davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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)

On XX/XX/2020 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. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

on XX/XX/2020 I sent letters to XXXX  and Experian stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove ASAP.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

DEBT COLLECTOR IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE XXXX- I AM THE EXECUTOR XXXX XXXX XXXX ( XXXX ) Comenity Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX they are reporting a collection account on my consumer report - Account # XXXX. Comenity Bank is reporting that I do not owe them a past due balance? Yet they are on my consumer report giving the impression that I owe them. They also state that they sold my account to a third party. Firstly, I did not authorize them to sell the account to any third party, that is violation of my right to privacy according to the FDCPA and a violation of my right to be secure in my papers according to my 4th Amendment right. Secondly, they sold the account, I no longer owe them anything. In fact, I never owed them anything. I participated in a consumer credit transaction with you and extended YOU credit, and you took advantage of me by making me believe that you lended me your own assets when in reality you lended me my own federally protect money that is backed by my credit card ( social security number ) and the United States of America, according to 18 USC 8. Yet they are falsely stating that I owe them, that is a violation of 15 USC 1692e ( 8 ) and 15 USC 1692j. They are committing Aggravated Identity Theft against me pursuant to 18 USC 1028, they are unlawfully transferring my authentication feature electronically to unauthorized third parties. They are also conspiring against my rights with the Consumer Reporting Agencies and this third party that they sold my debt to, according to 18 USC 241. This debt collector is violating a number of my federally protect consumer rights. I have included several violations that you, Comenity Bank, owe me in my Bill of Particulars.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (MD)

CFPB, On XX/XX/XXXX, I used my Afterpay credit to purchase three XXXX XXXX tickets from a travel agent called XXXX XXXX. I paid a total of {$620.00} USD for the three XXXX XXXX tickets after XXXX XXXX advertised that carryon luggage was included in the price. After receiving the ticket details, I found out that carryon luggage was not included in the tickets that I purchased. The tickets I purchased for {$620.00} only included free personal items luggage and carryon luggage was going to be a separate price. 

After the travel agent refused to provide me with a refund, I said submitted a consumer complaint to the US Department of Transportation and opened dispute XXXX with my credit card company ( XXXX ) on XX/XX/XXXX. XXXX closed dispute XXXX on XX/XX/XXXX and advised that I work with the travel agent to resolve the issue. 

On XX/XX/XXXX, without any communication about the type of refund I would be issued and the impact that a ticket cancellation would have on me financially, XXXX XXXX cancelled the three XXXX XXXX tickets I purchased for {$620.00}, and only gave me {$210.00} in airline credit. I reached out to XXXX XXXX to get my remaining {$400.00} in refund but the company hasnt responded to my inquiry. XXXX will not assist me with obtaining a refund from XXXX XXXX. 

After being scammed out of {$400.00} by XXXX XXXX, I checked their social media presence and found customers complaining about losing as much as thousands of dollars. 

Thank you, Customer
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (FL)

After Starting an investigation with Equifax several times asking them to verified this Fraudulent information. Each credit reporting agencies has a different amount on my report, Equifax reported an alleged amount of {$1000.00}, Inaccurate Information, and the collection company also collecting a different amount. 
Equifax sent me few responses that the account has been verified. How can they verify this account if the collection company can not validate account, I have contacted the collection company several times ( XXXX XXXX XXXX ), and they have refused to investigate the account. 
After starting the investigation, I get a letter from Equifax saying that they were unable to locate my credit file in their data base with the identification information I provided. even thought I sent them everything required by law.

I have never give Equifax a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in 
my credit report agency, specially a alleged debt that is not mine. No consent is Identity Theft.

15 U.S. Code 1681n - Civil liability for willful noncompliance Identity Theft Report, fraud report, and XXXX report with current address Id and SSC, collection letter with different alleged amount attached. 

