davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services (TX)

I got a loan with Lendmark Financial. They offered an unsecured loan ( for a lower amount ) and a secured loan ( for a higher amount ). I told them I have no interest in a secured loan, i dont do secured loans, and I was very adamant that I do not want a secured loan. On the day they asked me to come in to sign documents, there was a page that asked for personal property. I asked why its asking for personal property if it isnt a secured loan and they said they just need it listed to show that i own valuable property, but that it is not secured. I found out that it is being reported as a secured loan on my credit report so I called the local branch today and the woman who answered reiterated what I was originally told ; they said they dont technically do " unsecured loans '' and that they just " list assets so they can check that you have a history of things with value, but that its not a " secured loan ''. However, there is an option on the truth in lending statement with a check mark for an " unsecured '' loan option. So im confused as to why they say they dont offer " unsecured '' when it is listed on their own document as an option. She assured me it wasnt a secured loan and nothing will actually be taken, but their paperwork is throwing me off.
Consumer complaint received 2022-11-22
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I called XXXX XXXX and cancelled my contract due to the XXXX XXXX XXXX never coming out to start the job. XXXX ( The company ) and XXXX XXXX oXXXX XXXX XXXX XXXX ( The XXXX ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 XXXX has since reported the account to the credit bureaus ( XXXX, Equifax, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and XXXX # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the XXXX XXXX as well as the lender XXXX and XXXX assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at XXXX at XXXX EXT # XXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I received my discharge for my bankruptcy on XX/XX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 XXXX XXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX ( XXXX XXXX ) : XXXX 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 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX  reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for XXXX.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-17
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. (NC)

I called all 3 credit bureaus. No one one would help me with my issue removing these items all of the items list are fraudulent and should 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
Consumer complaint received 2024-05-08
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 have fraudulent accounts reporting on my credit reports and have disputed them numerus times. I recently filed a police report regarding these fraud accounts and have confirmed they were received by all three credit agencies. Even with the Police Report I am begin told that they can not and will not be removed! An investigation has to take place and the creditors are the only ones who can remove and or block the accounts in question. This is not RIGHT!!!! I have XXXX  % proof of these fraud accounts not begin mine! 
All three Credit agencies have overwhelming proof of these ID THEFT/FRAUD ACCOUNTS. Creditors keep saying these accounts are mine but will not provide any proof or documents to substantiate these claims. The following accounts are fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

I purchased  XXXX   US Ban k issued mastercard {$200.00} prepaid cards at  XXXX    XXXX   XXXX   on   X/XX/17    . When I went to use the cards,  XXXX  of the  XXXX  cards had the funds drained off them by a person in California ( I live in Ohi o ). It is  clear to see the numbers for  XXXX  of the  XXXX  cards only vary by a digit o r two  at end of the card number. It is clear that someone ran a sequence and drained all   XXXX   cards. I have contacte d US Bank Mastercard line several times and faxed them the required documentation 3 times now and they are not helping or claiming they didnt get all the pages of the faxes I am sending. They never call back. Their lacked security ( issuing cards to one a rea in such close numerical sequence is the cause of my funds being stolen and they are not helping make it right.
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Received a Venmo credit card through synchrony bank .card was never used by me, but three large charges were placed on the card when I called to check the balance.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

I have used XXXX XXXX XXXX XXXX, XXXX XXXX to transport a XXXX XXXX from XXXX to the XXXX for me on XX/XX/year> through the XXXX XXXX. The agent I was working with gave me a quote of XXXX when I made contact with her, when this agent then recieved my goods this agent increases price by {$1000.00} making price about {$3300.00}. Because they failed to disclose hidden fees and the agent has stated that she needed to " meet '' her quota for sales because she was far behind. This deceiving technique this agent performed left me stuck without a solution because they agent told me increased price 2 days before shipment was to leave. I have been begging and pleading with this agent to release my goods that I have paid for and that I needed to perform the payment through the XXXXXXXX XXXX XXXXXXXX insure my money was safe, this agent began to export and threaten that they would not load my goods and they will add additional fees if I didn't pay their person buisness account, not go through XXXX. I had no choice but to do this or I would have been stuck in a situation I could not afford as a new small buisness owner. This merchant has a XXXX operating bank and my goal with this complaint if to make sure that this bank account gets flagged for scams and fraud.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. 
States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-17
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: ALLY FINANCIAL INC. (AL)

This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act. The list f accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15USC1681 XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX - {$980.00} XXXX XXXX - XXXX - {$2600.00} XXXX  - Account # XXXX {$72000.00} XXXX XXXXXXXX XXXX  Account XXXX XXXX - {$300.00} 15 U.S.C 1681 section 602A. 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.

15U.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 2022-11-17
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2024-06-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Larry H. Miller Group of Companies (AL)

The company calls me excessively. They are also not reporting the correct balance owed. 
I've made payments since XX/XX/year> but only shows the last year 's payments. In a year and a half of paying only reflects {$920.00} ish paid to balance.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I am writing to express my deep disappointment upon discovering a XXXX  entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX accurate it lists the XXXX  court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2022-11-17
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

Got a letter out of the blue about an outstanding debt. We have paid any and all debts we have been made aware of so it was shocking to get a letter from a debt collection agency ( and one that has numerous reports of fraud and has already been reported numerous times for fraud ). It feels like we are being taken advantage of and that they are trying to collect on a debt we do not owe. Unless they can provide detailed proof of an unpaid debt from an original service provider we know about, we will not send money to an unknown actor that has been reported as a scam. We are mostly concerned that they will try to put it on a credit report as others have reported them doing this. This is why I'm reporting to CFPB.
Consumer complaint received 2024-07-19
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: Experian Information Solutions Inc. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MN)

Timeline  of Events : - On XX/XX/2022, I attempted to log into my Chime account but discovered that it had been closed without any prior notice. Upon inquiring with Chime 's customer support, I was informed that my account was closed due to inactivity. They subsequently reopened my account ; however, to my dismay, all of my funds had disappeared. 

- On XX/XX/2022, the entire balance in my Chime account, which amounted to {$1500.00}, was removed, and my account was closed. 

- On XX/XX/2022, I received an email from Chime, encouraging me to " Open the app and make a buck. '' Intrigued by this offer, I followed the instructions and earned {$1.00}. This shows that there was recent activity in my account, and it is unreasonable for Chime to claim inactivity as the reason for the closure. 

- In the months leading up to the account closure, there were numerous deposits made into my Chime account, indicating regular activity and usage. 

Attempts to Retrieve Missing Funds : I have diligently searched for my missing funds on reputable unclaimed property websites such as XXXX XXXX XXXXXXXX, MN Unclaimed Property ( findyourunclaimedproperty.com ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for potential unclaimed property in California. Unfortunately, my efforts have yielded no results, and the funds remain unaccounted for. 

Challenges with Chime Customer Support : My attempts to resolve this issue directly with Chime 's customer support have been incredibly frustrating. Each interaction with their support team has been isolated, with no access to the previous chat history. Consequently, I have been provided with generic responses and have not been able to follow up on any of their answers or receive any substantial assistance.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

US BKRPTCY : Reference number XXXX Original filing date XXXX XXXX XXXX  Please provide proof this account belongs to me. Reporting this false information violates my rights. Please provide where you are verifying this false information as it has been removed from several third party reporting agencies due to be inaccurate. Please provide your source of verifying. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( 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.