davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (SC)

Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with Equifax, XXXX, and XXXX by the following companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX  XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc. (NJ)

On XX/XX/2024, I used the Solo Funds Inc. platform to obtain a personal loan. However, when I tried to withdraw the funds from my " solo wallet '' into my bank account, I received an error message stating that there was an " internal issue '' and to " try again in a couple of minutes or contact support for assistance ''. After waiting several hours, I contacted Solo Support. On XX/XX/2024, I received an email from a Solo Customer Service Expert. They explained that the platform was experiencing a temporary update and that they anticipated resolving the issue within the next 24-48 hours. 

Unfortunately, the issue has not yet been fixed and the funds remain in my solo wallet with no way for me to transfer them to my bank account. If I am late with a payment, I will be charged fees. 

To obtain a personal loan on the Solo platform, both the borrower and lender must enter into a loan agreement and Promissory Note. However, the platform issues are impeding the execution of that agreement. Solo has not been transparent with their users, and even after 7 days, thousands of users continue to be impacted while Solo remains silent.
Consumer complaint received 2023-09-27
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. (PA)

There are XXXX inquiries on my Transunion credit report that did not originate from me. 

XXXX is XXXX XXXX, on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. Phone XXXX. XXXX type - individual, permissable purpose = written authorization. The phone number did not work when I tried to call. I did not request whatever this is. 

Second is XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX, XXXX, DE XXXX. Phone : XXXX. XXXX type : individual. I did not request any new credit of any kind from XXXX XXXX or XXXX Bank.
Consumer complaint received 2024-11-14
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2022-10-26
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. (FL)

In accordance with the fair credit reporting act.The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Consumer complaint received 2023-09-04
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. (SC)

Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with XXXX, TransUnion, and XXXX by the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act.The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2023-11-09
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. (LA)

I called this company about fraudulent items on my credit file. I spoke with the Office of Consumer Affairs and they told me to mail a completed valid FTC and a copy of my identification and social security card along with a cover letter telling them my request. I did that and verified my documents were valid and they did not block these accounts within 4 business days per the FCRA laws. They opened up a dispute for me which did not handle my issues these are identity theft accounts. This isnt the first time this company has done this I have heard other people say the same thing so maybe a class action lawsuit needs to be brought upon them especially since so many people was impacted by their breach. I also have attached a copy to this complaint
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was contacted by a third party company that stated that another company only giving the name of XXXX needed documents from me. Their phone # came up as XXXX a indaina phone number. My daughter receives XXXX XXXX so my assumption was that it was something for her XXXX because we have to send updated documents all the time i did ask what it was in regards to but he just told me it was for documents they needed and gave me phone number to call and a file number i thought it was unusual but called agian because i thought it was for her medical needs. so i called the number it was XXXX XXXX company phone # XXXX I gave them the file # XXXX and he stated it was a collection account from 2008 ( 15 years ago ) I stated that it was past the collectable time frame for Indiana. he proceeded to say that he was going to pursue court action against me and put leans against my property to include my home and vehicles and he had pulled a copy of my credit report to see what debt and assets i currently had. he also stated he would garnish my wages when i told him i was XXXX that did not dissuade him. I feel like this company not only got me to call them under false pretenses but also broke the law under the cfp act
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (RI)

Barclay has lowered my credit limit twice in the past six months or so. The first time, they lowered it dramatically. The second time, they lowered it by {$1000.00}, just a few days ago. When they do this, they send a letter in the mail -- so I find out when I receive a credit score alert. 
I pay on time, generally more than the minimum. There have been no late payments that I know of. We recently went through some transition and are recovering from financial setbacks, as many people are. However, we are fortunate to be in a position to pay the account in full within the next two months and terminate my relationship with this company.
Consumer complaint received 2023-11-09
Product: Credit 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: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2023 charge to my AmEx credit card for {$30.00} labeled as XXXX XXXX XXXX XXXX XXXX XXXX '' with a same day reverse of the charge for the exact amount labeled as " XXXX XXXX XXXX XXXX ''. The description is nonsensical and most any layperson not in the finance industry would not have a clue what that is. I requested an explanation but really didn't get one other than it was an internal error and they corrected it. That's fine, but why was I not proactively informed? What is the root cause of this error? What my credit card info compromised in any way due to AmEx 's error? What is being done to fix it? Was it a human error? Was it a tech error? Again, what is the root cause and why was my credit card affected, and why was I not notified? AmEx had no explanation for this- just repeating back " they fixed it ''. Was this mysterious charge for {$30.00} from another person 's credit card charge? How and why did this {$30.00} come about?
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MD)