Thank you, Look forward for your response.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (NC)

On XX/XX/XXXX, {$560.00} of available funds were in my checking account with SunTrust Bank. These funds were frozen and the account was closed. Through multiple phone calls and meetings with the branch manager, I was advised that even though the account was closed, the funds were unavailable to me and would not be available for up to 14 business days. This is completely unreasonable ; I have bills and rent to pay and holding on to funds that were deposited from my employer puts me in a major hard place. I have accounts with other banks and have never had anything even remotely close to this happen before.
Consumer complaint received 2021-03-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX XXXX and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2024-02-27
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-05
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: CORELOGIC INC (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit report. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MD)

On XX/XX/2020 someone stole my idenity ( via a stolen cell phone, that had been stolen earlier in the year ) and used to fraudulently steal considerable amounts of money from my online accounts, and make several unsuccessful theft attempts ( including on my XXXX  and XXXX account. ) Specifically Paypal allowed the criminal responsible to make several fraudulent transactions totalling {$1600.00} on my account. I reported this to Paypal on the XXXX XXXX when I discovered the fraud, as well as to my bank ( who were able to prevent the fraudulent ). 

Since then I have repeatedly told Paypal that I am not responsible for this fraud ( and sent them the associated police reports, attached ), but they continue to attempt to collect the fraudulent amount.
Consumer complaint received 2024-01-30
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. (AL)

There are several accounts that need to be deleted off my account that are reported incorrectly and have the wrong information. 

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Consumer complaint received 2021-01-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Recovery Group (NY)

The company below is trying to recharge me for a debt paid in 2016. 
XXXX XXXX XXXX The company that was paid in 2016 is listed as XXXX, XXXX This account was settled on XX/XX/2016 for {$350.00}
Consumer complaint received 2021-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TX)

XX/XX/2013 I received an unwarranted loan from Cashnet USA into my XXXX XXXX XXXX Acct in the amount of {$850.00}. Upon discovery 5 days later I called and informed them I didn't initiate the load process nor did i want the funds. They advised me they would charge me a fee to return money i didn't request. I was just graduating from XXXX XXXX XXXX and just started my XXXX school at XXXX XXXX XXXX XXXX. After going back and forward with them, I threaten to go to my commander and they quickly removed the funds. But still remains on my credit report. The only reason I decided to file a complaint and file so late, was the recent readings of fraud committed by these companies. I am currently reviewing other old bank statements to see if I missed any in the past as well. 

During this time I was constantly called and harassed as well from unwarranted loans deposited into my acct from Cashnet USA and XXXX
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Someone has filed a false unemployment claim using my Name and Social Securtiy number. I received a card and PIN number but I do not need it as I am the owner of the business and it was filed falsely.
Consumer complaint received 2022-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

This company is reporting false inaccurate information to XXXX. I also found that my interest is not allowed to be no more than 24 % by Florida law. They have it listed as 178.47 % on this document! Which exceeds Floridas rate caps. They are using usury which is illegal. They have not followed Florida law requirements to process such a loan and their website is very misleading. This is a direct violation of the Florida law and my consumer rights. I ask that this account be removed from my credit file.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

on XX/XX/2020 I sent letters to Equifax and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MN)

AES XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. AES XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by AES because my federal student loans were in in-school deferment. I consolidated all of my student loans. The AES account has been closed for several years. My complaint is that ( 1 ) AES is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how AES came to service them. Reporting 36 late payments on my account that I challenge requires AES to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check AES ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.
Consumer complaint received 2021-09-19
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. (GA)

XXXX XXXX  XXXX This company is reporting DIFFERENT DATES OF LAST ACTIVITY. 

XXXX XXXX XXXX This company is also reporting DIFFERENT DATES OF LAST ACTIVITY.
Consumer complaint received 2023-01-21
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. (PA)

I suspect fraudulent inquiries on my credit report that I didn't authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hello My name is XXXX XXXX. I paid XXXX XXXX my XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX. The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.