davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
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: ALLY FINANCIAL INC. (TX)

Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-04-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I received a {$50.00} prepaid AMEX gift card as a graduation present in XXXX of XXXX Card says expiration date of XX/XX/year>, Ive tried to use it multiple times, all with purchases UNDER {$50.00} and doesnt work. Followed advice found online to try to add to my XXXX wallet and still doesnt work. What is the point of a prepaid card if you cant use it for anything!
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I just woke up earlier having an email from paypal saying that i can no longer use my account without any sign just like that How can they ban active account without any reason or being warned. 

Ref ID- XXXX
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

Statement is Stating on XX/XX/XXXX was my beginning balance after cashing my IRS check. They charged 4percent of I believe {$4000.00}. The lady quoted me a lower amount but failed to do so saying that it was her computer and could not correct it. 
The Ace check cashing place did not have enough cash on hand to complete the full amount. Putting {$2200.00} on one of their prepaid XXXX account XXXXXXXX XXXX cards which opened some account. They charged me fees per month just having the card in addition to application fees, and Foreign transaction surcharges. Also, municipal online payments for unknown payments/bills. I can give more details of the exact dates, amounts, and times of these things listed above. Thank you for all your help in what you and the staff do for us consumers.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Beginning balances changed every time there is a direct deposit ; incorrect available balances reported to me with no explanation or acknowledgement of money unaccounted for. Available balances not matching up with documented spending from day to day ( due to changing beginning balances. ) being gaslit and told that I need to check account activity against the text communication after repeatedly confirming that I am doing both.
Consumer complaint received 2023-02-08
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I contacted the credit bureaus in XXXX pertaining to inaccurate information reporting on my credit. It has been more than 5 weeks and I have not received a response and the FCRA says they are required to respond in 30 days.
Consumer complaint received 2023-01-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted the credit bureaus in XXXX pertaining to inaccurate information reporting on my credit. It has been more than 5 weeks and I have not received a response and the FCRA says they are required to respond in 30 days.
Consumer complaint received 2023-06-23
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)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXXXXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act convergent account Thank You, XXXX XXXX
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Advantage LNS Inc. (TX)

I called XXXX and asked them for a copy of a lease agreement and an invoice or documentation stating what they said I " owed '' them. I found out on my credit report that I supposedly owed this apartment complex $ XXXX.The lady told me that they have been under new management since 2015 and she passed me over to another lady that explained to me that they do n't have me in their ledgers due to it being 7yrs ago and they would n't be able to give me any information about my lease agreement or charges and that I need to deal with the collection agency directly since they have the " debt '' and not the apartment complex.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-08-17
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update this immediately in my report : DEPTEDXXXX XXXX.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I have applied for PSLF over a year ago. I have submitted an application at least three times. I am unable to get clarification why all my employment verification is not correct based on the time frame for 120 payments/10 years working in public service. The information on the website for my account never updates except for requests for payment.

I work at least 10 years under a qualifying PSLF company. My current concern is that all of my loans that are listed as qualified ; continue to report a need for employment verification which I have submitted a manual signed and electronic signed form.

Trying to get a clear answer or understanding on the process has been unsuccessful.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account Number : XXXX
Consumer complaint received 2023-01-01
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. (IN)

Accounts have violated my Rights. 15 U.S.C 1681 Sec-602A State I have the right to Privacy. 15 U.S.C 1681 Sec- 604 A Sec 2 also states a consumer reporting Agency can not furnish a account without my written instructions. 15 U.S.C 1681C. ( a ) X ( 5 ) Sec states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, CXXXX 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 # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-08-10
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. (MD)

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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (NY)

Good evening, According to 15 U.S. Code 1692c - Communication in connection with debt collection. 

Date : XX/XX/2020 Credit Collection Service/CCS Collections XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount : {$0.00} Acc XXXX XXXXXXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (CA)

I disputed inaccurate information on my credit report on several different occasions and the CRA 's ( XXXX, XXXX and Equifax refused to accurately investigate while sending correspondences back stating everything was accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXXXXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However, XXXX, Equifax and XXXX failed to mark notice of dispute on my credit report.
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Eagle Financial Services, Inc. (TX)

Today XX/XX/2019 i got a call from some eagle financial company saying it was XXXX and that i had XXXX available for a personal loan all i had to do was pay a fee of {$94.00} dollars and after that they would deposit the XXXX dollars on my bank account .. At this point they have my account number and routing number bank name etc they just asked to confirm so i confirm after buying a prepaid card of {$94.00} on a XXXX  card the guy on the line asked for the code on back of the card i gave him the code then he asked for me to send picture of the card purchased and picture of the reciept along with it so i did send via text message the pictures as told after a while he said the money coulndt be deposited to my account because of my credit score he then asked for another card with money so i went bought a new card this time He asked for it to be a XXXX  card of {$100.00} i purchased the card he said i needed 2 more XXXX  cards with a total amount of {$150.00} ( {$100.00} in one card, {$50.00} on the second card ) he said that they was gon na send the money via XXXX  but i had to pay the {$150.00} fee for XXXX dollars and after that he would give me the information so i could claim the money in XXXX  so i did as told he never deposit any money to my account nor XXXX XXXX he hang up after letting him know i didnt have more money i tried calling back never answered it went straight to voicemail .. After a while he called back asking if i had the XXXX dollars to finished the process of the loan i asked for my money back and XXXX said it took 7-15 days at this point i have nothing left the money i used to buy the XXXX  cards was money earned to pay XXXX rent now im left with nothing.
Consumer complaint received 2018-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Company reporting to credit reporting agencies late 30 days XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was told that since incorrect information was given by service representative to have payment automatically deducted from account that since it was no error to myself, no negative reporting would take place. I spoke to two other representatives within month of XX/XX/XXXX and was advised that no negative reporting would take place and a request had already been submitted to CRA to remove negative information. XX/XX/XXXX, I sent check, which was date XX/XX/XXXX XXXX but not cashed by XXXX until XX/XX/XXXX. I have sent a dispute in regards to this and still have had no success with resolving this issue. XXXX also continues to report incorrect balance on my credit reports, which doesnt reflect all payment history. I have made them aware of this, yet they continue to report incorrect information regardless how it negatively impacts my credit report.
Consumer complaint received 2023-05-18
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. (IL)

In accordance with the Fair Credit Reporting act 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I wrote to you the other day saying .. I have wrote multiple letter to capital one about charges and account being fraud..credit card ending in XXXX.. had charges on it after I paid it off on XX/XX/2018.. I do not want the capital one cards to come off my report as it hurts my credit score.. I want new cards sent to me at my address on file and all charges taken off. I wrote letters after letters.. I do not want my credit score hurt or accounts removed.. I want new cards and charges fixed. I will send the charges again to have them removed.. I want my account to to stay on my credit report. For over year, I have been writing letters.. please send me cards and do not remove accounts off my credit report. On XX/XX/XXXX, I requested new cards over the phone as well. Account ending in XXXX is in good standing and does not need to be removed off my credit report. Just need new cards.
Consumer complaint received 2017-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My XX/XX/XXXX BSI Financial Services home equity line of credit statement shows my bank account was automatically deducted an additional charge of {$71.00} on XX/XX/XXXX. This charge is listed under " late charges & fees '' under transaction activity but the additional charge is actually due to an INTEREST calculation error BSI made in XX/XX/XXXX. I was informed the prime interest rate had increased in XX/XX/XXXX but BSI neglected to reflect this increase on my home equity adjustable rate line of credit. <P/>As a licensed loan company, BSI is aware of income tax implications when referencing late fees and interest payments. They are also aware of customer credit ratings when recording customer payments. <P/>I did not make an error on paying my XX/XX/XXXX statement. This oversight is due to BSI Financials mistakes.
Consumer complaint received 2023-08-10
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.