I asked to speak with Manager over the loan department in which XXXX XXXX tried her best to get the Vice president of the bank to reconcile and remove the negative derogatory mark on my credit. He denied and wasn't interested in the fact I was a great client. I also reached out to the Vice president of SECU myself and was told it was nothing he could do about removing the late payment from my account. I think as a consumer of this bank, I should have been informed that if I was to request an extension that my credit score would be affected and allowed me to determine if I wanted to subject my credit to display derogatory remarks. I do believe I was denied due to racial discrimination as it was the fault of the agent who only provided the Pros of the extension and not the Cons of the request for extension. Instead of treating a committed consumer who never is late with payments, I should have been given notice of what affects this could do to my credit score. I have now been denied due to false information being reported from the SECU. I have asked for a one time courtesy to remove the late payment due to the error on the bank behalf as I should have been informed. My car payments are deducted by auto pay and the bank had to process a stop payment to not draft the payment from my account. If I was informed of the negative affect, I would have not asked SECU to stop payment from my automatic payment. I have been denied and unable to purchase or look at homes due to this false report on my credit report. I do feel, I may need to pursue some type of civil case against SECU as I feel I wasn't informed of the credit affect due to my race. The representative knew that my credit score would be affected she just felt the need to not provide that insight to me.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/XXXX a text was received that a XXXX XXXX XXXX  shipped and should arrive by XX/XX/XXXX. 
XX/XX/XXXX I received a text to activate the credit card. 

I never applied for this card so on XX/XX/XXXX I called Capital One to report this as fraud.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Good afternoon. 
Long time Amex customer. 
Amex sent me a nice promotional bonus if I open a XXXX XXXX XXXX card. 
They checked my credit ( I have good credit ) But inquiry reduced score. 
Qualified. 
Made over {$2000.00} of purchases to qualify for promotion. 
Was promised several times by phone that bonus would be credited. 
Unfortunately never received.
Consumer complaint received 2024-01-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

On the XX/XX/2023 I may a XXXX dollar payment to XXXX  XXXX  but they said they never received it so I call PayPal and they first told me that it was sent they even sent me a letter to give to XXXX XXXX staying it was paid and they did receive it now PayPal is telling me that the same day I pay for my cellphone bill that they refunded it back into my account right after I pay my bill but there is no proof that the money was put into my account I do have the letter they gave me my phone is off I'm paying for bridge pay that only give you 7 days due to this issue I'm having PayPal now keeps telling me that it they now refunded the XXXX the same day I paid for my cellphone bill it not adding up they sent me a email letter saying that the money was given to XXXX XXXX on XXXX XXXX  this has cause me much stress I live in the middle of nowhere and phone service is very important here can you please help me resolve this matter I have the letter email if you need it I need my phone on but PayPal keeps giving me different stories I don't know who lying PayPal or XXXX XXXX I never requested PayPal to take the payment and refund it I have been paying my bill with XXXX XXXX like this for years now XXXX XXXX still have my XXXX that I gave on XX/XX/XXXX my remaining balance was XXXX the full amount XXXX
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: General Motors Financial Company, Inc. (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Account number XXXX
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: FC HoldCo LLC (NJ)

AS PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION. I, THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL ACCORDING TO 15USC 6802
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello. 

Last year. I was having issues by paying my car. 
I negotiated with XXXX XXXX financial the possibility to extend my due date and that cost me XXXX dollars the month extension. 

Then I see on my report a late payment on Transunion that is affecting my XXXX XXXX 15 USC 1666B ( a ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. '' I contacted them already and they dont want to help me to delete the late payment I want to use this consumer option to delete that from my credit report. 
Thank you
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: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-08-29
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Consumer complaint received 2024-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (WI)

Hello, I sent a payment for my XXXX mortgage on XX/XX/XXXX. I have two bank accounts linked to the account. I chose my business account. It took them 10 business days to try to draw the money at which point the account had insufficient funds. They then notified me on the XXXX that payment didnt go through. Then I switched to pay from my personal bank because I have no idea when they will draw from the account. Unfortunately, they claim I selected the same business account. On XX/XX/XXXX they reversed the payment for insufficient funds, claiming the payment request came from the business account. The software doesnt let you know which account you paid from or send you verification. I rectified the problem immediately by deleting the other account from my payment options and only putting my personal account, and then sending the payment through. 
Freedom mortgage takes 10 days to update the payment status of the account and takes a very long time to draw the money, and their inability to notify me in a timely fashion lead to the late payment. I had never missed a payment in the years that Ive been with them.