I had filed a complaint against Lexis Nexis for taking to respond to my requests for a complete personal history credit report I spoke to XXXX XXXX XXXX On XX/XX/XXXX to mail me hard copies of the full report AND the complete address history report. I only received the report but HAVE NOT RECEIVED the complete address history I placed two other calls at her number above on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also called today XX/XX/XXXX.
Consumer complaint received 2023-09-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

It is for the deposit of a check on XX/XX/XXXX for the amount of {$630.00}, check number XXXX. The funds are frozen and they do not respond to me for them. The bank is chase. My account number is XXXX name of XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My account was closed on XXXX since then i am trying solution withoud having an answer
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

Amex cancelled my credit card after 3 years of being with them with no prior notice. And the only option they keep advising is to apply for another card. A credit manager named XXXX advised that they can not reinstate the card because it is not an option and AMEX is not reinstating cards at this time. They stated that it was due to a return payment back on XX/XX/. But the card was not cancelled until XX/XX/ more than enough time to advise of this action. Amex also prematurely withdraws funds from banking accounts they state that it will take 1-2 business days for the ACH but present the payment to financial institutions within hours and then charge return payment fees on the accounts.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

I did not know I had a collection from Allied Collection Service until I received a notification of a negative item. I contacted the original debt owner XXXX XXXX and the balance was lowered to $ XXXX after I returned the rental equipment. Today I called Allied Collection and was informed my balance is $ XXXX due to interest charges. I said okay and would like to pay it in full but would also like a pay to delete letter. The man I spoke with informed me of my options to obtain this pay to delete letter - pay over the phone and wait XXXX days for the letter to be mailed or come to the office to pay in cash and receive the letter right away. I told him I would pay in cash at the office to get the letter today and I will be there within the hour. However, when I showed up the lady at the desk said that they dont do pay to delete letters just paid in full and the man I spoke with would be reported to the supervisor. I told her that he made a verbal agreement over the phone and I want to speak to someone but she said there is no one that I can speak with. This is the problem with these collection agencies where they make false statements over the phone just to collect on a debt that they do not own.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

I got the message that my bank account was closed by Chase in XXXX 2023. I called Chase from that day until now, the only thing they say is the money was been security checking by other department and I can not know exact reason. I requested for reopen my account, or just send my fund about {$2300.00}, then they just said call me for 10 days. Now, I wait for half year for my money, I don't want to wait anymore.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (NC)

It has come to my attention, that XXXX XXXX XXXX has transfer an account to Credit Control LLC. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. Credit Control LLC is refusing to discuss my concern about their acct # XXXX, balance {$170.00}. Without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Ive been a victim of identity theft and several accounts have been open by someone who stolen my identity, the account are XXXX in the amount of {$750.00} opened XX/XX/18 and XXXX {$3000.00} opened in XX/XX/18 I reported the accounts to the FTC
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

This account is a result of ID Theft and has been expunged by XXXX XXXX as a result this need to be remove from my credit immediately : Liens And JudgmentsProcessed Date XXXXXX/XX/XXXXDate Filed XX/XX/XXXX-XXXXXXXXAmount XXXXDate Of Alert XX/XX/XXXX-XXXXXXXXCourt Name XXXX XXXX XXXXAddress XXXX, XXXXPhone Number ( XXXX ) XXXX
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WI)

This credit card account was paid in full in XX/XX/XXXX in the amount of {$410.00}. On XX/XX/XXXX I unexpectedly had too file a Chapter XXXX Bankruptcy petition and this account had to be included according to my attorney. We later realized that payment has never processed to Wells Fargo for my credit card so the balance was included in my debt consolidation for the next 3-5 years. On XX/XX/XXXX In received notification that Wells Fargo has reported the status of this account as a " charge off/ bad debt '' which resulted in a major decrease in my credit score. According to my Semi-Annual Report from the Chapter XXXX Trustee, the current balance now owed to Wells Fargo is {$22.00}. The amount reported is incorrect and the status and description of the account are completely INACCURATE.I am requesting that this account is deleted or updated.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

Goldman Sachs Marcus froze my savings account and blocks any transfers from my account to my already-linked years-old externally-linked bank accounts. They say they couldn't verify my phone number which I used to call them - exactly the same phone number I have on file. 

They sent me a physical Affidavit of Identity to verify my identity - that took them over 2 weeks to send I filled out the Affidavit and returned it. Marcus has told me that they received it, but it has been almost 4 weeks since then, and they still refuse to approve my withdrawal because they are taking their time to process the Affidavit ( literally 1 piece of paper ) Today I finally called to insist force-closing my account, which I have requested in the past. Force-closing is a common solution that many people reported feasible on the internet. However, Marcus did not allow that to happen for the past 2 month untill today.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.