davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 

Equifax reported XXXX of 2023 and XXXX of 2023
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (IL)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2023-05-25
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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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.
Consumer complaint received 2023-01-04
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: U.S. BANCORP (WA)

There are over 31 hard inquiries on my report I do not reconie. XXXX XXXX resent, XXXX XXXX XXXXXXXX XXXX recent for car there is 3, loan inquiries did not do, us bank, XXXX XXXX XXXX debt consolidation. all but 3 are in correct
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Lexisnexis is incorrect reporting one NOT AT FAULT ( Not my fault ) accident occurred on XX/XX/2020 as XXXX AT FAULT accidents causing bodily injuries. 
This has lead to me paying thousands extra in insurance coverage because I most insurance agencies refuses to insure me. 
I contacted them and they explained a convoluted process that could take months to fix. 
This information is FALSE and is not reflected in my driving record nor by my insurance company that Lexisnexis claimed the information came from. 
This should be criminal.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (OH)

I reached out to the credit XXXX and Experian regarding this identity theft Acct being added back to my account. I was told by an manager at Experian that XXXX provided them with evidence that the account is mine. When I asked to be supplied with the same information I was told that the information could not be provided to me and that the account would remain on my credit profile. On Tuesday XX/XX/XXXX I was given a number by the Experian manager to call XXXX at XXXX. I spoke with a manager there who informed me that the account was actually not mine and the information that had not matched. The manager at XXXX stated that this was a business account I am not a business owner. Mailing, Phone or email. I was told that they would reach out to the bureaus to have this information removed from my account. Yet it has been added back again today. I have been a victim of Identity theft back in 2020. I have had an Identity alert on my account for $ years now. And all of sudden an account that is XXXX XXXX XXXX from an business is reflecting on my account
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

I have initiated the opening of 1 personal checking account and 3 business account with Bank United, XXXX branch. I deposited {$50.00} in each account for a total of {$200.00} I was never able to use the accounts and the bank kept charging {$15.00} service fees on each account and then closed all the account and would not refund any of my funds. I have contacted their customer service and the Branch manger who keeps giving false information and asking for more time for upper management to respond. This case has been going one for a Year now. 

I placed another call today and was told that they have no answer. I need help in refunding my money please
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (TX)

I feel I was pushed into this car loan when the dealer was well aware that I couldnt afford it. Ive tried getting extensions with them Ive been denied. Ive asked for a copy of my contract and they wont provide it. The payments are extremely high and so is the interest rate. XXXX XXXX down on this loan with no relief
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC (TN)

XXXX XXXX or XXXX XXXX installed solar system during XXXX XXXX  for {$81000.00}. During cove19 they had a company called Good Leap to finance the job .time they can not get enough workers to complete the job they keep telling me theres working on getting someone to complete the job. 
I Keep call on the solar company telling them they need to complete the job. Solar company went out of business filed for bankruptcy. In the meantime I was contacting the finance company good Leap, letting them know that the solar company has not completed the job they keep telling me it was not their problem I told them they should not be paying the solar company. they told me they pay them up front. I told them I should never pay a company upfront for a job that has not been completed. They told me I just need to keep paying them and not worry about what the other company was doing I told them I should not have to pay for something that was never completed I told them if they wanted to. They are more than welcome to come and get the system out of the yard. They sent someone out here to inspect the system. See if I was lying about the system, not being completed the technician who came out and looked at it. They told me they wouldnt be paying for it either. If it wasnt completed, I told Good Leap what the technician said they said they would look into it, about a month later they sent another technician out. He said he is with the solar company assumed he was here to fix the system. He is around there, looking at the system, and I had all at once the power went off to the home where I thought they were working on it, and then they pulled out of the driveway. I went outside. They have put a padlock on the electrical panel. This is the day before XXXX. Try to contact Good Leap since it was a holiday no one answered. I emailed them. Tell them the power is off to my home. I have an XXXX  person uses a lift chair and a breathing machine in the home. I had to contact the utility company to have them remove the lock from the panel. I contacted Good Leap again when I could to let them know they better not ever send someone out here to my home again, they couldve been fixing the system they create more problems .now they have put a lien on my home demanding money from me. I keep telling them they need to remove the system and they keep telling me not their problem. Please help if you can. Thank you. 
P.s and I have told them that I never signed a contract showing that the job was completed or a contract with my signature on it. The regional sales rep said when the job was completed I would sign the contract and Ive asked them several times to send me and show a wet signature and verification of contract to me.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.
Consumer complaint received 2023-05-25
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. 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.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (PA)

