davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Friendly Finance Corporation (MI)

I have told my loan company not to call me at work. It is against our company policy to get personal phone calls. I have been warned by my employer once already. I informed the finance company on XXXX occasions not to call me at work but they continue and say they do n't have a note of it. They do not try contacting me on my personal cell phone, they only call me at my work number.
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-24
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (AZ)

The company has wasted all of our times disclosing nothing of value. Therefore a new complaint is opened. A complaint will continue to be filed until the company discloses WHEN they will be returning my funds. They have been holding my funds past the minimum of 90 days, and there are no circumstances that require them to hold it any longer.
Consumer complaint received 2022-02-24
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State 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: EQUIFAX, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (CA)

On XX/XX/2022, I called XXXX ( Netspend ) to close my checking because I can not transfer my money out of my account ( XXXX  ). They are only allowed to withdraw money from ATM machines. After I request to close my checking account, I have been told by CSR there is a direct deposit of {$1000.00} in XXXX that was not under my name. I told them {$1000.00} direct deposit was under my mother 's name. It was accidentally deposited to the wrong account. I asked them if they can issue a check of {$1000.00} to my mother 's name. They told me it must be ACH back to its original from. The {$1000.00} comes from my mother 's XXXX  payroll. On XX/XX/2022, they told me the money would return to XXXX. It takes up to six days to receive it. As of today, we still do not receive the amount {$1000.00}. The bank asks us to contact XXXX  with a trace number, but XXXX  can not find it. The {$1000.00} was lost, and XXXX  can not find it. The bank can not do anything for that.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XX/XX/2023 a hard inquiry was placed on my credit report. I have a feeling the individual that I have a protective order order against, was trying to get credit in my name to be able to get the inheritance money I had coming.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Fraud and identity theft have been committed by XXXX/Transunion/XXXX . 
I ask for a validation and verification of all items on my credit report. XXXX failed to provide forensic auditing of all inquiries and accounts being reported on my consumer report. This is causing immense hardship. I need to speak with XXXX and his/her registered agent. Several laws are being violated that I am aware of and I want to know who is going to take accountability of the fraud that's being committed.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted TRANSUNION on numerous occassions about these fraudulent accounts on my credit report. I have attached a dispute letter with the accounts and inquiries I want removed, an FTC Report, and an affidavit of truth. This is aggravated identity theft and defamation of character. I would also like to know what method of verification and validation is used. Can you show any consumer contracts bearing my signature witnessed by my hand?
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I want Trans Union, XXXX and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : Chief Executive Officer ( CEO ) Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Ive been trying to pay my mortgage payment of {$1900.00} for the last week but was unable to due to the portal not functioning properly. My due date is XX/XX/23 and today I was finally able to get in but keeps getting an error that says internal server not found. Then was able to finally login but every time I would go to pay it wouldnt allow to submit. I even re-added my bank info in case there was an error. Still couldnt process payment. Called and tried to speak to a representative phone number XXXX couldnt get through to anyone! Tried paying through automated system I am unclear if my bank payment of XXXX went through. I was given confirmation # XXXX but my bank hasnt withdrawn the amount, my portal doesnt have record of it and I did not receive an email confirmation like I normally do. I tried contacting them through the online form but same thing would not allow me to press submit. I do not want this to affect my credit or be charged over in error. 



My XXXX a Lakeview Mortgage Company
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

A payment of XXXX was posted on XX/XX/2022 into my Wells Fargo credit card account ending in XXXX. This payment did not reflect on the statement. The last day of the statement period was XX/XX/2022. Another payment for XXXX posted normally on my account on XX/XX/2022. These payments totaled XXXX. This was more than the total amount due, per the statement. Despite this, Wells Fargo 's software did not recognize that I had fulfilled my minimum amount due. As a result the Wells Fargo system debited my checking account ending in XXXX automatically for another XXXX on XX/XX/2022. This software error resulted in an overdraft and XXXX charge to my bank account. Wells Fargo 's policy on automatic account payment ( clearly ) states that an auto debit will only occur if the total of the payments in the account are less than the minimum amount due. In my case, I had fulfilled more than the minimum amount due. Regardless of this, the Wells Fargo system software auto debited my account anyway on XX/XX/2022 without my knowledge or consent. The next day on XX/XX/2022 I talked to at least 4 representatives who were helpful and polite but were not able to offer an understandable explanation as to what happened. Finally I talked to a credit card account escalation representative named XXXX. She was great, as were all the reps I talked to. She agreed the above occurred. On XX/XX/2022 I also talked to XXXX at the Wells Fargo customer advocate department regarding this. Both individuals ( XXXX and XXXX  ) understood what happened and assured me the issue would be addressed and corrected. However I actually needed to make another call to get the XXXX charge reversed. Sorting this out took 8 calls over two days totaling 135 minutes ( 2 hours 15 minutes ) on the phone in order to have the XXXX charge reversed. I was told the Wells Fargo system would still have a record of a bank overdraft against my account that could not be reversed, at least by the reps that I talked to.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (AL)

These fraudulent inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXETER FINANCE LLCXXXX XXXXXX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX  account # 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 an account without my written instructions.
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (CA)

I was applying for a home and when they pulled my credit Ascendium ED Solutions-XXXX is showing my account as being a paid collection. THIS IS ABSOLUTELY WRONG. I have always paid my loan on time. They servicing had changed hands several times and I made sure I kept track of the loan and payments. I was never late.
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Insight capital went into my account without my authorization and withdrew all of the money out of my account. They never once notified me or asked me anything. I never authorized theffm to do this
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX : 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/XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX On TransUnion : XXXX Opened XX/XX/XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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: 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. (FL)

On XX/XX/2022, I sent XXXX, XXXX XXXX and Experian certified letters regarding two inaccurate and unknown things on my credit report. I looked at my credit report today and I have not received no response. Yet my credit score continues to plummet. I feel I am being taking advantage of and my dispute letter is being ignored. According to Fair Credit Reporting Act Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am just obeying the law. Since 30 days have passed and I have not gotten any response from them and my credit score has gone down, I demand those phony accounts be deleted or I will file for litigation due to stress on my life. Trying to call them is a waste of my time because the answering service tells me they can't take my phone calls today and to call back later and hangs up. Because of their negative reporting, I can't rent an apartment, forget buying a house and can barely get a credit card. I am tired of getting rejected every time I apply for credit card. My information was also impacted by XXXX, XXXX XXXX and Experian data breach and have gotten into the wrong hands of the wrong person. How do you think I feel?
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX and XXXX XXXX XXXX reference # 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 an account without my written instructions.
Consumer complaint received 2022-02-24
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. (WI)

I have unauthorized inquiries on my report that Equifax has blatantly refused to remove and/or investigate. Furthermore, they have ignored all of my letters and/or requests for inaccurate information to be deleted or corrected. This is a blatant violation of the FCRA. I have sent letters, I have sent letters and I have emailed. Each time I've attached copies of an FTC report and copy of FCRA 605 b. And yet, the unauthorized inquiries remain with zero response from Equifax. 
Furthermore, they continue to report a legally unverifiable bankruptcy in which I've sent letters from Courthouse and XXXX  that state they neither report nor do they verify bankruptcies. Per the FCRA, if an item can not be verified by the original creditor it is to be deleted. 
These are at least two violations of the FCRA in which I'm allowed to demand {$1000.00} for each violation. 
I've been trying to resolve these issues with Equifax since XX/XX/2021. That is more than enough time and still Equifax had not done anything.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MA)

EdFinancial Loan provider needs to be more transparent. Many people including myself requested refunds for payments made during the covid lockdown. These refunds are taking up to XXXX days with no given emails, confirmation number and/or anything to show proof of the requested refund. There are many people who are getting their refunds much faster, with other loan providers and even given proof of the confirmation of the refunds. EdFinancial has the slowest process of them all which is very frustrating. We need to get these refunds processed before the end of the year and our money back into our accounts. Please help me and the people obtain our refunds back like other service loan providers.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

I do not recall having a " XXXX XXXX XXXX XXXX  XXXX XXXX '' credit card at any time. I'm guessing someone else took out an offer in my name or activated one of those promotional cards that came in the mail. I have already disputed this with the credit bureaus and got nowhere. I asked them to prove that I opened/used the card... nothing. All of my cards are XXXX 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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX reference # 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 an account without my written instructions.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX  XXXX Date opened XX/XX/2021 Balance $ XXXXLate/Closed Late Dates XXXX
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

Ended service with cable company XXXX. Returned equipment and have receipt confirming return, received bill claiming equipment not returned. Attempted to resolve with XXXX  multiple times and then discovered debt collection services had been initiated via an alert on my credit report. Contacted debt collection company advising no written notification ever provided nor any actual notice of the alleged debt, when contacted collector refused to provide any avenue for resolution and instead demanded payment. Now my credit report has been impacted significantly all over a debt that is not owed with proof of return of equipment which is the sole basis of the alleged debt. When advised collection company of failure to provide notice or make any attempt to confirm ( let alone resolve ) debt claiming the only avenue for resolution is payment.