davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-07
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. (IL)

I have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On  XXXX   XXXX ,   XXXX   I sent a certified letter to Equifax regarding unverified negative items being reported on my credit report. I specified that I was requesting Equifax to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Equifax 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Equifax regarding these negative items and have yet to get this resolved. Equifax has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised me that the infor mation is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke wi th a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Equifax uses a " form '' that they send to the courthouse. I asked what type of " form '' and  where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Equifax refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2021-01-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I sent an email to Cash Central customer service on yesterday asking about the 2 payments I made, one on XX/XX/XXXX & the other on XX/XX/XXXX. I was inquiring why I was charged & paid 2 different finance fees on the same loan in less than 3 days apart. On XX/XX/XXXX, I paid {$190.00} which was the finance fee owed for the loan approved on XX/XX/XXXX. On the XXXX, I tried to pay more on top of the fees, but the system would not allow me to schedule any more payments on the XXXX. It accepted the XXXX & I paid {$400.00} more dollars. I checked my account expecting my remaining balance to be somewhere around {$390.00} or less. What it shows is I owe {$490.00}. This shows that only {$190.00} of it went towards the principal balance and {$200.00} went towards the finance fee based upon {$700.00} principal for the next 30 days. The {$400.00} should have ALL gone towards the principal balance because I just paid a finance fee on the XXXX. The {$700.00} should have been reduced to {$300.00} & at the CAB fee of {$28.00} for every {$100.00} plus 10 %, the remaining balance should be around {$390.00}. The same day I sent the email, I received a response to contact their office. I called today a little after XXXX & was put on hold for over 17 minutes as the CSR stated she was looking up my account. I heard the phone switch off of hold & it hung up. I waited for over 5 minutes & received no call back. I called back again & received a different CSR. We go back & forth about these payments while I am explaining to her my issue & asking about how the payments have been processed. She then tells me that she only sees the payment I made on the XXXX & does not see one made on the XXXX. I told her that I was looking at my account online & it states last payment {$400.00} on XX/XX/2021, plus it has been debited from my checking account. She still claims she does not see the payment on the XXXX. Then, she asks me to send a copy of my bank statement for the last 30 days & if payment is shown, I would get a refund. I do not want a refund. Again, the phone hangs up & I receive no call back. This company charged me twice, and I do not believe that is legal. And when I called to correct the matter, I was placed on hold for over 17 minutes & hung up on & then routed to a different CSR who also hung up on me when I refused to accept her response. I am either owed that {$200.00} back or it can be credited to the principal balance. This company is trying to get even more money out of me by having me pay the remaining balance they have listed.
Consumer complaint received 2021-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XXXX XXXX 2020, I went to XXXX to receive a {$200.00} dollar XXXX XXXX from my Aunt, I then wanted to deposit the {$200.00} into my Chime account. The cashier should have only deposited {$200.00} into my account. Instead she first charged me {$200.00} for no reason, then she proceeded to deposit the {$200.00}. There should only be one transaction on my account from XXXX at that time and its for a deposit of {$200.00} ONLY! I have filed complaints with the police department, XXXX and my bank. I have not received reimbursement from XXXX nor my bank which is why I am filing this complaint with the CFPB.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent  three written request to Transunion requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did  not verify.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have tried multiple times to remove the Fraud Alerts and Extended Fraud Alerts that appear to be on my credit report. I assume they are on there because after trying to receive my free annual credit report, I get errors.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NC)

My name is 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 2023-06-26
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: Experian Information Solutions Inc. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXXXXXX XXXX XXXX Balance Owed XXXX {$1100.00} ; XXXX ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Amount owed {$1100.00}
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (IL)

I am writing in response to the account appearing on my credit report. According to that record, I have an account with them that is erroneous. By Section 1681 ( g ) they must grant me a brief description of the method that seemed to validate that the account listed below is " correct ''. 
XXXX XXXX XXXX XXXX Account Balance : {$31000.00}
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX the Florida XXXX issued me my backpay of {$3500.00} and it went to direct deposit to my PayPal account which they use XXXX XXXX at superstore you account and I have no problems ever getting direct deposit with them The account number and the routing number is correct everything is correct its just the money is not even showing up at all apparently to PayPal and they are not doing anything about it they said they cant do anything about it my money is just missing and now it is XX/XX/XXXX and still nothing have you looked it up online PayPal is notorious for missing peoples payments
Consumer complaint received 2021-01-08
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Explain to Experian target charge off was fraudulent that it was out back on credit report after data breach in 2013. 
Target is unable to verified me as they have someone else 's addres, phone. 
I have a fraud alert on experian to confirm inquiries with me have XXXX new fraudulent inquiries by online companies. Have disputed to not help
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (NY)

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  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXXXXXX  account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX  XXXX account 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 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 2017-03-30
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (WA)

I had sent a Western Union transfer in the amount of XXXX USD to my own bank account in XXXX. I was promised a rate of XXXX per USD, but only received XXXX. When I log into my Western Union account I still see the XXXX rate for that transfer, but for some unknown reason it shows " Total to receiver XXXX. '' As per that promised rate, it should be XXXX. I contacted Western Union support about this issue and got a response that the transaction had already been delivered to the bank account and thus it ca n't be changed.
Consumer complaint received 2023-05-26
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. (LA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX ( 2020 ), I opened a Chase Freedom Unlimited credit card. I was receiving bills in the mail paying my card in full. On XX/XX/XXXX my bill was {$2700.00}, so I send in a payment for {$3000.00} leaving a credit of {$230.00} on the account. After this date, I never received another bill from Chase so I assumed the account was paid in full. 

From XX/XX/XXXX2020 until XX/XX/XXXX2020 I never received a bill or notification from Chase to alert me that there was a balance due. They charged me late fees every month : {$28.00} ( XX/XX/XXXX20 ) and {$39.00} XXXX XXXX/XXXX/20, XXXX/XXXX/20, XXXX/XXXX/20, XX/XX/XXXX20 ). At the end of XXXX the bank finally reached out to me by phone so I went to my local branch to see what was happening. 

I was told that they were sending notices to the e-mail they had on file, but I had not used that e-mail since XXXX. They claim that I changed to paperless billing in XXXX, but I never did that. I also never received anything in the mail confirming that I changed to paperless billing. At the end of XXXX they cancelled the credit card, and took away my rewards balance which now totaled {$290.00}. The bank claimed that their internal collections department sent me letters on XXXX, XXXX, and XXXX which I also never received. 

Not only did I lose {$290.00} in rewards, and was charged late fees, but my credit score also went from XXXX  down to XXXX  because of this error. I am hoping that you can assist me in getting my credit score repaired and get my money back from the bank. 

Thank you, XXXX XXXX
Consumer complaint received 2017-05-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

TO WHOM IT  MAY C ONCERN :  American Express pl ace neg. statement on my  XXXX  credit bureau reports that 's not correct. I have communication on making payment on credit card debt, without notice  American Express c losed account and place debt under paid. Account number #  XXXX .     On second account number #  XXXX ,  American Express closed a ccount that was n't late or behind in payment. Ask well place account as neg., and unpaid on  XXXX  bureau reports.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

I have no knowledge of this account I am not liable for any debt with Midland credit Management inc collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and inaccurate information on my credit report which violates the FCRA
Consumer complaint received 2023-05-12
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. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.