davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX  database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. 

On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account. 

NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!! 

NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!! 

The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. 

I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

FALSE REPORTING OF ALLEGED DEBT BY THESE BUREAUSES IS A VIOLATION OF FDCPA SECTION 807, " 15 USC 1692e ''. Another violation of the FCRA is that the claimed debt can not be verified, and I have not received any proof or securities after 30 days.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-30
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. (GA)

I have previously disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Experian, XXXX, and XXXX and in response they verified the item as accurate stating that have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Please delete.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (LA)

I have two accounts on my credit report XXXX XXXXXXXX and XXXX  that are reporting inaccurately they both are showing past due balances and they are open. According to the fcar I have a right to an accurate credit report. There in violation
Consumer complaint received 2023-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

On XXXX XXXX I was on my way out of town for vacation and I went to use my chime card and it wouldnt go thru luckily I had a little cash. So when I stopped for food for my daughter it still didnt work so I went to my chime app and I was signed out. So I called chimes customer service number and inquired why I couldnt log in to my account and when I couldnt use my card they said I needed to send in my iD and mail with my address on it. I couldnt understand.Ive had this account for several years. So I sent in the information and I was told it would be resolved in 24-48 hours. Ive been calling every day asking about my money and nobody will help me not even the supervisors and they say theres no one above them no corporate number I cant talk to the support people and they still have my money. Its in my savings account part of chime.so I contacted the XXXX bank and they said they dont have anything to do with chime. I also called XXXX XXXX and they said the same. All my bills are due. Its like Im starting over from scratch waiting to get paid so I can pay my bills.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

1. The bank did not tell why they are claiming in their response that I said and I quote : '' ... funds missing ''. The bank is avoiding the issue.

2. The company did not say why they mailed me an ATM card with purchase when I told them I only wanted an ATM card for deposit and withdrawal. The bank should have issued me the card that I wanted. I could have made other arrangements if this is not possible. The bank is avoiding the issue.

3. I want to know why I was given two ( 2 ) small pieces of paper when I opened the accounts. The bank did not respond to this. The bank is avoiding the issue.

4. Customers are entitled to transaction receipts. The bank did not give my transaction receipt when I asked for one. The bank should issue transaction receipts. Government authorities should know about this and take action. 
5. The DMV should be informed that the teller swiped my driver 's license at Union Bank to avoid this kind of activity that opens customers to threats of identity theft. Union Bank should inform DMV and the customer. 
6. The Federal Trade Commission and Department of Motor Vehicle and other government agencies should be informed of these complaints so steps could be taken to protect consumers from identity theft. 
7. The Consumer Protection Bureau should have informed consumers of what steps are being taken and what government agencies were informed to resolve the issues to fulfill their role as protectors of customers. 
8. The Consumer Protection Bureau, Federal Trade Commission, DMV, and government agencies should review the videos of the transactions I made at Union Bank. These videos could provide answers to my questions/complaints.

9. I gave one phone number to Union Bank. I am wondering why I was contacted at a phone that I did not provide. How did the bank obtained the number? 
10. I filed the complaints because I want the protection afforded by the Consumer Protection Bureau, the Department of Motor Vehicle, Federal Trade Commission and other government agencies. These agencies should respond to the complaints. I am wondering why the cases are closed when the issues are not yet resolved. The consumers are not being protected when cases are closed without the issues being resolved.
Consumer complaint received 2024-03-15
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)

Equifax XXXX XXXX XXXX XXXX ga XXXX XXXX : DISPUTE/RESOLUTION SPECIALIST RE : ADVERSE ACTION ( REMOVAL OF INQUIRY ) I did not authorize these inquires list below XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are in viollation of the Fair Credit Reporting Act 15 usc 1681b ( a ) ( f ) ( i ) for unlawfully obtaining my consumer report without my authorization or permissible purpose under the 15 usc 1681 FCRA and its guidelines for permissible purpose.

