davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

LEXIS NEXIS received my completed form and identification information but is refusing to provide the free annual report. 

LEXIS NEXIS does not want to provide me their annual report as they have stated " unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' LEXIS NEXIS is on my XXXX report under " soft inquiry '' LEXIS NEXIS is permitted to look into my financial privacy, without my permission or consent, but now when I ask to see the information they have created about me, they don't want to provide the information? 

Maybe LEXIS NEXIS forgot that I was an XXXX customer that had a insurance policy for the 2007 XXXX XXXX which was canceled with no explanation provided. The policy was canceled shortly after I refused to sign a affirmation document presented to me at the XXXX NY XXXX agency because it had false identification information about me and my daughter. LEXIS NEXIS provides information to insurance companies in New York State. After the XXXX policy was canceled LEXIS NEXIS made sure that I could not open another policy with a different insurance provider. I was refused a policy by XXXX XXXX and priced out of the market by the other carriers. My daughter could not drive the car for a few months until a new policy was issued to her as the new owner of the asset. 

Will L ; EXIS NEXIS provide accurate information or false information in the annual report? I can not correct what I can not see.
Consumer complaint received 2020-03-27
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. (NY)

Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt
Consumer complaint received 2023-05-13
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. (GA)

When I reviewed my credit report, I discovered that the account was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (MN)

Credit went from. Good to poor, due to identity theft, in last 8 months. All federal Pell grant, loan, and ssdi 'missing ', and it seems like us bank would prefer I die rather than help me- just judging from their continual assassination of my supposed character.
Consumer complaint received 2022-12-28
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021
Consumer complaint received 2021-09-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The reason I'm filing this complaint is because I have inaccurate and unknown things reporting on my credit report. I ask the credit bureau to investigate within 30 days as the law requires and I have not heard anything back from credit bureaus as of todays
Consumer complaint received 2020-03-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter from attorney firm representing a collection agency trying to intimidate me into volunteering my personal financial information over to them as a means to collect on this debt, which also implied they would take action against my home if I did not reply. Followed by that letter was another letter stating the debt.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX 4 year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made 30days and even 60 days past due with XXXX. XXXX XXXX is falsely reporting a Charged off Credit Card account thats been delinquent since XX/XX/XXXXXXXX XXXX XXXX XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and XXXX  and Transunion and XXXX. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. XXXX   TRANSUNION XXXX  FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-05-13
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. (MD)

This is my 7th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CHECK INTO CASH INC. (KY)

I wrote a check on XX/XX/XXXX to secure an unsecured cash loan from Check Into Cash. I was enduring financial hardship at the time and was unable to repay the loan. Multiple times the check I had written for {$580.00} was deposited into my account. Every time, it was returned due to insufficient funds. Every time that occurred, I was forced to bear a {$37.00} returned check fee. On XX/XX/XXXX I made arrangements over the phone with Check Into Cash to pay 4 payments to pay off the balance of {$580.00}. On or around XX/XX/XXXX the check was again force deposited for {$580.00}. This amount was returned again due to insufficient funds causing me to bear a {$37.00} returned check fee. This was unfair due to the fact that we had set up arrangements to pay this amount. After contacting Check Into Cash, I was given assurance that this {$37.00} would be removed off of the balance that I owed Check Into Cash. I made all payments that I was able to up until I lost my job due to the Covid-19 Pandemic. I then was unable to make the payments that we had agreed upon. I had my balance down below {$450.00}. Check Into Cash then on XX/XX/XXXX decided to deposit the check YET AGAIN for {$580.00}. Over {$100.00} more than what I owed them. I was never contacted by Check Into Cash or anyone related to the company regarding this debt during the time period between my last payment and the time this check was again deposited-unfairly. I was blindsided by them. Unfortunately, I had finally gotten my Unemployment Check after several weeks of waiting, and that happened to be the same day Check Into Cash decided to deposit that check unfairly. The money was unfairly removed from my account, which directly broke a rule in the Fair Debt Collection Practices Act. This company is unfair in their practices, they dont care about your personal situation, they give you verbal agreements and guarantees and dont uphold their end. They have unfairly collected more than what I owed on a debt. They have acknowledged that it was a mistake. However, if I didnt call, and absolutely lambast them over these practices, they wouldnt have acknowledged that. As of the filing of this complaint, they have not resolved this issue.
Consumer complaint received 2020-03-27
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. (NY)

Hello ; I need help. I submitted various proof requesting the originals creditors request to remove items off of my credit report. 