On XX/XX/24 my income tax return was deposited. The next day or so I made them aware that someone was trying to log into my account. They locked my account. They sent me an email requesting I verify my identity by sending my driver 's license and a photo with me holding it under my chin. They sent me an email back saying they have everything they need to push the investigation further. I called them on the XXXX for an update and they said everything was verified. They said a " speical '' department is handling it and they can't be reached via phone. I told them there is urgency in getting my account unlocked as I need the money to care for my husband who has XXXX. They stopped responding to emails and only give me the runaround on the phone.
Consumer complaint received 2023-05-25
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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 ; XXXX XXXX XXXX ( Reseller ) on XX/XX/2022 ; XXXX XXXX on XX/XX/2022 and there is XXXX XXXX XXXX on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (LA)

I have federal loans that are accruing interest. I was transfered from great lakes to nelnet in XXXX. My payment date amount and date has not been updated yet for what I am supposed to pay in XXXX. It still has a payment of {$0.00} and due date of next year. I hear of people getting through on the phone after 3 hours but I can not sit on the phone that long due to work. I have emailed them with no response. Also their website crashes constantly.
Consumer complaint received 2023-09-07
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

XX/XX/2023 {$21.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX my card was deactivated and not usable. I didn't go to XXXX. The paperwork shows obvious fraudulent activity yet NetSpend refuses to give me a refund. Also I have been blocked from XXXX XXXX for staging and I only made a deposit on or around the XXXX to XXXX so I could send money to my son XXXX. We've never had any royalties or other information to access whatever they're accusing me of. I've been denied refund for purchases on XXXX  that I didn't make. I spent {$5.00} for a new card and then I was blocked. Someone is always changing my information to my debit/credit cards. Email and phone numbers change so I can not access. My address gets changed without my permission. XXXX XXXX XXXX XXXX has never sent me a bill. My information changes without my permission. XXXX charged it for {$20.00} without me presenting the card once and both {$10.00} transactions I didn't get a product. I'm being targeted by everyone and no one has given me a reason. I'm be extorted. I'm being kept from my son for four years purposely. I was denied a {$40.00} XXXX ride to the airport and I had {$89.00} available on my XXXX XXXX credit card. I missed my flight to see my son. I lost @ {$260.00} for the ticket.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (SC)

My account with Vance Huffman collection agency has been re age. The date of last activity show XXXX being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.
Consumer complaint received 2023-01-03
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. (VA)

XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/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 Original Creditor Name XXXX XXXX XXXX XXXX IN XXXX  ) XXXX Balance : {$220.00}.
Consumer complaint received 2023-09-07
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: FC HoldCo LLC (SC)

I have not recieved any verification that this was of my doing. I did not authorize these inquires nor signed documentation to have credit report pulled and it has been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove these hard inquires from all bureaus immediately.
Consumer complaint received 2023-09-06
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (MO)

Dates between XX/XX/2023 and present in various amounts. Multiple unauthorized transactions for purchases sent to XXXX XXXX accounts. Called Money network at XXXX and disputed transactions and cancelled and requested a new card. Money Network just explained that they would be sending a dispute form but that I never receive the form in time to submit it for review and refund approval. I have had numerous issues with this and have been denied the refund because the form submitted was past the deadline but wasnt received until the day it needed to be submitted back.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BLINCLOANS, INC. (MD)

XXXX was located on a list of loan companies that cater to federal employee 's and XXXX allotment loans. 

On XX/XX/23 I was attempting to get a loan from them when XXXX of the steps asked me to input my username and password for XXXX 

Knowing that XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is a government system I found it a little disconcerting that they would ask for this information. XXXX, when we employee 's go to access XXXX the very first thing we see is the warning about proper use of government systems. 

They use a system called XXXX. You are supposed to enter your government username and password and then XXXX uses that to confirm access to the site. 

I asked them if this was legit and they said yes. XXXX XXXX XXXX and I have my doubts, So I did not take the loan and I am reporting it here, Maybe I'm wrong and it is permissible... but i would rather report it and be wrong then not report it and something happen to someone.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.