davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CO)

About a year and half ago, I took out a Personal Loan in the amount of {$3100.00} from XXXX XXXX, and my payments are {$350.00} a month. In XX/XX/XXXX, I called to discuss the loan and request a pay-off amount at that time over the phone I was quoted {$3100.00}. I asked the representative how that could be possible if I have been paying the loan on time every month for the last year and a half. The representative stated that when they provide personal loans they advise borrowers to pay more than the amount due in order to bring down the principal sooner than disclosed in the Schedule of Payments. At that specific point in time, I didnt have time or energy to research the issue any further as I was in the middle of selling my house, re-locating, and burying my parents. I called XXXX on  X/XX/2017 to obtain a new pay-off quote as now that all is settled, I would like to pay the loan off. When I spoke to Customer Service and requested a pay-off amount, I was quoted an amount of {$3200.00} over the phone. To my surprise, this was more than quote 2 months prior to XX/XX/XXXX, and 2 payments had been made since. I asked the Representative how it is possible that the amount went up instead of down based on the payments made timely, and the Representative stated that I have some type of daily interest accruing on the account. I advised the Representative that I was very upset, and I felt this is abusive and predatory lending. I have been paying on this loan for a year and half, and the amount due now is more than what was originally borrowed. I advised the Representative that I would be filing a complaint formally stating my stance and concerns with regards to this loan. I requested to obtain a copy of all the loan documents in my file as well as a full payment schedule. Its no wonder I do not recall anything about the daily interest or the APR on the loan itself as none of the documents in my file have my signature on them. I fail to understand how XXXX XXXX can hold me liable to terms of a loan that they do not have my signature authorizing the same. I do not deny that I borrowed the money, but I believe XXXX XXXX is taking advantage of consumers who care and pay their loans on time. I would like to review the possibility of having all the payments I made re-adjusted to principal in a manner that is not abusive and predatory in addition to fairness to the consumer. I have attached my loan documents for your review of this Complaint.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate
Consumer complaint received 2023-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

Credit Control Corporation, a third party debt collection agency, purchased my alleged debt from XXXX XXXX Hospital for {$2700.00}. Credit Control corporation additionally placed a collection on my consumer report without permissible purpose or consent. Credit Control Corporation also obtained my medical records and social security number without my consent or permission. Credit Control Corporation continues to harass my self, friends, and family members weekly via phone calls. Credit Control Corporation is in violation of the following Federal Laws : 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692 - Any Debt collector Shall not state that an Consumer owes any debt EACH VIOLATION IS {$1000.00} In regards to a follow up response from the complaint ( XXXX ) I initially submitted on XX/XX/2022, The response is entirely false, untrue, & incorrect. It says in very clear English that Credit Control Corporation collects debt. I followed through with extensive research & minor legal action that your statements were 100 % false. Your company has violated my HIPPA rights along with the following US Codes - Consumer law ; 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692. 

Each violation is {$1000.00} I look forward to a prompt response. 
Thank you,
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XXXX I received a letter from a creditor lowering my limit due to a discharged debt on my credit report. I obtain my report and discovered a debt Listed as " XXXX XXXX '', Industry Type -- XXXX, Address- XXXX, MN, XXXX, Account Balance $ XXXX/Charged Off. I HAVE NEVER HAD AN ACCOUNT, NOR ANY BUSINESS DEALINGS WITH THIS COMPANY. I initiated an online dispute with Transunion on XXXX. On XXXX Transunion results -- '' Verified No Change '' On XXXX I requested a INVESTIGATION, by Certified Mail because I was not satisfied with findings-stated No Knowledge of the Debt, and never any business dealing with the company. Upon checking my credit file I reviewed my " updated '' file at Transunion. Again this XXXX XXXX was listed as a an Adverse Account, EXCEPT, the loan type/Industry was now changed to XXXX. It stated Date Open was the same XX/XX/XXXX, Date Closed -- XXXX, Payment received {$0.00} and High Balance {$1000.00}, there was a phone number added XXXX. I did not try to contact this company because I have never had any dealing with them period. I did write another letter to Transunion, sent Certified mail on XXXX XXXX, XXXX, requesting information on discrepancy of the Industry type and loan type. I requested information on how the debt was verified. I received a letter from Transunion, dated XX/XX/XXXX, stating " based on information provided to Transunion, our records show that the information you disputed does not currently appear on your Transunion credit report. '' On XXXX XXXX upon review of my Transunion credit report, THIS ACCOUNT IS STILL LISTED AS AN ADVERSE ACCOUNT. I called Transunion and could not reach ANYONE who Would explain the contradiction of their letter dated XXXX XXXX and the credit report that I reviewed on XX/XX/XXXX. I have not contacted XXXX XXXX, I have never done business with them in their XXXX nor their XXXX businesses. I would appreciate you help, Guidance, direction and/or instruction on correcting this ERROR and removal from my credit report. I have NEVER had a negative/adverse report from my creditors. Thanks You
Consumer complaint received 2022-11-07
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. (NY)

In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Once again, I AM REQUESTING THAT XXXX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-07
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. (NY)

In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

Requested Synchrony 's assistance with defective furniture that was delivered by Ashley Furniture Homestore, but Synchrony basically did nothing to help. Each time, Synchrony would respond stating " we ruled in favor of the merchant, '' without requesting any evidence from me. I was stuck with paying Synchrony for two pieces  of furniture that arrived damaged and defective. 

As such, I sought legal advice, and the lawyer re-sent Ashley pictures of the pieces of furniture. As a result, Ashley has decided to exchange the pieces of furniture as well as refund any interest that we paid on the account ( see attached ). However, in order to refund the interests, Ashley needs written proof of the interest paid to date. Accordingly, I requested this information from Synchrony in XXXX but nothing was done. I reached out to Synchrony again on XX/XX/2020 and was told that I would receive the information via mail within seven business days. To date, I have not received the requested information, and I continue to pay interest on the balance on the account. Further, This balance is not valid ( as evidenced by the attached letter ) since I never received what I paid for.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with The Fair Credit Reporting Act the following accounts are violating my consumer rights. I recently looked at my credit report and found multiple inaccuracies and violations. 

XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. US DEPT ED - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. BANKRUPTCY - REFERENCE # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions 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 2022-11-06
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: FactorTrust, Inc. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Applied Business Services, Inc. (NC)

XXXX XXXX XXXXXX/XX/XXXX {$630.00} ( disputed no action ) Applied Business Service XX/XX/XXXX {$710.00} ( disputed no action } Online information service XX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CT)

I purchased a XXXX XXXX XXXX for {$36000.00} on XX/XX/XXXX and financed it through KIA Finance. This loan was paid as agreed in full on XX/XX/XXXX but NO title has been received and it is going on 6 months. We have contacted KIA Finance multiple times and still NO Title. Their records show that the loan was paid in full, a paper copy of the title is on file and multiple requests for it have been made. Still NO title.
Consumer complaint received 2020-09-30
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. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-09-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

i have my paypal account for along time and i never had problem before. 

the problem start when i try to login in my paypal for transfer the funds to my bank but i was not able to login. after i call the agent confirmed the balance is was transfer to a card and i said i dont have card ending en XXXX ... and that why i open a case about unautorized activity with the case XXXX and XXXX XXXX was sucesfully on my favor. 

and them i login into my account and i already made a transfer to my bank for {$11.00} on XX/XX/XXXX. 

so, after that on XX/XX/XXXX i see my balance was took again from paypal for amoung of {$11000.00} with a rude note that i dont know it was a confuse or what happend with this people ( Note CT pullback abuse unauth dispute wrongly payout amount ) i attached my proof, i want paypal put my balance back to my account please, it was just XXXX dispute and i won, and take the money with a rude note that is not professional.. 
now my balance is {$1.00} i request help for my case.
Consumer complaint received 2023-07-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN (GA)

Received flyer in the mail about this company and applied! I was approved quickly for XXXX and needed to make repairs to my lawn tractor so I thought it was great. The company did send XXXX. Immediately after XXXX was taken from my account. The document where completely falsely made because after the signing because now the documents say that the pay back is XXXX for the XXXX. I have emailed the address on websites well as tried to call and have gotten no response. This is the most ridiculous thing I have experienced in my life. They have all of my personal information so I need to close my bank account
Consumer complaint received 2020-09-30
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. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-11-06
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

KOHLS/CAPONE XXXX Kohl 's is inaccurately reporting a 30 day late as of XX/XX/2020. I contacted Kohls to advise of my hardship due to COVID-19 and was told that I would not be reported late to the credit bureaus due to the CARES ACT. This is preventing me from getting the credit I deserve and I am in the process of buying a home. I have contacted Kohls and have spoken to several Managers that have told me they would send a letter confirming the correction and I have yet to receive the letter. Last manager I talked to was XXXX on XX/XX/2020. His Employee ID XXXX.