davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

The credit reporting time limit can not be restarted. If a creditor or debt collector re-ages an account to extend the amount of time it's reported, they're breaking the law. ( The item needs to be removed from credit file. The law has been broken no proof when I asked for it but yet still continue to ask for mines. Im seeking XXXX in compensation due to this matter and will contact Texas attorney general about XXXX XXXX which goes by the name of XXXX XXXX. XXXX thats outrageous.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Money Transfer Acquisition, Inc. (CA)

ID FOR COMPLAINT # XXXX Hours after I filed the complaint with the CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX eligible money, so that the person in my country could withdraw it, without giving a reason, or any investigation case number, not giving any explanation of the right or law, they withheld the money, I withdraw the complaint since everything was resolved resolved today XX/XX/2023. 
if it is convenient to transfer these suspicions case to any investigation department that is interested in this case, to protect the consumer and avoid fraud or use of personal data in illegal illicit things. I agree, especially the payer in XXXX thanks.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (PA)

1. I received a written letter in the mail on XX/XX/23 confirming that I opened a paypal credit account. I noticed the email address in this letter was NOT mine and know that I DID NOT apply for this account. 

2. The account was opened on XX/XX/XXXX  and the same day a charge was made against the account for {$3200.00}. I did not authorize these charges. 

3. On XX/XX/XXXX  I called Synchrony Bank ( the issuing bank for PayPal Credit ) to report that this fraudulent account was opened. The agent I spoke to ( XXXX with ID # XXXX ) stated that she closed the account, updated the credit bureau 's and that I should also call the credit bureau 's myself. She also stated that I should receive confirmation about the dispute within 60 days of XX/XX/. 

4. I called XXXX, XXXX, and XXXX on XX/XX/XXXX  to place a 1 year fraud alert on my account.
Consumer complaint received 2024-03-21
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. (FL)

XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.
( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 


Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (TX)

I applied for a personal loan in XXXX of 2022 and was approved. I got an email saying funds were deposited but I never received anything. I reported it to them several times. They asked for my bank statements to prove I never received them and I sent them. Since then, this has been reported to my credit fraudulently because I never received any funds. I am also getting reminders for payments. I have tried reaching out several times and asked to a supervisor and conveniently, they are never available. I have also filed a complaint with the XXXX. I just want this to be taken care of and taken out of my name. They lied about funds being distributed and are fraudulently reporting information to the credit agencies on a loan I have never received.
Consumer complaint received 2024-01-24
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. (NY)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023, XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-22
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I experienced a hardship during Covid/laid off and called XXXX XXXX to create an accommodation. As agreed, the account was paid, and the credit card company ensured there would be no late payments updated on my account as long as I adhered to the accommodation agreement. The account was paid as agreed on XX/XX/2023. I recently pulled a copy of my credit profile and realized there has been a series of late payments updated on my credit profile. I have contacted the CRA ( XXXX, Equifax, and XXXX ) requesting the information be updated as I have included all documentation. There has been no response or any due diligence to investigating this information on my behalf. These late payments are in violation of 15 USC 1666B with a billing error. Furnishing this information to my account is also in violation of 15 USC 1681. There should be no late payments listed on my account, this is not affecting my ability to obtain credit for my new home.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2024-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

To dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc. (CA)

i received a XXXX XXXX loan to replace my windows. It was a {$6400.00} loan, to be paid back over time, through my property taxes. 5 years later, i went to pay the loan off and they charged me from a demand statement, and when i received it, it was for significantly more than the original loan amount and, they charged a 5 % prepayment penalty and a redemption fee. They never explained why the balance went up even though it was being repaid on time for 5 years.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (GA)

In XXXX after much assurance from XXXX XXXX, CEO of Binance US, I sent $ XXXX. When it was time to with draw, ( XXXX weeks later ), XXXX  requested $ XXXX. I reluctantly sent it and he assured me that the funds would be sent to mXXXX XXXX XXXX account. The funds never did appear in my account. I sent several follow up messages to XXXX who finally responded that I needed to send $ XXXX, I told him I don't have that and can not send it. He still has my money. I have a transcript of all out communications. I can send copies of emails as well.
Consumer complaint received 2023-07-30
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. (PA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX
Consumer complaint received 2023-12-26
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. (VA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2022-09-09
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. (MI)

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION, 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 2023-06-15
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. (GA)

I would like to have my items deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as identity fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-03-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX  XXXX XXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX  : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX  XXXX, Account # 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc. (MT)

XXXX XXXX XXXX  XXXX XXXX, MT gave my information to a third party collector without my express permission on a credit card. 

CB1, Inc., dba CBB Collections of Montana contacted me in XXXX of 2019 at my work place, The XXXX XXXX in XXXX MT. They did not properly identify themselves to my boss at the time. He mistakenly gave out my personal information to this collection company without my permission. Once my information was given out, the collection company proceeded to call, until they reached me through my workplace. They identified themselves as a company, not a collection agency, to get my identity through the phone. Once I identified myself, they identified they were a collection agency. I advised them to stop calling me at work. They did not validate any information over the phone as Section 809 of the Fair Debt Collection Practices Act, subsection A states. They did not validate the debt in writing within 30 days after initial contact as stated in Section 809 of the Fair Debt Collection Practices Act subsection A. CB1, Inc., dba CBB Collections sent notice through civil action, Civil Case # CV-2019-1304, State of Montana XXXX XXXX of XXXX XXXX which violated my right to validate and dispute this debt of XXXX as stated in Section 809 of the Fair Debt Collection Practices Act subsection A B & D. 

CB1, Inc., dba CBB Collections of Montana gave my information to another third party to harass and collect this debt. XXXX XXXX XXXX XXXX, MT. Who collected this debt on me through the pandemic. They harassed and abused anyone to get my information.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (SC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-03-22
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. (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 15 USC 1681. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (TX)

Hi, This is my 3rd time requesting this information. Your customer service representatives keep giving me the run around. 

May I please have the agreement that was set in place for the security interest on my XXXX  XXXX XXXX? 

DO NOT send that retail installment agreement. That is not what I am asking for. If you are still confused what I am asking for you may have it labeled as the " Purchase agreement '' or " bill of sale '' I do not want it sent by mail because you are not going to send it out. Either email it or reply back to this complaint with it. 

My email address is XXXX Thank you
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I submitted an application to Mohela for loan forgiveness through the XXXX program on XX/XX/XXXX. Mohela stated that they submitted the forgiveness application to the Department of Education, specifically to XXXX. Mohela would not provide the date that they submitted the package to XXXX and the Mohela representative told me to contact XXXX directly for that information. I contacted XXXX on XX/XX/XXXX and the XXXX representative informed me that the last XXXX form they had any record of for me was from XX/XX/XXXX and that Mohela had not submitted the XXXX form to them for the XX/XX/XXXX application for forgiveness that I had submitted. 


XXXX website indicates that they will process XXXX applications within 30 days, they took almost 60 days to process my application internally, and now after almost 4 months XXXX has no record of Mohela submitting this application to them. Mohela must submit this application to XXXX for forgiveness ASAP.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a email from a hacker saying that they were XXXX. I called the number and long story short they under false pretenses took money through XXXX from my account. I disputed the transactions with Bank of America and they denied the dispute. Provided the denial as I need to contact the person that the money was sent to. Unfortunately the bank that the money was sent to has no way of disputing the transactions! Ive lost {$1600.00} and seen no support from the financial institutions which prompted XXXX! It is apparently not FDIC insured however all of the banks did not until recently many fraudulent transactions have occurred made this aware to the consumers. I have a bad taste for Bank of America due to this.