davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current (CA)

On XX/XX/22 and XX/XX/22 i attempted to make purchases online with my Current debit card through a company named XXXX. On XX/XX/22 i attempted a purchase for {$50.00} USD and on XX/XX/22 for {$250.00} but each transaction was declined for unknown reasons. I noted that although my purchase was declined, my account showed those purchase amounts as pending and those funds were deducted from my available balance. 
I spoke with XXXX via chat support and although they did admit to authorizing but ultimately declining the transactions Im question, they also stated that they had immediately cancelled those authorizations, which even in the worst cases, would not take more than 1-3 days for those funds to become available again in my account. XXXX even went as far as giving me the authorization code to give to Current, so that Current support staff could see that XXXX cancelled their request for an authorization/hold of any funds from my account and should feel safe to release those funds back to me. 
I have contacted Current via chat support about ten times since XX/XX/22 and have spent hours of my time attempting to reclaim my money which still sits as pending and unavailable in my account. Current continues to regurgitate the same autoresponses to me, mostly stating that they have a right to hold my funds for 7-10 business days, even though this hold causes a severe financial hardship on me, and continues a long time after the merchant has already confirmed that they no longer need those funds to be held by Current. 
I have {$2.00} available in my account and {$300.00} being held by these authorization/pending charges, which has put me in severe financial distress, as I have no money for food, gasoline, or any other basic need I had intended to use those held funds with Current remains steadfast with their lack of empathy or moral compass and do not see any need to release my funds back to me until XX/XX/22, XXXX full weeks beyond what they and I know was actually necessary. I, my girlfriend, and my cat XXXX wake up hungry every day because Current employees apparently enjoying hearing of others suffering, or are teaching me a lesson because I opened an unrelated transaction dispute around the same time or because I became frustrated and irate with their managers when I could get them on chat support. 
The merchant has done everything they can to try and assist me in getting my funds released but Current will not budge on their stance in my case.
Consumer complaint received 2024-03-14
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)

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (AL)

Remove unauthorized inquires see FTC attache.... 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 2022-04-20
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. (CA)

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. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NC)

XX/XX/2022 and XX/XX/2022 ive applied for the XXXX  XXXX  XXXX XXXX due to XXXX  andthey denied my application twice after putting in my social security number twice. for personal family and household 15 U.S. Code 1691 - Scope of prohibition 15 U.S. Code 1681m - Requirements on users of consumer reports
Consumer complaint received 2021-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PDQ Check Exchange LC (UT)

They will not work with affordable payments even though my loan was impacted with covid they have called my work saying they have a judgment but won't provide me with any proof they have drained my account several times they lie they have forced me in to bankruptcy rather then try try help
Consumer complaint received 2022-04-20
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. (FL)

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. 
XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: M&T BANK CORPORATION (PA)

XXXX Was taken XX/XX/2020 I tried going to my personal bank about getting this company my money back saying they worked with XXXX of my loans getting reduced. 

Link used https : //obamawhitehouse.archives.gov/issues/education/higher-education/ensuring-that-student-loans-are-affordable Person XXXX XXXX XXXX XXXXXXXX The time of my loans were going through XXXX loans the frauds told me my money was going to that and I called my loans and they said they werent applied.
Consumer complaint received 2022-04-20
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. (IL)

On XX/XX/XXXX I received a credit report from Experian, stating a social security that is not mine, but a fraud! 
I never had social security in United States. I only have XXXX since XX/XX/XXXX ending in yyyy. 

I already sent Experian the letter and documents they requested me over 30 days, and I still have this fraud on my name. 

What should I do since Experian dont respond me? I try to call and no one can help me through the phone because I only have XXXX. I send a letter and I still dont get any answer about this fraud. Could you please help? 

Sincerely,
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NY)

I send in a copy of the text that I received to there XXXX. I received a text stated that " A suspicious Activity Detected On Your Debit/ATM card so we placed A Restriction, To Verify your identity Follow XXXX XXXX XXXXXXXX. ''
Consumer complaint received 2024-03-13
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. (NC)

XXXX, Equifax and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Consumer complaint received 2022-04-20
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. (FL)

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. 
XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX has violated my rights 1

5 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 2022-04-20
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. (MD)

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. 
Municipal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal permanently limited my account for 180days for no reason, XXXX XXXX an everytime i cobtact its automated. i just want my funds. its been well over 180 days. an there is no issue with my account everything is accounted for in my account. they never sent me the email, after the 180 days so could withdraw my funds. i just keep getting the run around. a also XXXX XXXX paypal XXXX XXXX to themselves from my account. first off no one in he world knows how to send money directly to paypal. i attached all documents, please help me an my family move pass this stump in the road. XXXX paypal email.
Consumer complaint received 2022-10-14
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the bank and they told me they would remove the late dates from the account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX  XXXX
Consumer complaint received 2022-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

One of my loans ( XXXX for XXXX XXXX, {$12000.00} ) through Heartland ECSI has the incorrect disbursement date. The date is listed as XX/XX/XXXX, which is completely erroneous as I was born in XXXX and did not start medical school until decades later. I plan to consolidate my loans through a different servicer, which will require the correct date. If the disbursement date is not changed to the correct day, it will affect my debt consolidation and my ability to have my loan forgiven through PSLF. I have called their customer service several times over the course of two years without anything being done for it and being placed on hold for hours. All I am simply asking is for the correct information to be displayed. 

