davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I received XXXX bank statements from First Bank in XXXX. The first bank statement was from an account that I never opened and never received any credit card. I was charged XXXX. None of the transactions were made by me and were unknown of since I did not open this account. I only found out due to receiving bank statement via mail to my home address. For the XXXX statement, it was with an account that I do have and had since XXXX. The transaction dates were the exact same as the first bank account ( never opened ) and was the same transactions. Both transactions were made on same day and it was for the same thing. The total for my XXXX bank statement was XXXX. The total number is different due to interest charges, but transaction are exact same. When I received these bank statement, I immediately called First Bank and talked to a representative. They said they would look into the case and that I should not worry about it. I had to call them multiple times due to receiving mail that they needed more information. After calling they told me again not to worry about it and that the charges would be waived due to fraud. When on XX/XX/XXXX, I received a mail from First Bank stating that they are denying the fraud claim. This is very unfair due to no fraud protection, as I was never notified through email or any sort. I only found out about these transaction because the mail was sent to my home. I should not be held accountable for these charges as First Bank are not taking appropriate steps to investigate my case. They sent me a mail stating that I should contact the merchants listed on my bank statement, which I have but it should be their job to do that. They need to be held accountable as they are not protecting their clients from fraud and are allowing scammers to steal my identity and make an account under my name. I am very frustrated about the situation and need your help.
Consumer complaint received 2023-03-01
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: SIMMONS FIRST NATIONAL CORPORATION (TX)

I have contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked from my credit report.
Consumer complaint received 2019-09-11
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. (NC)

Please note I have sent 3 different dispute letters to Equifax dated XX/XX/2019, XX/XX/2019 and XX/XX/2019. There are currently 5 medical accounts which were showing on all three credit bureaus. Each was sent the same letters on XX/XX/2019. As of XXXX both XXXX and XXXX has since deleted the accounts due to the fact they were not able to VALIDATE or Verify the accounts in question. All except for Equifax who keep sending responses saying it is verified. I have also sent documentation showing that neither the collection agencies nor the Credit Bureaus were able to validate and the accounts should be deleted. 

The FCRA states that the credit Bureaus verify their information before putting information on my file. Not just send a request or response from XXXX. How are they determining this person is me? According to FCRA there should be proof of my signed document as the proof that this is me. I did not receive a notification that the investigation was completed. I just happened to call in. I just spoke to a supervisor named XXXX who have informed me that I can not even request the documents that are in my file at Equifax. She then told me that it is the collection agency that has to do the validation which according to FCRA laws are incorrect. 

I demand from Equifax to see the verification that was used that these accounts are mine since other collection agencies were NOT able to verify. I am very concerned that on top of the breech that Equifax had that they are NOT following the laws of the FCRA. I demand that Equifax remove these collections until they can send FULL Verification of this Medical Debt that could not be verified but they are still reporting.
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CA)

I got Solar Panels through XXXX XXXX XXXX, XXXX and they used the finance company GoodLeap , LLC. The XXXX Panels were installed but never activated and the permit was not taken out with the City. I've learned that XXXX XXXX XXXX, XXXX company has went out of business. At this point I've reported this to GoodLeap which is looking into the situation however they keep charging my bank account with a my monthly loan amount and sound unwilling to stop it until they figure out my situation.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
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: Reliant Financial Corporation (CA)

RELIANT FINANCIAL ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.
Consumer complaint received 2019-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

To Whom It May Concern, Please refer to complaint XXXX and complaint XXXX for previous information. I am writing to you to follow up on Fed Loan Servicing 's current response on why they are unfairly trying to change the terms of my student loan because I filled out an application. Let me be clear in saying that I did not understand the forms in which I signed. I have very XXXX XXXX  even with my glasses when it comes to small print, and the print was very small, difficult to see, and hard to read. This fact seems to be dismissed and overlooked. I have stated this many times. I have already sent you my current XXXX  prescription through Congressman XXXX ' office. Also I continue to get the same information/ suggestion about TEPSLF when I clearly stated that I am NOT in any position to do income driven repayment. I am raising XXXX small children and taking care of a sick elderly relative. I am the main source of income for my family and can not afford extremely high monthly payments that could increase over time. 
I contacted XXXX directly when this dispute first occurred. I asked them to send me the repayment terms of my loan. I received paperwork from XXXX. Included in what I received was original paperwork from American Education Services, Direct Loans, and a promissory note from XXXX. Fed Loan Servicing seems to have something different. Included in their response was a document from XXXX saying that XXXX had updated the payment schedule. I have never seen this document prior to Fed Loan Servicing 's response through the CFPB. What I found interesting about the document is that the payment continues to be the same at {$200.00}, but the term was extended XXXX. Even if this document is true XXXX is not XXXX which is the amount of time Fed Loan Servicing is trying to extend my payoff date. I am not paying this loan five extra years at almost XXXX years old on a fixed income. I graduated in XXXX. Fed Loan Servicing continues to say that my loan can not be returned to XXXX, but they have done it for other people in similar circumstances. I was denied loan forgiveness and in the end they would have forgiven XXXX dollars which is absurd. This program is unethical and misleading to the American Public. It defeats what it is set out to do. I am not threatened by Fed Loan reporting delinquent payments to the credit bureau. I am not purchasing a new car or a new house, or looking to get credit cards anytime soon. I work, pay my bills, and have always paid my student loan for many years. I am hard working and extremely responsible. I have been a XXXX XXXX XXXX  in a poverty stricken community for XXXX   years. I am a person of principle, and I will not be bullied by a company who clearly is unjust. I want this loan returned to XXXX under the original terms I had with them, and should not be in this situation because I filled out an application.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: General Motors Financial Company, Inc. (IN)

GM FINANCIAL LEASING ACCOUNT # XXXX RE : XXXX XXXX XXXX  XXXX XXXX LEASE My father, XXXX XXXX, passed away XXXX. He did not have a will, a trust or any other type of estate planning in place. I sent GM Financial his death certificate several times by fax or e-mail until they finally marked his account as deceased. I attached a cover letter showing my intent to buy the car once the account had been properly notated as deceased. My cover letter stated clearly I had been working with the dealership. 