I submitted these documents via email with return receipt. These items still remain showing incorrectly on my report. Equifax reported doing an investigation. I submitted various companies letters and they have yet to correct the problem. 

Please assist. 

Thanks, XXXX
Consumer complaint received 2021-06-02
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. (CA)

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

To Whom It XXXX Concern, We are a 100 % federally legal and compliant XXXX XXXX XXXX XXXX, who formed in XXXX of XXXX, and have been conducting business online since XXXX. We set up our website via XXXX, and chose PayPal as our payment processor. The name of our company is XXXX XXXX XXXX, and that name appears on the EID paperwork that PayPal asked us to provide to confirm the account. Prior to them freezing our account due to their false accusations that we have violated their XXXX XXXX policy they processed our first 20 payments. After accepting the last 2 payments they placed a hold on our account. 

Before this hold, we had spoken with PayPals customer support management team on several occasions and not once was anything brought up about our products violating any company policy they had in place. If they felt our company violated any such policies, they could have informed us that they consider XXXX  to be a XXXX XXXX instead of the legal XXXX XXXX that it is. Had they done so, we would have sought out a different processor to handle our needs. 

Per our lawyers guidance, we sell XXXX XXXX to 48 of the 50 United States. Since the passage of the 2018 Farm Bill Act, XXXX is now considered 100 % federally legal so long as it remains compliant under XXXX XXXX XXXX. 

This account freeze comes at a crucial time, right when the XXXX  season is picking up and farmers are starting to purchase the XXXX  they plan on XXXX  this year. Any holdup hinders our abilities to help them have a successful season. It also hinders our companys ability to succeed and thrive in our first and hardest year. 

On top of this, we are now facing the COVID-19 pandemic. We would normally have no trouble weathering this situation since we are able to operate out of our private quarters, with minimal outside contact. Now we will be forced to go out in public, risking our own health and wellness, so that we can pay cash and ship at the Post Office. We will have to pay out of pocket to ship these orders since PayPal has seized our funds, including payments for shipping. 

This issue has caused us to work several extra hours contacting groups such as yours and many others in an attempt to find a resolution. PayPal is essentially halting our business until we can locate another payment processor. In other words, we are struggling to stay afloat. 

We thank you for your time and efforts and anything you can do to help us in resolving this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are attaching multiple screenshots of our PayPal accounts status, a letter to PayPal and our XXXX dashboard showing payments that were accepted and held. 

And here is a video link showing that our business documents were accepted : https : XXXX
Consumer complaint received 2022-12-28
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. (MN)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and Experian and XXXX  and XXXX. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. EXPERIAN XXXX  XXXX  FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX
Consumer complaint received 2021-01-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bass & Associates, P.C., Attorneys at Law (TX)

On XX/XX/2020, I called and spoke to a representative of Bass & Associates, PC in order to validate the debt and any possible charge-offs against me. However, Bass & Associate, PC failed to validate any debt against me.
Consumer complaint received 2020-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, XXXX  and Transunion barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

on XXXX i scheduled a transfer with XXXX XXXX  to pull funds out of my marcus Goldmansachs XXXX. I received an email from XXXXXXXX XXXX  on XXXX XX/XX/2024 saying Marcus blocked/rejected the transfer, that was when i called Marcus GS and verified all information as well as them sending me codes to my phone number to authenticate me. they proceeded to say they blocked my transfer because I couldn't transfer my money as it was a new account ; the account was only 24 days old. I disagreed with that as i don't believe there is any law stating they could hold my money hostage the waiting period was over and all funds in there were available. So I asked them to close my account and return my money. They confirmed my account will be closed and over {$50000.00} that was sitting in that account will be transferred to the external account I transferred it from but instead the next day they locked me out of my account and have been giving me the run around the last two times i called. I called again this morning now they are claiming that my phone number which they have authenticated multiple times all of a sudden they cant verify it is mine anymore and thats why they dont want to give me back my money and have locked me out of my account so i cant schedule the money to be moved out of there. They then proceeded to ask for my DL which i provided & i was told my DL has been verified but it will take them a few more days to give me access to the account to move my money out of it. this shouldnt be the case i am not sure why this bank is making it hard for people to get access to their own money. when they were pulling money via ACH out of my other accounts it wasnt difficult now they are also claiming they cant verify the discover bank that they too {$40000.00} out of.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

They closed my account in XX/XX/2022 reopened, slammed me with the annual fee, then restarted my credit reporting. Company is complete fraud. 

Called a XXXX times on the payment issues. Kept adding on fees and charges for returned checks.