davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (MO)

Speedy Cash took money from my XXXX XXXX debit card without my authorization. I receive my social security SSI payments in the amount of {$730.00} on this card on the XXXX of each month. On XXXX XXXX my card was debited by Speedy Cash for the amount of {$520.00}. When I called them they stated that my account was past due ( beginning XXXX XXXX ) and that it had gone into collections. I informed them that I had not been contacted by them or the third party debt collector. I also informed them that when I had a payday loan with Speedy Cash in the past that I was told the only way to make payment was to come into their office because they were not authorized to charge my debit card without me being present. I was told that they had the right to take money from my account. They also said that there was nothing they could do because the third party collector was involved. They gave me the phone number for that company. When I called, the representative told me that they were not involved in collecting on this account any longer because Speedy Cash had taken the loan back. I am confused by the back and forth. Now, I am in a horrible position. My account was basically drained which leaves me with no money for the entire month. No money for rent, utilities, doctor visit, or prescriptions. I am XXXX and have no idea what I am going to do.
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (SC)

This one in particular loan world finance incorporation went from my home state which is XXXX South Carolina to XXXX South Carolina XXXX South Carolina and XXXX South Carolina and my thing is if someone was using my information because I'm filing it as a theft accept unauthorized charge the amount that they apply for was XXXX I think it was an unsecured loan and the charge off was XXXX but my thing is if someone stole my identity how can they go into a big loan office like this and apply for service and it's not me so yes I do have a complaint about this I've been trying to get this off of my credit because this is one of the main things that's on my credit that's holding me back from getting a lot and I did not do it I honestly did not do it so can you guys please help me thank you
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I have significant concerns about Best Buy offering what this consumer perceives is a way to make consumers accept an annual credit card for a fee, when in fact, the consumer is eligible for their platinum credit card at no fee.. An initial letter was written to Best Buy who forwarded the letter to Citi Bank who apparently is the credit card company providing services for Best Buy. Their letter did not answer my questions to my satisfaction and they claim that they do not have to disclose why I was denied because of their proprietary credit card scoring. I have subsequently written the CEO of Citi Bank inquiring why a consumer with a > XXXX score, > 19 years of XXXX XXXX XXXX, > XXXX annual salary and over 1.4 million in net assets does not qualify for a Platinum Best Buy card. I advised him that it was very suspect that they would offer me a different credit card at an annual fee and concerns that this is a system wide policy which would be quite beneficial to the corporation at {$50.00} per individual.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (PA)

In XXXX of XXXX, I noticed 3 fraudulent charges on my account : for merchant XXXX on XX/XX/XXXX, in the amounts of XXXX and XXXX, and for merchant XXXX XXXX, on XX/XX/XXXX, for XXXX. I called many times trying to flag these fraudulent charges. When I first started calling it was impossible to get through at all -- there was a message just saying something like, " we are very busy during this transition from XXXX to Barclay 's, and just can't talk to you right now. '' Then I made many more calls. After getting disconnected many times, and getting transferred all over the world, I got charge from XXXX XXXX taken off, but not the others. But please note that they never gave me any provisional credit while there investigations were underway. Over the rest of the summer I made numerous calls, got disconnected and transferred countless times, was told the complaint had been investigated numerous times, and was never issued a provisional credit. At no time did they ever send me an email acknowledging any of this, not even when I filled out the fraud form on their websited ( screencap attached ). Finally, around XX/XX/XXXX, they removed the remaining fraudulent charges. Then, after I called again, got disconnected, transferred, etc., they removed the late charges they had spuriously charged to my account. But AT THE SAME TIME, they reported my account as delinquent to one or more credit bureaus. I just called and spent hours trying to get them to do something about this. The answer was, you guessed it, no dice, we are doing nothing. 

This is the worst credit card I have ever used, in 27 years of using credit cards. It's both XXXX and Barclay 's that are at fault, though Barclay 's had the temerity to tell me that it was all XXXX 's fault. The only other time I had similar trouble in getting fraud prosecuted was when I was living in XXXX XXXX around XXXX, using the debit card for a XXXX bank. So the fraud protection this card offers seems to be comparable to the standards of the developing world around the turn of the century.
Consumer complaint received 2022-08-31
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. (CA)

I have recently found out I have been a victim of identity theft, someone stole and fraudulently used my information to open accounts without my permission and knowledge. The following accounts are sed accounts opened under a fraudulent application. 
On Experian : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX US BANKRUPTCY COURT Opened XX/XX/XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX U.S. BANKRUPTCY COURT Opened XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2022-08-31
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX have 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.
Consumer complaint received 2022-08-31
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX of EdXXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX have 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.
Consumer complaint received 2022-08-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, WORLD FIN failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
WORLD FIN Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
WORLD FIN Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (MD)

I would like the old addresses for this navy federal accounts be removed and the accounts that are closed removed off my credit report. One navy federal account amount was XXXX and another account pertaining to navy federal was in the amount of XXXX dollars. These amounts were settled, closed and paid off.
Consumer complaint received 2022-04-14
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 have asked for validation of these inquiries and audit trail for them and they have failed to do so. 

please remove these errenous credit inquiries from my credit report immediately!
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NEW YORK COMMUNITY BANCORP INC (FL)

On XX/XX/XXXX I received a phone call from a woman with phone number XXXX, claiming to be a representative from my bank Amtrust ( New York Community Bank ). The woman wanted to know what " money line '' was and who was this I was sending my money to? When I XXXX the phone number, XXXX belonged to a private resident so I immediately hung up, thinking it was a scam. I went in person to a local branch closet to my house and the bank representative said there is no problem with my account and could not understand why the other branch was calling me, unless it was for a fraud check or to sell an extra account. 

On XX/XX/XXXX I received a phone call from the same number claiming to be my bank Amtrust ( New York Community Bank ) and she wanted to make sure I wasn't being scammed and who am I sending and receiving money from in my checking account? I told her the online transfers are legitimate. The female representative then asked would I be interested in an extra business checking account in addition to my personal checking account? I said no, because I do not have a business. She then said that you look like you are running a business and " My XXXX XXXX Checking '' is only for personal accounts. I then told her if she was in the banking business or XXXX  XXXX XXXX XXXX she would see that it is a banking/brokerage account. I do not need any unnecessary business checking account. Thank you. I then called the corporate office and the representative " XXXX '' checked my account and said he could not find any problems. 

On XX/XX/XXXX, I received a certified letter from Amtrust ( New York Community Bank ) that my account will be closed in one month for no specified reason.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (TN)

Approx. XX/XX/2022, {$400.00} from XXXX XXXX XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.
Consumer complaint received 2016-06-17
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Collections Inc (MS)

this is a followup to case # XXXX. When they found out I complained to you, they had a lawyer send me a letter about this complaint. Apparently I am being sued for filing a complaint with you. It didnt say in the letter any legal action was pending but why else would they hire a {$250.00} an hr lawyer to write me a refutation of my complaint.
Consumer complaint received 2022-08-31
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. (IL)

I have sent numerous complaints to Transunion regarding the validation of these accounts and received no reply. Transunion has responded to my CFPB complaint stating that they will investigate within 60 days. The FCRA requires that credit reporting agencies and furnishers, like creditors, investigate disputes within 30 days of receipt of the consumer 's dispute. Transunion has had over 60 days to investigate and is now in violation of the FCRA. The accounts are to be deleted immediately or litigation will be my next course of action.
Consumer complaint received 2019-08-07
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. (SC)

I've been communication with all 3 bureaus via USPS and occasionally over the phone when I could get ahold of a dept that wasn't outsourced in a foreign country. I was instructed by a helpful rep over the phone at XXXX, she informed the methods necessary to have fraudulent accounts properly disputed and removed. I send a series of letters to all three credit reporting agencies and only XXXX  has complied. I would like for a representative in the fraud department to take a look at my information and properly process my identity theft dispute.
Consumer complaint received 2017-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NY)

This provider rendered services while I was in XXXX XXXX Hospital. XXXX XXXX Hospital accepted the no fault assignment at the time of my treatment and has been paid in full to the present. I was receiving invoices for medical services provided that were a direct result of a motor vehicle accident. I told the billing department on several occasions that by accepting the no fault assignment neither I nor my personal insurance company can be held responsible for any bills as per regulation 83 of the NYS no fault law. ( LINK to Reg 83 : http : //www.dfs.ny.gov/consumer/faqs/faqs_reg83_nffeesch.htm ). I gave this link to the billing department and all of the information from the no fault insurance carrier to aid in their quest for payment. Still, unrelentingly, I was sent a statement every month asking for payment. I finally told the representative to stop calling and harassing me.
On a whim one day, I visited XXXX XXXX to find that the company had post 2 negative marks against my credit. That is not only wrong but ILLEGAL to seek compensation for medical bills that are no fault. I also believe the 2 negative marks were for one incident.
Consumer complaint received 2022-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

accordance with the fair credit reporting act XXXX XXXX capital bank  XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase Visa card with JPMorgan Chase Bank, N.A. I generally pay my card balance completely on the Statement Payment Due date on-line, using the Chase website. Relying on the Chase website, I clicked on " pay card in full '' option on XX/XX/XXXX ( my statement due date ). The website informed me that my statement balance was paid in full. 

On XX/XX/XXXX, I received my paper statement that showed {$120.00} in interest charge. I called Chase customer service and asked for an explanation. I was told that if there is a purchase pending, even if it DOES NOT SHOW UP ON THE CHASE WEBSITE, it attracts interest, and interest is charged for that purchase and any new purchases between XX/XX/XXXX ( my Payment Due date ) and XX/XX/XXXX ( my Statement Close Date ), as well as other purchases during the Statement period. 

The total amount of purchases on my card from XX/XX/XXXX to XX/XX/XXXX was {$410.00}, but interest was charged on {$11000.00}, amounting to {$120.00} When I asked Chase customer service how I could avoid this problem in the future, she told me I could select " automatic statement balance payment '' from my mobile device. I declined.

I asked why I could not rely on the Chase website to accurately show the amount to be paid on my Payment Due date to avoid such interest charges in the future, she had no answer. I suspect that other credit card companies do the same thing with with on-line payments. In the best light, the Chase website is misleading, in the worst light, it is fraud.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need santander deleted from my credit report Opened XX/XX/XXXX Balance {$12000.00}. XXXX has violated my rights by violating the consent order. Below is the aritcle I also have attached the case involving this Settlement the Bureua of Consumer Finacial Protection has won how can XXXX continue to ruin consumers credit reports Delete this account immediatley. Also According to XXXX XXXX Transunion XXXX Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. I also want all payment history to be updated to paid as agreed for XXXX  XXXX account Open XX/XX/XXXX I have no recollection of ever being late 150 days Deliquent XX/XX/XXXX or any other time also same for XXXX XXXX XXXX XXXX shows late 30 days but all with different dates Transunion and XXXX say XX/XX/XXXX XXXX says XX/XX/XXXX remove late and show account as paid as agreed immeditaley. 

Bureau of Consumer Financial Protection Settles with XXXX XXXX XXXX XXXX. 
Company Did Not Properly Disclose Terms and Conditions of Its Auto Loan Add-On Product and Auto Loan Extensions XX/XX/XXXX Washington, D.C. Today the Bureau of Consumer Financial Protection ( Bureau ) announced a settlement with XXXX XXXX XXXX XXXX XXXX a consumer financial services company based in XXXX, Texas. 

As described in the consent order, the Bureau found that XXXX violated the Consumer Financial Protection Act of 2010 by not properly describing the benefits and limitations of its S-GUARD GAP product, which it offered as an add-on to its auto loan products. XXXX also failed to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments. 

Under the terms of the consent order, XXXX must, among other provisions, provide approximately {$9.00} XXXX in restitution to certain consumers who purchased the add-on product, clearly and prominently disclose the terms of its loan extensions and the add-on product, and pay a {$2.00} XXXX civil money penalty. 
I have attached a copy of my Credit Report also to show Date of Last Activity for XXXX is even reporting inaccuratley on all 3 credit bureaus to further show that maxim verification has not been provided which is a FCRA Violation also the XXXX XXXX XXXX XXXX Shows 30 days deliquiency in separate months on all 3 credit bureaus XX/XX/XXXX Transunion XXXX and XX/XX/XXXX XXXX update immediatley and remove deliquency another Violation FCRA disputed before came back as verified how can that be with all these inaccuracies.