davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
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. (ID)

XXXX XXXX - XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$3700.00} XXXX XXXX XX/XX/18 {$10000.00} XXXX XXXX-XX/XX/18 {$350.00} XXXX-XX/XX/18  {$850.00} XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX-XX/XX/18  {$1200.00} XXXX XXXX XXXX-XX/XX/XXXX {$1800.00} I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2024-03-07
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. (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.

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 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (GA)

In response to complaint XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for committing identity theft. I have never given WORLD FINANCE CORPORATION any permission to use any of my identifying information to commit mail and tax fraud by contacting me about an alleged debt they claim I owe. 
The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 
In reference to IRS publication 4681 Cat. No. XXXX, a canceled debt must be reported as gross income on your tax return. It is unlawful to report income to my consumer report. 
I am aware that if the canceled debt was not more than {$600.00}, World Finance was still required to report the debt as income to the IRS. 
Also note that if World Finance Corporation has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I never received a 1099c from this company and it is my belief that they are attempting unlawful extortionate means. 

I am legally refusing to pay this debt pursuant to 15 usc 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WORLD FINANCE CORPORATION can provide me with sufficient documentary evidence, that I have any legal obligation to pay them. If this documentary evidence can not be produced and WORLD FINANCE CORPORATION continues its collection efforts, I will file for litigation for actual damages caused and WORLD FINANCE CORPORATION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2019-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (GA)

On XX/XX/19 I spoke with XXXX. I requested an amortization schedule because I was unable to verify the principal balance. In addition, I wanted to know how they were applying the payments towards the principal balance. I was informed the information could not be given because they receive my payments on different dates but if the payments were received around the same time every month I could get the schedule. 

On XX/XX/19 I sent an email informing them payments will be made on the XXXX of each month online and I was requesting an amortization schedule so I will be able to see how my six-year payments will be applied. I received a call from XXXX who informed me they did not provide amortization schedules. I was told my loan is a compound loan and they could not provide the information I was requesting because they were not a bank. I asked her to verify the number of payments. She stated they received twenty-five payments totaling {$9700.00}. She stated {$2900.00} was applied towards the principal balance and {$6300.00} applied towards the interest. I asked her to verify the orignial amount and the interest and the length of the loan. The amount I financed was {$16000.00} at 18.74 % for 72 months. I stated I did not understand why my balance wasn't decreasing because it was showing {$14000.00}. Also, I was upset because the previous representative provided false information about the amortization schedule. 

Please verify the business practices are legit. I believe they are doing illegal practices on their loans that is why they can not provide the amortization schedule.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-23
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)

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *, *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2019-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (ID)

I took out this loan on the internet as a short term loan to get my business going for my busy season. I thought I understood the terms interest rate and the due date. After paying direct debits through my bank account for six months I was surprised to see the loan balance was the same amount. When I called them I asked why the payment came out on different dates. They explained something I still do not understand. My understanding was that the payment was due on the XXXX of each month but that is not the case. 

I told them that was not the way it was presented to me and that they should back date all my payments to the XXXX of the month. I have never missed a payment over 1 year and have only paid {$100.00} off the Principal. 


I feel like this loan was misrepresented to me and I now see there is no way I am able to pay it off in a timely manner.
Consumer complaint received 2022-07-15
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. (MI)

On XX/XX/2022, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XXXX. That information is incorrect. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. 

The law clearly states a consumer reporting agency can not furnish an account without my written instructions.m I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2019-09-10
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. (OH)

This is the second time I have sent a complaint to XXXX over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. I WILL BE FILING A REPORT WITH FTC AS WELL
Consumer complaint received 2019-01-17
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: Early Warning Services, LLC (TX)

Early Warning Systems has allowed XXXX to not only add inquiries to my Early Warning Report but also has allowed them to open accounts. I did not authorize XXXX to open neither a checking nor savings account in my name. This only occurred after my wallet was stolen and my identity was contained inside my wallet. I am not a member of the military and you have to either be a part of the military or a part of the military family to obtain membership. My Family is not part of the military either. Therefore the membership is fraudulent. I have notified Early Warning Systems and haven't received any documentation back from this I have not even received a copy of my report they promised to send to me. My Address needs to be updated in their system. These accounts are fraudulent and as a result of Identity Theft. I am attaching my Identity Theft Affidavit. Please block all XXXX  inquiries and Accounts. In Addition to the XXXX  Accounts I see XXXX XXXX accounts on there as well now. These again are Fraudulent. I did not authorize XXXX XXXX to Allow Checking Nor Savings accounts to be opened in my name. Please follow proper procedures in blocking the inquiries and the fraudulent accounts in which i did not authorize. Once completed please send me a new copy of the early warning systems report by email.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (GA)

I submitted a claim with CFPB on XX/XX/2022, and the Complaint ID is XXXX. The JPMorgan Chase Bank had responded to my complaint on XX/XX/2022 with its official letter. However, the result did not fix the issue, and the bank itself had also violated the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The JPMorgan Chase Bank accused that the Digital Service Agreement explains if I permit any other person access to the Digital Platform and my personal information, I am responsible for any transactions or activities performed. I am absolutely sure that I did not allow that person to initiate the transfer. I was tricked by a group of criminal because after he returned my phone, he suddenly got in the XXXX car that was waiting outside. The transaction was not authorised since my phone was obtained through fraud, but the bank still insisted not to reimburse the transaction even though I am under protection of the law. Private network rules and other commercial agreements may provide for interbank finality and irrevocability, they do not reduce consumer protections against liability for unauthorized EFTs afforded by the EFT Act. See 15 USC 1693g ( e ). This is the point that the JPMorgan Chase Bank should consider about.
Consumer complaint received 2019-01-17
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. (AL)