Before the account was notated I had received phone calls and requests from customer service when I called to pay the account current. I refused to do that since I am not on the lease and did not trust them due to the problems they had in marking the account deceased. 
They offered and assured me that if I brought the account current I could assume the lease with no problem and bypass the dealership. The monthly payment was {$170.00} and the mileage is XXXX  miles. The only thing was that I make the payment, wait for it to post and then call back to the lease assumption department at XXXX. I called and talked to XXXX and XXXX and was told that I could not assume the lease since there was no will or trust set up for my father prior to his death. 

After going back and forth and challenging as to why I was told I could assume the lease with payment I asked for my money back. They told me to get an attorney if I wanted my money back. 

The payment I made of {$530.00} was stolen outright from me by the lies and promise that I would be able to take over the lease. I never at any time signed a contract with them and was not on the lease. It was beyond deceitful and deceptive that they got their account current and did not care who they got the money from.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I order items from an approved PayPal vendor and did not receive my goods. The vendor no longer is communicating with me. I reached out to PayPal and disputed the charged on XX/XX/2022. PayPal said I would have my money back within 10 days. I've reached out to PayPal multiple times because they keep closing my case and and reopening it and saying it should be 10 days until I get my money back. The date is XX/XX/2022 and I just received another email of them denying the money they owe me.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following account XXXX/XXXX   XXXX - student loan is in deferment status, it is not aid late. None of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my accounts
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-09-01
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. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-29
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. (NV)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-07-29
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. (NV)

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following accounts XXXX XXXX XXXX  XXXX, XXXX   XXXX but none of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my acconts
Consumer complaint received 2023-07-06
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. (AZ)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (IL)

Dear Bureau, this credit dispute is being submitted as a new evidence dispute. This is not a duplicate. The below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I see on my Credit Report an account about which I dont know anything AT ALL. This is a fraudulent account. Im attaching to this letter a copy of the identity theft report proving that this account doesnt belong to me, Im also enclosing a copy of my Drivers License and SSN to verify. Please remove this account/ block this account : Name of the fraudulent account : XXXX XXXX XXXX XXXX It was opened on : XX/XX/2022 Total Charges : {$540.00} This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon. Sincerely, XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The adverse item being reported without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. XXXX and Experian are thus violating this provision by reporting inaccurate information without proper consent. 

Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of relevant sections and limit the furnishing of consumer reports to specified purposes. XXXX, Experian and XXXX are failing to uphold these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, I have the right to opt out of reporting services at any time, and I am choosing to exercise that right. 


XXXX XXXXXXXX / acct number XXXX all ( late payments ) XXXX XXXX  / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX charged off XXXX XXXX / acct number XXXX charged off XXXX XXXX XXXX / acct number XXXX all ( late payments )
Consumer complaint received 2022-05-31
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: ALLY FINANCIAL INC. (GA)

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 : It also states a consumer reporting agency can not furnish a 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 15 U.S. C 1605 - Determination of finance charge 15 U.S.C 1666b - Timing of payments
Consumer complaint received 2023-03-02
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX Bank 's name : Synchrony Bank XXXX XXXX. XXXX  XXXX XXXX, FL XXXX XXXX. TJX Rewards Platinum Master card XXXX ( old card No. ), XXXX ( new card No. ) Some one unauthorized use my credit card XXXX XXXX XXXX XXXX ( old card ) for 11 transactions in the period of XX/XX/XXXX - XX/XX/XXXX for the amount {$810.00}. I called the bank and they issued me a new card No. XXXX XXXX XXXX XXXX and transfered the balance for those unauthorized usage and interests, However, they only gave me the credit for 3 transactions in the amount of {$220.00} and keep on charging me interests for the unauthorized usage on my card. 

I called them and sent certified mail but up today they did not honor the full credit but bit around the bush when I called. Finally XX/XX/XXXX they sent me a letter and approved but up day they still did not credit back {$1100.00} in full that include the amount of unauthorized usage and interests charge for the unauthorized usage. 

This matter has been over 11 months, Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Every month this year I have disputed old information name spelled wrong as well as affidavit of truth to go along with fraud Inquiries nothing has been done. And I dont know what else to do! Im so frustrated and Im not sure what needs to be done but I need help immediately.
Consumer complaint received 2023-03-01
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. (MD)

IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX  is reporting several late mortgage payments during XXXX. I was in process of a modification and had been informed that payments would not be reported during the time in which the modification was in process. I have had my mortgage since XXXX and there were never any late payments. 

I've had issues with XXXX XXXX XXXXXXXX before and will be looking to refinance my home when interest rates drop again. I find XXXX  XXXX XXXX to use deceptive practices with some of their customers. 

Again, today I contacted XXXX  XXXX XXXX and again requested that the late payments from XXXX be deleted because they harm my credit rating and because I was in the modification process. 

A representative informed me she would forward my information to a manager of the credit reporting department, but I have not received any response.