Thank you
Consumer complaint received 2024-02-16
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. (GA)

There is an issue with my credit report. I have tried several times to have erroneous information removed. I disputed these accounts with the credit reporting agencies. They responded back to me and said it was verified with U.S. BK courts and XXXX XXXX. I requested information from them and they informed that the information unverifiable and should be deleted. I am enclosing a documentation to support the removal of all XXXX XXXX XXXX 's on my credit report. I am enclosing the proper documentation. 

-Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX -Chapter XXXX XXXX case # XXXX
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022 I CALLED TRANSUNION TO REPORT THAT I HAD INACCURATE INFORMATION ON MY CONSUMER REPORT THANKS TO THE WONDERFUL LADY SHE HELPED ME GET RID OF MOST OF THE THINGS ON MY CONSUMER REPORT BUT IM NOT DONE. TRANSUNION GOT RID OF 21 INQUIRIES THAT WERE SUPPOSED TO BEEN INVESTIGATED WHICH BY LAW MY CONSUMER REPORT IS SUPPOSED TO BE INVESTIGATED WITH FORWARD NOTIFICATION THAT MY CONSUMER REPORT WAS INVESTIGATED. I WANT TRANSUNION TO BE AWARE THAT ALL NEGATIVE REMARKS FOUND ON MY CREDIT REPORT IS A VIOLATION OF THE FCRA AND FDCPA. I AM WILLING TO SETTLE THIS OUT OF COURT. 

DEMANDING {$1000.00} PER INQUIRY REMOVED = {$21000.00} PLUS VIOLATIONS VIOLATED {$1000.00} = {$2000.00} CHARGE OFF XXXX = {$1500.00} XXXX XXXX XXXXXXXX. PAY STATUS- SATISFIED XXXX XXXX XXXX. PAY STATUS- SATISFIED, REOPEN CREDIT CARD, INCREASE TO XXXX CREDIT LIMIT SETTLEMENT CHECK {$24000.00} email me at XXXX for mailing address for settlement check XXXX : XXXX WITHOUT PREJUDICE
Consumer complaint received 2022-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

This is in regards to complaint # XXXX. I do not feel like Caliber Home loans has responded in a proper way with correct details, also they completely ignored the fact that the lender completely misled me as a customer. On FHA Mortgage 's it is required to collect all insurance in an escrow account, therefore they should have collected windstorm at closing. If they did not collect it at closing then they are implying it is not required and is therefore optional. For example if my property was located in a flood zone it would be required that I escrow flood insurance. If my property was not in a flood zone you would not require that I carry flood insurance and nor would you require me to escrow it. By that reasoning since Caliber did not collect Windstorm in my escrow account it either means one of two things which is that it is not required for me to carry windstorm or that it is not an FHA mortgage. Besides the FHA guideline issue that Caliber is ignoring, the mortgage lender that I dealt with directly clearly misguided me when it came to what my mortgage would cost. He should have known that this would happen, if he didn't know then how can he handle mortgages? This individual knew that my mortgage was going to be higher than what he quoted me but clearly hid it!
Consumer complaint received 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking my credit report and I have found some inquiries that I did not authorize. I believe that someone is using my information and these inquiries are fraudulent.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (NY)

I received a letter from FBCS Consumer XXXX Solutions that I owe before mentioned company {$610.00}. On XX/XX/2022 I have sent certified mail to FBCS Consumer XXXX Solutions to validate debt to be provided with competent evidence that I have any legal obligation to pay and requested following documents to be mailed to me : -agreement that grants collection agency authority to collect alleged debt. 
-agreement that bears signature of alleged debtor where I have agreed to pay creditor -any insurance claims made by any creditor -any judgements obtained by any creditor -name on file of alleged debtor -name and address of alleged creditor -alleged account number -amount of alleged debt -address on file for alleged debtor -date this alleged debt became payable -date of original charge off or delinquency -verification that this debt was assigned or sold to collector -complete accounting of alleged debt -commission for debt collector if collection efforts are successful. 

As of today XX/XX/2022 I have not received any requested documentation from FBCS Consumer XXXX Solutions. Above mentioned collection company failed to validate debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. Since they did not, theyre in violation of the act.
Consumer complaint received 2022-04-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have been taken advantage of due to mal-practice while several laws were being broken under the fcra by your company. Unable to get a loan pertaining to a car and house, and have experienced deformation of character with even less of an opportunity to obtain a reasonable credit score as a result. Your company has failed to provide reasonable proof of validation and has also allowed a derogatory mark back onto my account without my permission. This an account that has been removed by all other bureaus to note. The merchant claims that an amount of {$150.00} is owed without proper verification procedures. I have sent several letters ( please find attachment ) pertaining to the violations to no avail.
Consumer complaint received 2023-10-20
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX