davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I originally opened my personal loan with XXXX in XX/XX/XXXX and my payment scheduled followed my bi-weekly check with a payment amount of {$230.00}. In XXXX of XXXX I contacted XXXX and submitted documents to show my change of employment and the change in payment scheduled. My new payment scheduled went from bi-weekly to bi-monthly and my pay dates were the XXXX and XXXX of each month. XXXX  was submitted a copy of my new employer paystubs and approved my new payment scheduled which began on XX/XX/XXXX. Since the change in my payment schedules which by approved by XXXX  my account has been drafted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. On XX/XX/XXXX XXXX withdrew a payment in the amount of XXXX which is twice the amount of my normal scheduled payment. This payment is not in accordance with my payment schedule. I went online and reviewed my loan contract and my payment schedule which stated that the amount payment amount to be drafted from my account on XX/XX/XXXX was to be XXXX. XXXX has refused to refund the overpayment and has stated that once payment is made it can not be refunded. I was required to contact my bank and have all transaction from XXXX blocked because they are making unauthorized transactions from my account.
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

Originally XXXX in early XXXX. 2 debts owed, one satisfied and last balance of {$220.00} for XXXX XXXX, after Money Order of XX/XX/XXXX, replacement from XX/XX/XXXX letter for returned check and I defaulted after XXXX in XXXX. 
Pressler & Pressler aka XXXX XXXX after V/M threat filed Default in amount of {$320.00} without the XX/XX/XXXX payment deducted although I confirmed with Paralegal XXXX and was to be corrected. 
Presser then served 2 Bank Levies ON THE SAME DAY OF XX/XX/XXXX to XXXX and XXXX as a garnishment, for the same amount {$430.00} each, a violation of Law. XXXX charged a {$60.00} Levy fee.

I informed that XXXX was a church and I was Secretary but was told as long as it has my SS # it is valid to Levy against. 
Informed that XXXX was a retirement income use since XXXX, even though on XX/XX/XXXX Judge Orders at NO Garnishment for 1st {$210.00} I am formally retired and unemployed.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OK)

I received an email from XXXX XXXX notifying me of a credit change. An account was opened with Citicard on XX/XX/2022. It shows a balance of over 2,000 that I have no knowledge of it. I was giving birth to my daughter born XXXX XXXX. I did not apply for any credit card, I have not authorized a credit check to anyone.
Consumer complaint received 2022-07-25
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 (LA)

I did not give my express consent orally or written neither did I authorize these inquires to be furnished on my consumer reports pursuant to federal law from the following corporations : 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 FTC Report Number : XXXX for identity theft
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently opened up a Capital One secured credit card to start rebuilding my credit. Slowly, after a couple of months, my credit went up enough to get a second card, which was unsecured Capital One Quicksilver. I had payments automatically debited from my checking account each month. In XX/XX/XXXX if XX/XX/XXXX, I wondered why my payment hadnt went through and I called and they told me that my automatic withdrawal checking account had been closed and that terminated my card. Not only did they terminate that card, they also terminated my other Capital One card as well. It wasnt even associated with this issue. The main problem in all of this is that my checking account was not/ and still is not closed. It remains active and has up until now. My Bank told me that they will give me a letter stating that my account was active and no payment was ever initiated via Capital One but Capital one was uninterested in hearing this and they told me there was nothing they could do but they were cancelling my cards all together. That was what I had intended on using to pay for XXXX so it really messed me up. This is unfair as it also hurt my credit score when they closed these accounts. Please help.
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have many inquiries that were checked in XXXX and XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

account XXXX XXXX, account XXXX XXXX, account XXXX XXXX, account XXXX XXXX, account XXXX XXXX XXXX, account XXXX XXXX XXXX, account 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 2022-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

I expected a transfer to me from ZELLE. 
The person sending said I was not enrolled, and they couldn't send. 
I called the ZELLE number on the internet page. 
A man with a heavy XXXX accent told me to hold on while he called me from another line. 
He said my account was locked and he could unlock it if I gave him the bank account number. 
I DID NOT give Him anything, I hung up and went to my back and found there was NO issue. 
The BAD guys phone numbers are ; XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-10-29
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: SYNCHRONY FINANCIAL (CA)

Inquiry on XX/XX/2018. 

I received one hard inquiry when it was no where indicated I would receive one. 

It is from XXXX/walmart. 

National Credit cards/ Airlines .
Consumer complaint received 2024-02-07
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. (IL)

The following ( ACCOUNTS ) are being disputed for Id theft. 
XXXX XXXX closed XXXX XXXX XXXX XXXXXXXX XXXX  closed XXXX XXXX XXXX XXXX closed XXXX XXXX ( INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  on XXXX XXXX FTC report ( s ) attached
Consumer complaint received 2019-05-09
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Chase Card ( XX/XX/XXXX ) XXXX XXXX  ca ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (CA)

On XX/XX/19, I listed an XXXX XXXX gift card - worth {$100.00} - for resale on the site XXXX, for a price of {$82.00}. This gift card was sold on the XX/XX/XXXX, and I received an email from XXXX  on the XX/XX/XXXX with the information that my check for {$82.00} had been sent. I never received a check from XXXX, and multiple requests for information and assistance concerning my situation have been ignored up to and including the present date of XX/XX/19
Consumer complaint received 2023-03-21
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. (KY)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4000.00}
Consumer complaint received 2022-03-13
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. (PA)