As you may be aware, it is aginst fedreal law in accordance with Equal Credit Opprotunity Act to proclaim an adverse action aginst a consumer. Pursuant 15 usc code 1691 ( k ) and these follwoing compaines have done so and has violated my federal rights : 1. 15 us code 1642 2. 15 us code 1681 ( m ) 3. 12 cfr 1002 A person shall not use or obtain a consumer repor for any purpose unles ; 1. The consumer report is obtained for purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) 15 usc 1681b ( c ) Furnishing reports in connections with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agencyshall not furnish to any person a record of inquires in connection with a creditor insurance transaction thatis not initiated by consumer.

intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; I have not initiated any transaction with with the companies listed above. I do not have an account as defined under 15 usc 1693a ( 2 ) with credit for review or collection.

Since you see I have no accounts listed to those inquires this shows proof and evidence that i have been discriminated aginst, you are also criminally liable. You should resort to reasonable procedures to rectify this affiar and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorize use since i have not recieved NO BENEFIT. 

Following this initial attempt to rectify, i will be sending and invoice to collect actual damages for said violations.
Consumer complaint received 2023-10-30
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (IA)

XX/XX/XXXX  - set up auto debit payment on standard payment plan XX/XX/XXXX  - only {$50.00} was paid on only one of the loans despite having auto pay set up for the standard payment plan. The amount should have been approximately {$180.00}. 
XX/XX/- received an email saying I was in administrative forbearance despite never requesting this. I now have extra interest accruing for Mohelas error
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV INC. (CA)

The State of California chose to contract Money Network to process the Middle Class Tax Refund. I received a prepaid card from Money Network, without a security chip. I was only able to withdraw a limited amount as per their daily withdrawal limit ( {$400.00} ). When attempting to make a second withdrawal of the remaining balance, the card prompted an error message at the ATM. I called Money Network to inquire about the error message. I was told that funds were stolen from my account. 

I went through the process of initiating a dispute to recover the funds. I requested written confirmation of the event for my records. Money Network refused to provide written proof of the stolen funds. I was told that Money Network would not provide written communications about the event. I was told to wait for the dispute process to resolve and I would receive a check in the amount of the balance. Several weeks passed without any communication or check from Money Network. 

I took it upon myself to call Money Network for an update on the case. I was told that the dispute was successful and that funds were returned to the account balance. I asked when I would be receiving the check. The individual informed me that it would take between XXXX to XXXX business days. I asked when the dispute resolution decision was made. It turns out that the decision was made on XX/XX/2023 - three weeks ago and Money Network provided XXXX communication. I was told that a check would only be issued on the balance if requested by the account holder.

Money Network recklessly issued prepaid cards without the advertised safety feature of a chip, making Middle Class Tax Refund customer funds vulnerable to theft and fraud.

Money Network has been minimally if at all cooperative in communicating in the dispute process. Money Network stonewalls in respect to communication and in respect to making funds rightfully belonging to customers accessible to said customer. I was only issued a check when I took it upon myself to be proactive in calling in for a status update on the status of the dispute. Had I not done so, Money Network would have indefinitely held onto my funds. 

From the daily card withdrawal limit, to only offering fee free withdrawals at their unsafe partner ATMs, to issuing cards without safety features, Money Network has been irresponsible at every turn, looking out only for themselves, even creating the environment in which customer funds were made vulnerable to theft -- making customer funds ripe for the picking for any scammer to use a skimmer on the unsecure chipless Money Network cards at one of Money Network 's unsafe partner ATMs or on the dark web.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/2019 a fraudulent account was opened in my name without my consent for a XXXX  XXXX credit card From Midland Credit MGMT in the total amount of {$6000.00}. I've made contact with the company and opened a dispute through XXXX. This debt is due to Fraudulent actions and Identity Theft i Want all collections to Cease And Desist!
Consumer complaint received 2023-10-31
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2022-12-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-10-31
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. (GA)

Compliance procedures 15 U.S.C. 1681 section ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian has failed to follow the law regarding verifying and reporting accuracy. I am a victim of an identity thief, and Experian keeps verifying accounts disputed that I am not liable for. I requested proof of the validation from Experian but received no response. I yielded all necessary documentation to support the dispute. I am asking them to remove all erroneous accounts from my credit report. 15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions ; therefore, my rights were violated. I DEMAND ALL ERRONEOUS ACCOUNTS BE REMOVED IMMEDIATELY. The following are 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  I know that Experian Consumer Services is facing Injunction and an {$650000.00} Civil Penalty. I hope that with this lawsuit the company starts to truly protect consumer now.