I HAVE BEEN GOING BACK AND FORTH WITH EQUIFAX SINCE LAST YEAR ABOUT THIS XXXX XXXX ACCOUNT. I HAVE SUBMITTED PROOF TO THEM SEVERAL TIMES THAT THIS ACCOUNT IS NOT MINE. I HAVE CONTACTED XXXX XXXX GLOBAL FRAUD TEAM WHO HAS TOLD ME ORE THAN ONCE THAT THE PHONE WAS BEING USED MOLES AWAY FROM MY ADDRESS. YET EQUIFAX CONTINUES TO ADD THIS ACCOUNT TO MY CREDIT REPORT. THIS IS THE SAME COMPANY THAT ALLOWED MY INFORMATION TO BE BREACHED AND KEPT IT AWAY FROM ME AND MILLIONS OF OTHERS CONSUMERS. THE CONTINUE TO ALLOW FALSE INFORMATION TO BE ADDED TO OUR CREDIT REPORTS. THIS BUREAU NEEDS TO BE MONITORED ON A DAILY BASIS BY HIGHER AUTHORTIES BECAUSE THEY ARE CONTINUING TO HURT CONSUMERS BY ALLOWING FALSE INFORMATION TO BE ADED.
Consumer complaint received 2019-09-13
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: Experian Information Solutions Inc. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MD)

I have opened my Wells Fargo Cash Wise VISA credit card approximately 2.5 years ago after receiving a promotional solicitation offer. As part of that offer, the foreign transaction fees would be waived. I haven't had a chance to use this particular credit card overseas until recently, during my trip abroad ( mid-XX/XX/2019 ). Upon my return and double checking my charges, I noticed that Wells Fargo applied 3 % foreign transaction fees to every purchase i made during my XX/XX/2019 trip abroad. Again, I am very adamant that the promotional offer materials under which i opened this credit card clearly specified no foreign transaction fees.
Consumer complaint received 2019-01-17
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: HYUNDAI CAPITAL AMERICA (NJ)

XXXX XXXX, is showing 30 days late when in fact I submitted proof I was never late. On XX/XX/2018, I want this removed.
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CO)

The balance on this loan doesn't seem to ever decrease as they continue to increase interest, fees, etc. I want this forgiven due to the debt already paid. I called and spoke to service provider AES who has nothing to do with making any arrangements and called national collegiate and was told they can't do anything. Please review, is there a promissory note, this is unfair that I can't get any answers or assistance. 
Originsl balance, {$29000.00} int 6.75 %
Consumer complaint received 2020-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (CT)

I had car loan with credit acceptance then I had car accident total the insurance pay the total vehicle and I didnt nothing to pay them after since I had full coverage for insurance plus gap but Im surprised they need me to pay them XXXX $ witch I wasnt late before the accident I only had car for few months I gave them XXXX $ down payment
Consumer complaint received 2019-09-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) Portfolio Recovery Associate XXXX / Formally known as XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (CO)

RevSolve Inc keeps calling me at work, after being repeatedly told not to call during those hours. They have been extremely aggressive and disruptive in their tactics, even suggesting that upcoming XXXX is a ploy to avoid paying. I REALLY need them to quit disrupting me at work. 

I can provide call recordings if needed.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (MS)

rcvd notice from a debt collection agency ( FBCS , Inc ) that I owed {$490.00} to XXXX XXXX XXXX. I have never rcvd anything from XXXX nor have I ever had service with XXXX. I called the collection agency and it seems that someone in another town has opened a XXXX account with my name and SSN.. Now i am having to prove to XXXX that this is not me!
Consumer complaint received 2022-08-17
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. (NC)

There is a collections on my report that I DO NOT OWE and have no knowledge of that I would like removed off my credit report. Both XXXX  and XXXX have removed for some reason experian has not. It says i have 1 collection owed XXXX XXXX XXXX XXXX}. Which i do not owe this.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX, I got a phone call from a Santander representative notifying me that my overdraft account ending in XXXX is 60 days overdue. I was in complete shock since I knew that I have never used my overdraft account. After further research, I found out that the balance from this overdraft was due to a check from the account ending in XXXX, of which I share with a co-applicant. It was the co-applicants check that was overdrawn. I have never given Santander the right to pull money for checking account XXXX, from my overdraft account which is only under my name ( the two accounts were not even opened at the same time ). I did not receive any statements in the mail notifying me that my overdraft account was used. 

On XX/XX/XXXX I reached to Santander and was in touch with a Business relationship manager with the name XXXX XXXX. She very clearly advised me of the following ( in an email - see attached ). 

" I was advised that the delinquencies will be removed if the customer brings the account current, and a new Service Request is submitted requesting to remove the negative reporting. '' I followed through and made the payments the next day as a courtesy even though I still felt that I don't owe Sandander anything. 

But when I followed up with the representative and gave her my payment confirmation, she backed tracked her words and told me she could not remove the delinquencies. 

Santander had no right to use my account for an overdraft from a different account that is not linked in any way. That check that was overdrawn was not mine ; it was from the joint holder from the account ending in XXXX. 

But now Santander leid to me ( very clearly in an email ) when they said that if I do go ahead and make a payment then they will remove the delinquencies, but they just fooled me because after I made the payment, they backtracked their words. 

It is not fair for a bank to promise something and then not do what promised.