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX VA XXXX has Been sending me collection notices in the amount XXXX .the collection has be reported as pasted due balance. I do not know this company .I have never done any business with this business with this company .this company does not have a contact with my signature.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Codilis & Stawarski, P.C. (AR)

I owned my condo for 14 years without ever a late payment. I became ill, lost my longtime job with XXXX, and had to stay with family out of state due to physical limitations. XXXX and their debt firm Codilis & Stawiarsky ( XXXX, TX ) foreclosed on me over {$1500.00} and I was n't aware until after the sale on XX/XX/XXXX. Codilis is very unethical and unprofessional, ignoring most of my communication and dodging payment of the excess proceeds from the sale. They also have not paid off the mortgage, running up the payoff to XXXX. XXXX states they have no control over what Codilis does or does n't do. <P/>I require medical care, my XXXX hearing has finally been set after 26 months of waiting, and I need this money for groceries and medication. The laws give these companies freedom to take advantage of taxpayers ( yes, being single, I have paid a lot of taxes over the years ) when they should be held to the same short timelines as the borrowers.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

Repeated transactions declined for suspected fraud activity but transactions are valid and authorized ( 4> in 24 hrs ). No history of claims for fraud on account. Verified transaction by phone but more transactions blocked in subsequent 24 hours. Received email saying to call XXXX but was advised that nobody could resolve the issue.
Consumer complaint received 2019-05-09
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. (TX)

CFPB case XXXX did not process for XXXX and Experian could you please forward the case to them it did not show a case number for these to on the dispute, page timed out over and over
Consumer complaint received 2019-05-09
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. (MN)

Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or Equifax or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Applied  XXXX .   Opened  XXXX .   Got all paperwork  XXXX .   {$500.00} ACH from  XXXX  posted to WF XXXX   XXXX / XXXX / 17  no bonus triggered.   {$1.00} x  XXXX   XXXX  reload  (   XXXX / XXXX / 17  and  XXXX / XXXX /   17 )  posted  XXXX / XXXX / 17  no bonus triggered.   No bonus as of writing (  XXXX / XXXX / 17  ).   {$500.00} ACH from  XXXX  posted to  XXXX   XXXX / XXXX  /17  no bonus triggered.   Secured Message from Wells Fargo  XXXX / XXXX / 17  :  WF  XXXX  told me The {$250.00} credit will post after  XXXX / XXXX / 2017 .   No bonus as of writing (  XXXX / XXXX /   17 ).
Consumer complaint received 2018-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I get phone calls every 30 minutes to an hour from the same company using different state numbers. For instance it will call from Virginia then Florida then XXXX then New York etc to my cell phone, my husbands phone and our home phone. I have previoudly asked them to stop calling as They call more then 10 times per day from XXXX XXXX up until XXXXXXXX XXXX  pacific time.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (NV)

I applied for a checking account online on XX/XX/XXXX and I received a email asking me to submit a copy of my ID and social security card I had to apply for my social security card so I submitted my ID and my social security card when it arrived I submitted it on XX/XX/XXXX. On XX/XX/XXXX I received a email saying it was approved to call a number or go to a branch to fund my account so I called the number and nobody answered so I left messages with no luck. I went to the nearest branch to me and the teller asked for address verification. I logged in to my XXXX bill account online and downloaded the most recent statement. She said she couldn't accept it because it had a past due balance even though I showed her if was paid off and XXXX balance. She showed to the branch manager she said she had to send it to her district manager and will get back to me that afternoon. I never heard back from them. On XX/XX/XXXX I called and spoke to the branch manager again. She said to take her my cell phone bill So I went back. On XX/XX/XXXX and emailed it to her she said she could not accept it because it was month to month not contract. So i emailed her the new statement of my power bill again and she said she could not accept it because it had a previous balance on it. I explained to her that all the bills have a previous balance on them. She turned me away and she gave me her district managers number I called twice and left voice mails with no luck. I contacted the banker that assisted me with opening my account online and he called the branch manager who told him that I presented different documents with different addresses and could not verify my permanent residence and they were thinking of closing my account and terminating relationships with me. I told him they were lying because I showed them the power bills with the same address and it was proper address verification
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I signed up for all three reports and only received XXXX Report. I did not receive Transunion nor XXXX Report. In addition, I have no lateness on any of my accounts but am being low balled with a credit score of XXXX from Transunion and XXXX. I can see the Transunion Score through XXXX XXXX XXXX Website only. XXXX shows a fair score when I requested the free credit report. I do not understand how these people can damage good people 's credit and then deny my free credit report. I need my credit score fixed.
Consumer complaint received 2018-10-29
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. (OH)

I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2023-03-21
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. (MN)

XXXX, XXXX, Transunion are reporting that I was late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which is incorrect. On XX/XX/XXXX, a payment was made in the amount of {$1600.00}, confirmation # XXXX, which satisfied XXXX and XXXX statements. The due date is the XXXX of every month, which the XXXX payment 6 days early and XXXX payment was only 25 days late, not 30 days as it is being reported. 

On XXXX, a {$870.00} payment was made and XX/XX/XXXX there was a {$880.00} payment posted. The due dates on both payments were on the XXXX of the month, which also confirms these payments were made on time. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, Transunion, and XXXX. The following documentation is provided from the original creditor of the payment and therefore XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX